milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/26/2017 about Checking or savings account (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (IL).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: XX/XX/XXXX : Opened a BMO Harris checking account with the promo code " XXXX '' which included a {$200.00} opening bonus after completion of 2 direct depositions of {$300.00}. 

XX/XX/XXXX & XX/XX/XXXX : Direct deposit terms met. 

XX/XX/XXXX : Bonus was never received. Contacted BMO customer service via secure message to inquire.

XX/XX/XXXX : Final response from BMO stating they can not escalate the issue.

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 09-08-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (AZ).
Issue: Struggling to pay mortgage

Complaint: XXXX XXXX XXXX says they will not modify my mortgage because of my negative NPV. Their valuation of my house is too high and it is incorrect. My house is not worth the amount they claim its worth.They claim that I have a substantial equity in my house and that is not true.They refuse to modify my loan saying " IT IS NOT IN YOUR BEST INTEREST ''.
I want to stay in my house that I am raising my XXXX kids in. I have lived in this house for 12 years. I am a single mom constantly bettering our lives, constantly looking for a better paying job.
At my current job I got a raise and Wells Fargo is not willing to Re-Enter me into the modification process because they say that my Sale Date/Auction is within 38 days.
My sale date is XXXX XXXX, 2017.
I know for a fact that my new income will alter the negative NPV.
The new income and the house valuation error would definitely change the outcome of the NPV.
Wells Fargo is not willing to work with me quoting the ridiculous rule of being too close to the Sale Date.
I should be able to prove my case and save my house up to the very last day before the Sale Date. In my opinion Wells Fargo does not want to work with me because it is more beneficial for them to take my house away from me and sell it for profit than to work with me.

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 07/14/2016 about Debt collection (Credit card) with LPSG (HI).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Left messages on my phone and my dads stating that I had a complaint filed against me and that legal action would be taken against me. When I returned the call they would not send me proof of the debt said that I had to pay or further action would be taken. Wanted my current addresses and account information. Placed my on hold several times while they made " arrangements '' with the credit card company.. I do n't believe this company is a legimate debt collector and that they are a scam. They are where calling about a card that was closed out 10yrs ago.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My student loans are reporting as late but were never late due to a retro active forbearance.

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 02-09-2018 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (LA).
Issue: Trouble during payment process

Complaint: My Home Affordable Modification became effective XX/XX/XXXX with XXXX XXXX which gave me a new principle balance of {$210000.00}. According to the modification agreement, my new principle balance included all amounts and arrearages that will be past due as of the modification effective date ( including unpaid and deferred interest, fees, escrow advances and other costs, but excluding unpaid late charges, collectively, " unpaid amounts '' less any amounts paid to the Lender but not previously credited to my Balance ' ) It also states that all unpaid late charges that remain will be waived. In XX/XX/XXXX, my loan was transferred from XXXX to Ocwen Loan Servicing, LLC. On my XX/XX/XXXX  monthly statement I noticed a prev-prior servicer fee in the amount of {$4900.00}. Over the years I've called and written trying to dispute the charge but up until XX/XX/XXXX, Ocwen could give me an explanation for the charge. Ocwen would tell me to talk to XXXX XXXX and XXXX XXXX would tell me, I needed to contact my current servicer because XXXX no longer serviced my loan. Finally, someone at Ocwen gave me a contract number for XXXX XXXX were I was told to put my dispute in writing., which I did. However, XXXX XXXX response left me even more confused. I have a {$98000.00} balloon payment, if I stay in this current loan so I am trying to refinance my current mortgage but I refuse to pay this {$4900.00} fee after my loan was modified. Also per Ocwen Loan servicing, LLC that so called prev-prior servicer fee amount is different on several of their documents. On Ocwen loan ledge entry date XX/XX/XXXX the amount is {$550.00}, on Ocwen answer to my written dispute, it was {$5500.00} but supposedly the current amount is {$4900.00} and on my current pay off from Ocwen, it states the amount is {$4900.00}. for a Posting Sale Cost.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: Capital One is blocking me from enabling external applications. I am attempting to connect my bank account to XXXX in order to transfer funds for investment in currencies ; However, Capital One is blocking my access to do so. Consequently, I have just lost out on an investment that would have net me {$74000.00} - I am not very happy at the moment! 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Consumer Loan (Installment loan) with Avant Credit Corporation (IL).
Issue: Managing the loan or lease

Complaint: XXXX LOAN XXXX WAS AUTHORIZED TO PULL XXXX, XXXX AND XXXX ONLY! LIMITED TO REPORTING THOSE XXXX PER SIGNED APPLICATION. ( SEE ATTACHED ). BUT BROKE THE TILA. AND DODD-FRANK REGULATIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Credit reporting () with GENERAL MOTORS FINANCIAL COMPANY, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: GM Financial has been reporting a late payment 30-59 days past due XX/XX/2016 since that time. I have contacted them over 20 times regarding this false late payment reporting. They have stated numerous times they have updated the credit bureaus however, to this day it is currently being reported on my credit report. I am in the process of buying a home and have asked them for a letter stating that I was not late XX/XX/2016 and have been told they ca n't provide a letter without proper authorization from their legal department. I have waited patiently and explained the situation and need for it to be rectified immediately. I have contacted them numerous times over the past two weeks without without compliance. I again contacted GM Financial today and was told by the representative that there was no one I could speak to and again to call back in 3-5 business days. I offered to send them a copy of the credit report as they are stating they did not report a late in XX/XX/2016 and the representative refused to provide info on where I could send the credit report showing the late reporting to. I would like a letter from GM Financial stating that I specifically was not late XX/XX/2016. To wait for credit reporting to be updated would not be beneficial as this late is the one thing holding myself and husband up from closing on a home loan. GM Financial have also reported to me that they have done this in the past however, the late is currently being reported as such. Thank you for your attention in this matter. You may reach me via email at XXXX and also via phone at XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/25/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I contacted Equifax after receiving documentation from XXXX XXXX XXXX that they have removed their listing from my credit file after their investigation. The XXXX listing has been removed from XXXX and XXXX. Equifax is the only credit bureau reporting the old XXXX listing. XXXX XXXX XXXX is the owner of the XXXX Account. I contacted Equifax and advised them of this and provided documentation and requested that the XXXX account be removed from my credit file. When XXXX sold the account, they sold their rights to the account. Previously, they updated the date reported on the account after a previous dispute. The date reported is not what is disputed and when the company sold the account they sold their rights to update it. I then spoke with the Fraud department and spoke to supervisors who requested me to fax in the documentation and that they would remove the account upon receipt. They did remove XXXX XXXX but they have not removed XXXX. I was advised that I needed to get a letter from XXXX advising that they sold the account to XXXX and they sent me one via fax. I have also sent the affidavit that XXXX used to remove their listing. This account is too old.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: There is an unverified account reporting on my credit reports with XXXX, XXXX, and Experian. The Creditor is XXXX XXXX XXXX. I have been the victim of identity theft in the past and I reviewed a copy of my Credit Report and I noticed that this in accurate account is reporting on my Credit Reports. I have disputed the item with all 3 Credit Bureaus and I requested verification that this account belongs to me with my signature on any forms or documentation that this company may have but I received nothing. I have called the XXXX XXXX directly as well as XXXX, XXXX, and Experian to try to have this matter resolved. I have been trying to dispute this unverified account since XXXX 2017. They have failed to validate the debt. I would like for this unverified account from XXXX XXXX XXXX to be removed from my credit reports Immediately from all 3 Credit Bureaus.

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 04/21/2015 about Credit reporting () with CORELOGIC INC (DC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: An apartment complex that I was applying to uses CoreLogic to check the credit history of potential lessees. When I applied to the building, I was told that my application had been rejected due to an issue with my credit history. I immediately contacted CoreLogic to see what the exact issue was, and was told it had to do with a debt owed to a debt collector called XXXX XXXX. When I contacted XXXX XXXX myself, they told me that they had no record of such a debt, and that they had not provided information about a debt to any credit reporting agency. I obtained a letter from XXXX XXXX stating as such, and provided that letter to CoreLogic. CoreLogic has since deleted the false information from my record, however they will not tell me where they got the false information from in the first place, other than to tell me they got it from XXXX XXXX XXXX, a company whose " Contact Us '' page on its website links directly back to CoreLogic. I want to ensure that this false information does not exist in the records of any other company, however I can not do so if I do not know which other company to contact. I am also concerned with CoreLogic 's failure to reasonably ensure that the information it receives and disseminates is correct. While I understand that mistakes are made, it concerns me that CoreLogic had information supposedly from XXXX XXXX that XXXX XXXX knew absolutely nothing about. There should be some responsibility on CoreLogic to ensure that it is getting information from a reliable source before potentially damaging a consumer 's credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (CO).
Issue: Trouble during payment process

Complaint: I bought my home 11 years ago inXX/XX/XXXX. The loan I got was a terrible balloon/arm 30 year loan. The original loan servicer was XXXX XXXX XXXX. Then the loan was transferred to XXXX XXXX XXXX.  And then it was transferred to Ocwen Loan Servicing. Ocwen has been servicing my mortgage for about the past 6 or 7 years now. In XX/XX/XXXX I ran into financial problems and was n't able to afford my monthly mortgage payment. So I tried twice to get my mortgage modified through Ocwen. During the second try, someone from Ocwen actually told me over the phone that I was approved for the modification and that my monthly payment would be around {$580.00}. I was so relieved until Ocwen sent me a letter saying I had been denied a modification. When I called them to figure out why they told me I was approved before. They told me they would have never said anything like that over the phone. So in order to save my home, I filed for chapter XXXX bankruptcy. I have been in Chapter XXXX bankruptcy since XX/XX/XXXXand I have just a few more months left to pay. So on XX/XX/XXXX, I received a verification of mortgage account letter from Ocwen and they are claiming I have a 45 year mortgage when I should have a 30 year. So I call Ocwen and they tell me " Oh its just a typo ''. So I just go about my business thinking everything 's OK. Then on XX/XX/XXXX I receive a mortgage payment change letter from Ocwen . And on the second page under the " New Interest Rate and Monthly Payment '' section, Ocwen claims I have 408 months left on my mortgage. Which would mean I have a 45 year mortgage. How did my 30 year mortgage become a 45 year? This is n't right at all. Also another complaint is my mortgage payments have fluctuated alot over the past few years. You will find my original loan terms document and both Ocwen letters attached.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Bank account or service (Savings account) with Comerica (MD).
Issue: Deposits and withdrawals

Complaint: Hello! MNy name is XXXX XXXX XXXX, I wish to make a complaint against Direct/Express Financial Institution. I have been a customer of theirs for for about Two-and a-half years. They issue me my retirement Social Security which is {$980.00} per month. 
When I signed up I distinctly remember signing and checking the box in which they asked if I wanted Direct/Express to mail my statement to my mailing address. I said " yes ''. Nevertheless, they finally began mailing my statement around XXXX, XXXX. The clerk said I did not tell them to mail my statements. I, just about know I did. 
Also, Starting XX/XX/XXXX or XX/XX/XXXX, I 'd run out of cash during the middle of the month. This month I received my Cash on my card on Friday, XXXX XXXX, XXXX, and was out of money by XXXX XXXX, XXXX, which is very unusual for me. 
Also when my statement shows and error charge, The bank clerk transfers me to the " Disputes '' department. Which takes about 20 minutes to reach, and they ask what the problem is, and I tell them, and then they say they will mail me a questionnaire for more details. It takes approximately 3 months, or more before my account is credited. Most of the time it is not. Direct Express, I believe, keeps that money. Since have not received much of it. 
Last, but not least, their statements are not logical or reasonable ; the balances for each transaction is " {$0.00}. It 's hard to subtract the costs. etc. 
Sincerely, Card- Master Card, Card number, XXXX Debit Card Do n't know Account Number, It is a sav9ings account. 
XXXX XXXX XXXX Birth- XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX Restore the money that was not calculated correctly. please,

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I looked on my credit report and seen a credit inquiry on  XXXX   XXXX     2016  from  XXXX  that I did n't authorize

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Customer service / Customer relations

Complaint: WORST CUSTOMER EXPERIENCE. Citibank became to provider for my XXXX Credit Card. I have called their customer service 15 times today, XXXX/XXXX/16 and gone through an identification process only to have the call be disconnected and have the automated message say, " sorry, call again later. '' Citi is unable to provide the information I need regarding my credit card and personal finances -- I have billing and credit report questions.

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 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX   account is showing  XXXX  days past due as of   XXXX   XXXX   and every month before that. This account has been paid for since  XXXX . This is affecting my credit of it is showing current past due.

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 07-09-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (OR).
Issue: Loan servicing, payments, escrow account

Complaint: I mailed a written request to my mortgage company Nationstar requesting stopping my mortgage insurance payments. They acknowledged the receipt twice. It has been over six months and they have not made any further contact regarding my request.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Debt collection (Auto debt) with TRANSWORLD SYSTEMS INC (MO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I rented a car for a trip back in   XXXX   XXXX   XXXX     from   XXXX   XXXX   XXXX   XXXX  . I had the car for  two weeks. During the duration of having the rental there was a small hail storm. Upon turning in  the rental I was told that the car had hail damage. It did not hail anywhere near where I live which is where the car was located inside of my garage. When we arrived to get the rental what we reserved was n't ready. We waited 45 minutes before we even left in the rental and the car was n't gone over with us to access any damages that could have occurred while the previous renters had it. I have now received  XXXX  collections  XXXX  in the amount of {$1100.00} and  XXXX  in the amount of {$230.00} from  Trans-world Systems INC. Collection ag ency. This is n't accurate this is fraud. I am NOT responsible for the damages to the rental because it did n't happen while it was in my possession. If these collection accounts are n't resolved in a timely manner I am filing a class action law suit against the collection agency as well as   XXXX   XXXX   XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KS).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: In XX/XX/XXXX I was filling out applications for employment at XXXX XXXX when their databases were hacked. Those who used the XXXX XXXX site received notices to contact all ( 3 ) Credit Bureaus and request a long term freeze and fraud alert for their credit bureau files. I wrote letters to all ( 3 ) credit bureaus with the information the XXXX XXXX gave me and a request for a fraud alert, freeze, and removal of the fraudulent data. All three wrote me back and confirmed these requests, however, on XX/XX/XXXX, there was a fraudulent request for credit on my credit report and my updated address ( XXXX XXXX XXXX XXXX, XXXX, KS XXXX ) and the removal of my old phone # ( XXXX ) XXXX had been taken care of. But they did not put the freeze on and they allowed someone to put a hard hit on my credit report for XXXX XXXX in XXXX XXXX, Californiia. They allow people to pull without reason from citizens ' credit reports. Please help me!!!

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 07/29/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: On XXXX XXXX, 2017 my bank balance was {$1.00}. I then was charged XXXX for an over draft fee and the balance became - {$33.00}. There was nothing returned and no reason for the over draft because nothing went through that day other then a return fee of {$35.00}. I called and talked with a teller but they could not explain why. There was no reason for this charge.

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