milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-09-2017 about Debt collection (Medical debt) with Ray Klein, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Professional Credit account  XXXX  verified today on  XXXX  credit bureau a debt that was paid at time of service at  XXXX   XXXX   XXXX .   At the time of emergency medical service I informed the hospital and presented info. that I was covered by   XXXX   CALIFORNIA.This debt also shows on  XXXX  and   XXXX   as account  XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/24/2016 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan Servicing , LLC has requested a copy of my current full credit report. The credit report I 'm sending was pulled through the Federal Trade Commission which directed me to XXXX. I pulled the XXXX full report file # XXXX dated XX/XX/XXXX. You 'll see the last XXXX digit of my social security number, date of birth, address. Account information not pertaining to the Ocwen Loan Servicing , LLC was redacted. However I did reveal that ALL of my accounts are in good standing. 
From Page XXXX-XXXX You will see Ocwen Loan Servicing credit information which starts from XX/XX/XXXX thru the last reported date of XX/XX/XXXX. On page XXXX, the credit report shows the date the account was opened on XX/XX/XXXX as a joint account.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Debt collection (I do not know) with Direct Recovery Services, LLC (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received a call from ( XXXX ) XXXX, and the voicemail said to call before XXXX or else they will " escalate '' legal matter. It 's apparently a debt collection for my sister. I do n't know how they got my number.

Company response to consumer: Closed
Consumer complaint received 10-08-2015 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Navient ( formerly XXXX XXXX ) continually calls me throughout the day. I am well aware that I owe them money, I intend to make these payments as soon as I can, and am trying to work so that I can make the payments I owe, but can not do so when they call me hourly throughout the day, leaving pre-recorded voicemails, or nothing at all. Today, XXXX/XXXX/15, I have been contacted at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. Based on their track record yesterday, I expect at least 2-3 more calls before the day is finished. Yesterday they contacted me at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I previously submitted a complaint regarding a {$1200.00} payment on XXXX/XXXX/2015 being held in suspense and not being applied to my mortgage. Ocwen responded and indicated that it could not be applied as a regular payment since my account was already paid 3 months in advance ( payment due XXXX/XXXX/2015 ) but that it could be applied to principal. I requested that the payment be applied to principal, as suggested, effective XXXX/XXXX/2015 but that still has not been done.

Company response to consumer: Closed
Consumer complaint received 06-09-2017 about Debt collection (Other debt) with The CMI Group, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I pulled my credit reports on  XXXX   XXXX ,  2017  because I was trying to obtain a mortgage. Then I noticed it stated that I had a collection fro m Credit Management f or  XXXX . This was news to me. I disputed it with the credit bureau because I have filed complaints with  XXXX  before and provided documentation. Further, I contacted Credit Management and although they had a collection for a  XXXX   XXXX , they did not have  one  for a  XXXX   XXXX  with a matching social security number. Therefore, I 'm sure why it 's on my credit. The credit bureau conducted it supposed investigation and left it on my credit as verified. I 'm confused because they have no record for a matching social security number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-11-2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (KS).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was transferred to Ocwen from GMAC XX/XX/XXXX. Prior to the transfer, GMAC removed our MI monthly amount. Once the loan transferred, Ocwen began charging FHA MI monthly again. I sent a letter requesting the removal of the MI. I received a response from Ocwen stating that the loan was not at XXXX % LTV and that until it was at XXXX % LTV it would be on the loan. They also stated that the automatic removal of the MI was scheduled for XXXX XXXX. The letter we received from Ocwen, in XX/XX/XXXX explained that the LTV was calculated by the higher of the XXXX either the Sales Price or the Appraisal Price. My Sale Price and appraisal amount was the same at {$77000.00} so the XXXX % LTV is {$60000.00}, which our loan hit that amount prior to the transfer in XX/XX/XXXX. Since the transfer I have requested the MI be removed again without resolution. Ocwen changed the way they calculated the LTV and says that the Loan did n't qualify as of XX/XX/XXXX and then although I called and sent letters twice in XX/XX/XXXX, they say they did n't receive letters yet they admit to speaking with me. The removal of the MI did n't happen until XX/XX/XXXX, when once again another letter was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Credit card () with JPMORGAN CHASE & CO. (MI).
Issue: Other

Complaint: Today I received XXXX more phone calls from Chase Card Services. I submitted a complaint yesterday regarding the calls. Again today I had to explain when I was making the payment which should have already been in the notes. I am currently unemployed, when that happened I immediately notified them of my current change in employment status. Before my unemployment, I had a great payment history with them, as this is what I was told by the representative. I am currently enrolled in a training course that goes from XXXX to XXXX, Monday-Friday, and as a result, I can not answer my phone. But why should I if my status has not changed. They state that they will contact you every 5 to 7 days. I a representative today the exact same thing that I had told a previous representative at Chase Card Services. I am very frustrated and fill that this is harassment. When I mentioned this to the representative, she stated we have called you, but we did not speak with you XXXX times. It does n't matter. I have informed them of my efforts to make a payment, when I would make a payment and how much. I have just told another representative the same thing this evening. XXXX from XXXX, XXXX, XXXX, and the last time is was contacted was at XXXX all from XXXX, Chase Card Services .

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CO).
Issue: Account opening, closing, or management

Complaint: I signed up for a Citigold checking account with a promotion for XXXX XXXX miles XX/XX/2016. I completed the requirements for the promotion XX/XX/2016 and contacted Citi to verify. I received a message from Citi stating that I 've completed all requirements for the promotion and would receive my miles within 90 days. After those 90 days passed, I contacted Citi and they did an investigation and concluded that I would n't be getting these miles. I was told in a written letter that I would be getting these miles and now that it 's time to hold up their end of the deal, they are trying to back out. This is outrageous and unacceptable.

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 03/22/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Seterus, Inc. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I got an approval on my request for a Loan Modification submitted on XXXX to my mortgage company SETERUS, they set a Trail Mod Payments starting in XXXX/XXXX/XXXX on the amount of {$900.00} All notices in regards to this approval I received over the phone, I never received any documents by mail, email or fax, neither my housing counselor. 
On XXXX XXXX, XXXX I was requested by SETERUS to pay {$650.00}, until that moment no documents were received from SETERUS, not Trial Loan Mod approval, nor Permanent Loan Modification Agreement, as I expected after to fulfill my three trial payments on the full amount on time. 
There were so many phone calls to SETERUS requesting for documents above mentioned, but always servicer stated that they will send the right documents to my address ( Principal Residence ) and never accomplished. 
On XXXX/XXXX/XXXX SETERUS informed me that they will extend my trial loan mod for another three months, and they will continue debiting my checking account for {$900.00} In addition, servicer stated that day that I should submit Permanent Loan Modification Agreement not later than XXXX XXXX, otherwise they will reassume foreclosure procedures ; however, they still did not send any document to accept and sign!!!!! 
This is a XXXX Investor mortgage, the reason why we already contacted investor and let them know about this unfair and illegal procedure.

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 10/16/2016 about Consumer Loan (Vehicle loan) with TCF NATIONAL BANK (IA).
Issue: Managing the loan or lease

Complaint: I have a vehicle on my credit that i dont own and never purchased. Its in correctly on my credit report from gateway one.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Debt collection (Other debt) with CAINE & WEINER COMPANY, INC. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I am concerned because I have been paying a monthly payment to XXXX XXXX XXXX to pay off a debt and they still put on my credit report showing as a collection. I thought as long as they are receiving a payment they ca n't add to my credit report. I want deleted off my credit report since I pay them monthly. I am in the process of purchasing a house and this has dropped my credit score tremedolous.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (IL).
Issue: Deposits and withdrawals

Complaint: I mailed a check to my bank clearly marked " for deposit only '' with my signature and account # on the back of the check. It did n't show up on my bank statement. I called the bank and after several phone calls back and forth, the asst bank manager told me that the check had been cashed out. They surmised that it had been stolen and cashed with only initials under my name. But it was cashed at the bank I sent it to. They claim they never received it. And they have a policy of double endorsement -- that a second party could cash the check with proper ID. I asked for them to check and identify the teller. They said they could n't. More phone calls. I finally sent a letter to the bank 's District Manager asking him to verify their banking policy about " double endorsement. '' I did n't receive a response. He only referred the letter back to the original bank. I spoke to the bank 's manager and she said the check should have never been cashed, that I was a victim of band fraud. She came up with a plan to try to get my money back. After much legwork on my part, I got the bank where the check originated to file an " Endorsement Forged Affidavit and Agreement '' including a police report. This was sent to the bank 's security office. Months have gone by and I have not received any response. I have checked with other banks about their policies and I have been told that under no circumstance would they cash a check marked for deposit only to a second party, unless the first party was there in person to sign the check over to the second party! My feeling is that the bank who cashed the check made a mistake and they do n't want to deal with it and just want me to go away. I need help! I have copies of my correspondence with the bank, notes of phone calls, names of bank officials, etc. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2018 about Checking or savings account (Checking account) with BB&T CORPORATION (TX).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: I wish to bring to your attention about a letter I received from BB & T recently regarding amount owed. To give some background, I had previously filed a complaint with CFPB against BB & T and the account opening process with them ( Case # XXXX ). This case was resolved almost 2 years ago, with the bank ( BB & T ) offering to waive the charge off amount {$400.00} for the bank account. A copy of that letter from the bank ( BB & T ) is attached here. I have not had any banking relationship with BB & T after that. 

However, I received a letter recently in the mail claiming that I still owe {$400.00} and that they can settle for {$280.00}. The mail does not give any information to contact them and that I can mail the check or money order in the self addressed envelope. This came as a surprise to me as this case was resolved almost 2 years back and now I am being asked to settle this amount after their agreement to waive this amount. 

This practice of coming after the customer after agreeing to waive the amount is not professional. The letter sent in the mail also does not help in any way to contact them to speak about this. Hence, I am requesting CFPB to pursue this matter and assist me in dealing with them. This is causing me distress and time loss in looking into this issue and I feel I am also entitled to be compensated for this. 

Thank you, 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 04-02-2015 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: In late 2014 we listed our home for shot sale, for our medical and financial situation. Through our agent, we contacted Well Fargo HELOC and spoke with XXXX XXXX XXXX concerning the XXXX mortgage. First, for nearly XXXX months we provided XXXX XXXX with everything he asked for ; such as, XXXX, contract sale, and payoff amount from the XXXX mortgage, and he never gave us an answer until XXXX days before the house goes up for foreclosure. Second his lack of communication made the situation very stressful for us, and he became an iron steel gate that stop any progress from going forward. Third XXXX XXXX received copies of the foreclosure notice, and all the information that he requested from the buyer. Finally, his delayed causes major financial hardship, and XXXX for both us because one of us is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Checking or savings account (Checking account) with PNC Bank N.A. (NJ).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Hello, Im holding an account with PNC and Im very disappointed at the service through phone and at the bank in person. I needed to speak to someone about a fee charge and it took forever to get through the million questions a computerize person ask on the phone, it is really annoying and on the phone they could not resolve my issue cause the manager was not there, I did not know the PNC only have one manager for the amount of account holders they have, it is embarrassing and unethical. second I went to the bank at XXXX, New Jersey where the tellers were not help and the manger of the place saw me struggling to get someone on the phone and never took the time to actually talk to me and help me out. What are they there for then? then i walked to her to see if she could unlocked my online account and help me with the fee she had someone coming to her computer and do some work, I got extremely annoyed and left. I do not see the interest or effort from them to help anyone, or maybe a customer they do n't know or like. Im extremely disappointed at PNC and their service, I look forward to cancel all my accounts with them and let everyone know how they really are. not a good bank at all, they are slacking big time!! Now I 'm still here trying to unlock my account and resolve the fee issue. SMH!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX will not address the issue at hand in which is 2 documents that in which 1 is not my signature and the other is not legally binding by no notary signature nor which is binding contract nor the instrument is legally binding. XXXX XXXX XXXX XXXX has yet to prove my signature is mines in which any one can tell the document is in fact one person signature.

XXXX XXXX XXXX XXXX keeps sending documents not requested and a lot of documents not requested in chines writing.

XXXX XXXX XXXX XXXX does not Reply to the issues at hand. There is no legally binding contract or Instrument legally binding.

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 06-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: To Whom  it may Co ncern : I had a loan since  XXXX  it was in forbearance for ten years. I finally made arrangements to repay my loan. My loan repayment started in  XXXX   XXXX  and its now  XXXX   XXXX . I was told in  XXXX  if I made 120 payments I would be able to get a loan foregiveness in  XXXX   XXXX . I just got off the phone  with Navient and was told I had 57  more months of payments. I find this ridicilous I already paid  XXXX  for a  XXXX   XXXX  dollar loan.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Payday loan, title loan, or personal loan (Installment loan) with Avant Credit Corporation (TN).
Issue: Problem when making payments

Complaint: I called and spoke with an agent to revoke my ACH authorization and turn off the auto payment function of my account. I had submitted a power of attorney to Avant indicating that I would now be making payments through a debt management program supervised by XXXX XXXX XXXX XXXX ( XXXX ) This was on or around XX/XX/XXXX. On XX/XX/XXXX, Avant pulled XXXX dollars out of my bank account in the form of an electronic draft, despite the fact that I had specifically revoked all authorizations. They knew that would receive payment through the DMP, but they went ahead and double charged me!!! I called to get the payment reversed but the next agent said thet the previous agent should have transferred me to a different department to get the ACH revoked so despite the error on their part they refused to refund the XXXX and said I could file a complaint with my bank. <P/>Then, on XX/XX/XXXX, the payment through my Debt management plan was made and posted to my account, thus proving that they had accepted and agreed to the DMP and yet still chose to sneak in another charge that was clearly unauthorized. <P/>Avant 's actions have lead to my bank account suffering a XXXX overdraft fee and a XXXX extended over draft fee. My bank, XXXX, closed my fraud claim and said that since I had a previous relationship with Avant that the action of removing the XXXX, while acknowledged as unauthorized, was not the banks problem and that I would have to either take it to court or convince Avant to give me a refund. <P/>In essence, Avant took XXXX out of my bank account without my permission, despite having agreed to a Debt Managment Plan with XXXX and accepting payment through the third party. This caused me to suffer XXXX dollars in over draft fees from XXXX. And XXXX refused to deal with the matter. My account still has a negative balance because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NJ).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: After seeing a promotional flier for a Marriot Rewards credit card from Chase Bank, my wife and I opened an account when promised XXXX points and a free one night stay at Marriot if we  spent {$3000.00} within the first three months of the account. 

We spent over {$4000.00} and still have not received the XXXX points promised to us. Chase/Marriott have switched the offer to something that we did not agree to in the application process. 

I have called Marriott Rewards five times about this issue and I have called Chase two times on this issue and it still has n't been resolved. 

XXXX XXXX XXXX ( Chase card last four digits # XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana, XXXX Telephone : ( XXXX ) XXXX Date of Birth : XXXX/XXXX/XXXX SS # : XXXX received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error submitted dispute to Experian on XXXX/XXXX/XXXX and no answer : 1. The inquiry was not authorized XXXX XXXX Account Number : Please remove it from my credit report. 

2. The information is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. The information is incorrect for the following account XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
4.The information is incorrect for the following account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.

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