milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-02-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2015 I received an email from a XXXX XXXX regarding " renting '' my home that I am currently living in. She said she wanted to know if it was still available? Left her email and phone number for me to contact. Upon contacting her I advised her that my place is not for rent and demanded to know where and who she obtained my personal email, name and phone number from. She said she joined a website called date.capitol and that my property was listed by my mortgage company. My mortgage company is Ocwen and my mortgage is currently current. Two months prior I had been late with my payments, but since then I have brought the account current. I immeditaly contacted Ocwen to find out if they had my account in a foreclosure status because the date.capitol website indicated that they dealt with foreclosed properties?? Of course, they told me that my account was current and that they would never sell my personal information. This is NOT true, how else would this company receive my personal information, email and cell phone. Ocwen has that information is selling homeowner information to fraudulaent websites and companies. I am very concerned about dealing with Ocwen and this person contacting me to inquire on renting my house? Ocwen is giving my personal information as if I 'm getting ready to foreclose and selling my information to fraudulent companies. I need help in investigating this. Again, the lady I spoke with said she joined this website for {$120.00} and was told that the information is inside info coming directly from the lender! In this case OCWEN.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Central Portfolio Control Inc. (CA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Consumer portfolio control company, threatened wage garnishment, lawsuit and arrest if i do not pay them on an account no longer on the credit report. this company calls me everyday from XXXX this is a XXXX California number and said If I pay the debt they bought they would quit calling Stop these people dead in their tracks they use terrible tactics

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (MT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have not apply with this companies : 1. XXXX XXXX XXXX, PR XXXX ( XXXX ) XXXX Date : XX/XX/XXXX 2.XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX, FL XXXX ( XXXX ) XXXX 3. XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 4.XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 5.XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXXXXXX, FL XXXX ( XXXX ) XXXX 6. XXXX Inquiry from XX/XX/XXXX - Misc. 
This inquiry could stay on your report untilXX/XX/XXXX. 

Institution Information XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 7.XXXX Inquiry from XX/XX/XXXX - Bank This inquiry could stay on your report untilXX/XX/XXXX. 

Institution Information XXXX XXXX, OH 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 09/21/2017 about Debt collection (Other debt) with PAYPAL HOLDINGS INC. (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I have a personal debt with PayPal. A debt, I am not liable for. 

I opened a business account with paypal since XXXX of XXXX. The day my business made its first dollar paypal then flagged my account, put my money on hold due to this debt I am not responsible for. 

Your XXXX XXXX is an XXXX ( XXXX XXXX XXXX ) which in the court of law you can not hold a XXXX accountable for personal debt. You can not take my money and hold it XXXX for a personal debt. This is illegal and I want to pursue legal action against paypal for this matter. 

I want the limitations to be removed and my money to be released.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Credit reporting () with DISCOVER BANK (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Discover credit card never issued me a statement for the months of XXXX and XXXX, and I was not able to log in and see my statements online and they are reporting me as being over 30 days and over 60 days late. This is preventing me from purchasing my first home and needs to removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On XX/XX/XXXX we were notified by Bank of America ( BA ) that our XX/XX/XXXX payment of {$200.00} was past due. Surprised that this is a routine automatic transfer which has worked well up until this point, we called BA and were informed that our transfer information which is hardwired into our account was missing, thus XXXX XXXX had no place to send the money. We did not know this. We immediately paid them the past due amount by phone, were refunded the late charge, interest on the same and agreed to increase the payment to {$300.00} due on XX/XX/XXXX. Today I opened the XXXX XXXX banking account to note TWO payments of {$300.00} were transferred to BA and indeed, two {$300.00} payments were posted by BA. Now I am NOT pleased. So today, they agree to reverse the second payment of {$300.00}. Starting with their IT department, these people are business-inept. I am now an ANGRY CUSTOMER. I request official address of their incompetent business practices and an apology from their CEO in XXXX acknowledging their IT people are unethical and unprofessional, deserving of counseling and termination. This is absolutely unacceptable. There is a trend here. Thank you for your help.

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 11-10-2015 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (TX).
Issue: Settlement process and costs

Complaint: Our loan was scheduled to be closed on Friday, XX/XX/XXXX at XXXX. This has been the date for the entire loan application process. Today ( Tues XX/XX/XXXX ) our realtor received a call from our lender 's closing department informing her that the Settlement and closing documents are being sent out today to review online, and " due to new guidelines '' and citing a holiday tomorrow XX/XX/XXXX the closing now has to be postponed until Monday XX/XX/XXXX. This is not necessarily a complaint against my lender. This is a XXXX customer who now has to re-schedule moving company, allow the seller an extra 3 days of lease after the delayed closing date due to the fact that they have to close on this house prior to closing on their new house, all because of these " Know before you owe '' guidelines that " will not cause any delays ''. In the real world, they do cause very costly delays. There needs to be a way that mortgage applicants can choose to waive these new guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Debt which is paid in full has been bought by a zombie debt collector and needs to be removed immediately.

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 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
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: Trans union I have disputed an item 3 times and transunion always says it 's verified or updated I requested a method of verification and they refuse to send it and then sends out letters that I do n't quite understand their explanation but still send me their method of verification per fora 611

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 01-10-2017 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I pulled my Equifax credit report for my XXXX XXXX course at my college. Upon looking at the report, I noticed an inquiry that did not belong to me ( XXXX ). It stated this inquiry took place on XX/XX/2016. I have never had a business relationship with XXXX and have never contacted them. I contacted Equifax over online chat to attempt to dispute it after finding their online dispute form did not allow me to dispute this fraudulent entry. After speaking with an Equifax representative, she rudely informed me inquiries are " matter of fact '' and to contact XXXX. I contacted XXXX and after searching numerous ways, they found that they had never pulled a report on me and I was not even in their system. I contacted Equifax again and spoke with another representative who also told me he could not help me. I just want the fraudulent entry off my credit report and no one will even investigate, despite the fact they claim they will within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan modification,collection,foreclosure

Complaint: your company failed to provide the required notice of additional required documents w ithin five ( 5 ) b usiness days in violation of Regulatio n X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore , this client 's application is entitled to be treated as facially complete pursuant to Regulation  X, 12 C.F.R. 1024.41 ( c ) ( i v ).

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 08/24/2016 about Mortgage (VA mortgage) with ROYAL UNITED MORTGAGE LLC (IN).
Issue: Application, originator, mortgage broker

Complaint: I tried to get a refinance home loan from Royal United Mortgage XX/XX/XXXX. It was a VA refinance home loan. There was a problem with the VA that I did not know about. XXXX XXXX was the guy I was working with. He called me told me about the problem. I was scheduled for an appraisal that day. I asked him if he had cancelled the appraisal he said he did. They showed up at my house. I had them do the appraisal because XXXX XXXX told me he could get me another refinance loan. I called him after the appraisal was completed told him it had been done so we could go forward. He never returned my call or my text messages. When he first called me that day he talked nasty to me and told me that it was about time I finally remembered I should have told him earlier. I told him the only I remembered was the date he had given me I did not know about the problem with the VA. He has never returned my calls or text messages to help me get another refinance. I am out {$400.00} to these people. I got my home refinanced somewhere else I had to pay for another appraisal. These people will not return my calls or texts or emails. I also emailed the headquarters in XXXX. This guy is in Illinois. My credit score is XXXX. When XXXX emailed me the paperwork from the VA I called them was told I owed about {$23000.00}. But I could get a VA loan if I wanted more money. I do n't want to do that. Continued to try to contact XXXX XXXX and Royal United Mortgage headquarters. No answer. These people owe me {$400.00}. Was wondering if you could please help me XXXX XXXX XXXX XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/27/2017 about Debt collection (Other debt) with EQUIFAX, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX ( Opened : XX/XX/XXXX ) Original creditor Name : XXXX XXXX XXXX ( Amount : XXXX ) ( Equifax ) XXXX XXXX XXXX XXXX ( Opened : XX/XX/XXXX ) Original creditor Name : XXXX XXXX XXXX ( Amount : XXXX ) ( Equifax ) XXXX XXXX XXXX ( Opened : XX/XX/XXXX ) Original creditor Name : XXXX ( Amount : XXXX ) ( Equifax ) XXXX ( Opened : XX/XX/XXXX ) Original creditor Name : XXXX XXXX XXXX ( Amount : XXXX ) ( Equifax ) XXXX XXXX XXXX ( Opened : XX/XX/XXXX ) Original creditor Name : XXXX XXXX XXXX ( Amount : XXXX ) ( Equifax )

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (OR).
Issue: Settlement process and costs

Complaint: My sister XXXX XXXX is mentally ill and her home was wrongfully sold at auction. 
She became mentally ill over many years and has progressively become worse. 
XXXX signed a mortgage on XXXX XXXX XXXX in that mortgage included a note drawn on the same day by XXXX ( now Well Fargo ). The note clearly shows 120 payments ( 10 years ) to be completed on XXXX XXXX XXXX. The deed drawn on the same day mistakenly show a completion date of XXXX XXXX XXXX! XXXX XXXX foreclosed in XX/XX/XXXX and sold my XXXX sisters home for {$6500.00} on a debt that was owed. They did so 5 years past the statute of limitations to collect. The statute of limitations in Alaska gave them 6 years ending XX/XX/XXXX! The debt owed was {$1700.00} according to them but nothing was ever recorded or sent to my sister of this amount owed. 
To be clear no payments were received past XX/XX/XXXX and they XXXX XXXX foreclosed on the deed not the note Further the bank had already taken funds from my sisters account by mistake in XX/XX/XXXX and she had not been repaid this money so she stopped paying so they could clear up their mistake ... they never repaid her. 
To be clear : Wells Fargo sold a worthless note in XX/XX/XXXX to XXXX XXXX ... and these XXXX along with XXXX XXXX and XXXX XXXX sold the home at auction. Breaking federal credit laws collection and state statutes covering statute of limitation on collections. 
The bottom line is this : 1 ) My sister was found by a court to be incompetent 2 years prior to the sale. 
2 ) They were 5 years past the statute of limitations to collect! 
3 ) They sold the home for too little. 
4 ) They had no rights to collect. 
My XXXX sister is now living in the streets because of their errors and with the type of XXXX she has its difficult for family to help her. We have now had to go to court to get conservatorship of her so we can try and right the wrongs these idiots have done to her! 
a {$200000.00} house sold for {$6500.00} on a debt of {$1700.00} that they had no authority to sell ... 
is there a federal agency that can please help us in this matter?

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 12/19/2017 about Debt collection (Medical debt) with ASSET MANAGEMENT OUTSOURCING, INC. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I called the collection agency and advised I will make a payment on a successive months until the balance is zero. 
I spoke with the management for further assistance due to my financial hardship at the time. 
She advised my payment will be accepted but never advised from any of the collection agency representative that I will be reported for 3 credit bureau including the XXXX. 
I called back and reconfirm that there is no credit bureau reporting on me. 
I am totally disappointed by this company collection practice and communication. 
I have never received a bill for my total balance owed. 
The report in my 2 credit bureau shows a balance of XXXX dollars. 
However, My phone conversation with the representatives states a balance of XXXX dollars. 
The company has mislead me by not telling me that after certain date they will report me to credit bureau. 
The company mislead me for stating wrong amount of debt owed ( the credit bureau showed XXXX while representative told me XXXX ). 
I did contact collection agency and I expressed my benevolence to settle per my ability. 
And I made XXXX payment for consecutive months for a total of XXXX dollars. 
This is unfair and reputation damaging business practice for a committed citizen who wants resolve dispute for fair and square way. 
I do n't even know when if there is a rule that says you do n't have to let or communication with consumer about their account status. No XXXX, XXXX or XXXX notice given to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I Initiated a dispute via letter to all  XXXX  credit bureaus in which the account reflected. The account was not validated and was removed from my reports. The account is now re reporting on my credit file and its under a new name. So the account was sold to a new collections agency.

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 10/27/2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Advertising and marketing

Complaint: I can create e-mailable attachments for all I represent below : I received an offer from Citibank regarding a balance transfer offer. There are XXXX sheets, a promotional page designed to encourage me to take the offer and another page which are balance transfer checks with a bridging perforated piece of the sheet to tear them out from, and on that page there is a different fee than on the biggest print letters in the top portion of the first page. 

The particulars are this : A fixed date in XXXX 2017 the offer reverts [ thus, the longer I am made to wait for a response, the incrementally less the offer is worth pursuing ] for 0 % for the life of the transfer for an up-front fee. On the largest font print on the top of the form in a distinctive color it says the standard fee is 3 %. On the fine print part of the XXXX page the rate says that for this offer the rate is 4 %. 
I have received these offers for months with different particulars ; however the immediately previous offer in fact was for the standard 3 % rate and that part of each offer page is identical in all cases. [ I receive these roughly monthly and so does my wife ; I have to believe thousands of others do as well. ] I pointed the discrepancy out to a Citi customer service phone center supervisor, who agreed with me in principle that I deserved the 3 % rate, but I needed to FAX the forms in so they could review it ; I complied, and was told I would get a snail-mail response, which I did. It is merely a likely form letter that just states the offer is 3 % and really does n't address the issue of the unreconcilable statements on the XXXX pages in each mailing. 

Thus, I have physical documentation of their position, and my position is that this is false advertising. Thus, I am here writing to you for help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (KS).
Issue: Closing/Cancelling account

Complaint: I was able to completely pay off my credit card so I contacted the credit card company and requested the payoff amount and closure of the account. I clarified my request by stating that I wanted the exact payoff amount for that day and time and I paid the complete amount during that phone call. I also specifically requested that a letter be sent out showing the XXXX balance and closure of the account. Roughly a XXXX later I received a statement from my credit card company showing that I still had a balance on my account from interest that had ocurred before I had closed the account. This little game could continue on for infinity and I believe that the credit card company is purposly attempting to trick consumers into thinking that they have closed an account. Once the consumer has forgotten about the account and missed numerous payments because they thought the account was closed charging the exorbitant late fees and interest rates. This is an unbelievably deceptive business practice and it needs to stop.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/18/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (PA).
Issue: Account opening, closing, or management

Complaint: Hello, I recently opened a TD US account via phone. I was given an account number, routing number at the end of the phone call. I provided my address in the US and also my XXXX Address for them to send my " welcome '' packet. When I got home I transferred XXXX usd to that account via external transfers. This was XX/XX/XXXX. The money left my XXXX account and has been in limbo since. I also transferred another XXXX on the XXXX. Neither of these transfers ever hit the account, or were credited as the account was never " activated '' because I did not fill out the signature card as it was sent to my US address. 
I 've had numerous bank representatives call the TD us account, I 've called at least 4 times, we 've had TD north sent my signature card to them. I 've been told something different every time I 've called. I even had a bank manager call a supervisor and was assured that she could fax the signature card and the account would be activated and the XXXX would be credited. I placed another call today to TD and taked with a XXXX employee number XXXX in XXXX , Maine , and he now stated that TD US could not accept a Signature card from a XXXX TD b/c I was an American citizen. This is the first time I 've heard that after dealing with this for almost XXXX weeks. 

So basically I have XXXX dollars in no mans land, TD wo n't accept it, but wo n't send it back to my XXXX XXXX account. I called XXXX and they 're stating that it could be another 10 days until I receive my funds back. This is XXXX not acceptable. 

I need my USD back in my XXXX account ASAP/today. Simply put, not one bank rep knew what they were talking about, and I 'm the one that has to pay the price. 

PS this XXXX rep from TD was probably the worst customer service experience I have ever had in my life. I spoke to him at XXXX XXXX/XXXX/2016

Company response to consumer: Closed with non-monetary relief