milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-06-2017 about Credit card () with WELLS FARGO & COMPANY (NV).
Issue: Rewards

Complaint: XX/XX/2017 Called Wells Fargo credit card company spoke to XXXX, I asked about the interest I was being charged on my account he told me the % amount. I asked for the dollar amount, he did not answer. I told him I want to close my account, he stated well I guess you do not want your XXXX rewards points, I said yes I do, how can I apply that to my account pay off. He stated " to late I already closed your account ''. I asked to speak to supervisor, I started cursing and XXXX said your account is closed and hung up. I called back, I spoke to XXXX ; customer care services, I asked him about my rewards points being applied to my account. XXXX said it takes 2 to 3 days to process the last payment I made and close the account, he ask me why I was closing my account. I told him, the several times I called in XX/XX/XXXX, to ask the amount I need to pay to not pay interest, I was told a different amount each time, which I paid and not told what amount of interest I was being charged.Then he said that my account was already closed, 2 days ago and no way of knowing how many reward points I had. I told him XXXX rewards points, I told him I did not call their company 2 days ago,. XXXX stated that he did not know why the closing of my account was back dated to 2 days ago. I said a cuss word, XXXX said he would have to hang up if the obsinities continue, I told him I did not close my account 2 days ago. XXXX said he was not able to do anything, and hung up.

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 12/18/2015 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX, 2015 at approx. XXXX I got a robocall from an alleged debt collector from Dynamic Recovery Solutions. I 've never heard of this company nor do I have any debts. 

The robocall asked me to call XXXX. Suspecting a scam, I did not call back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I closed the XXXX XXXX XXXX account in XX/XX/XXXX and it is still reporting on my Trans Union and XXXX and XXXX credit reports.
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They said they closed these accounts but they are still reporting on my credit report as of XX/XX/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 08/25/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: this companyfiled a jugment against myself and tried to garnishee my wages.When I called them via phone to get more details about the account they told me " This is Regarding a XXXX XXXX XXXX Credit Card Account.no futher I called XXXX XXXX and, They told me " WE DO NOT SELL OUR ACCOUNT TO A THIRD PARTY '' THEY SEARCH MY NAME AND PERSONAL INFORMATION GIVEN BY ME. '' THEY TOLD ME YOU DO NOT OWE ANY MONEY TO US. 
Checked my credit report and Icould not find where this account was originated.At the mean time i have this jugment filed in court. 
PLEASE I need help with this particular account.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Deposits and withdrawals

Complaint: I was told a deposit I made would be available on XXXX XXXX, 2016 and as of XXXX XXXX, 2016 it has still not been released, despite me providing proof the check had cleared. I am being charged fees while items I 've try to pay against the deposit have been returned at great embarasement and expense to my family

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 07/17/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: OCWEN : Need I say more? 
They have ruined our lives, our sanity, any quality of life. Upon reading many of the horror stories online, I almost feel fortunate that ours is not worse. Nonetheless, it 's a true downer having them in charge of your life. My husband lives on SS and has a son who is a XXXX who lives in a home that he bought for him in 1990 and spent a ton of money equipping it for him. Now due to their ineptitude, inaccurate accounting, and just plain GREED, the kid may soon be in the street in his XXXX. I have filed several complaints here but I am not able to scan and attach documents. I 'm no computer whiz. Just spent an entire week delving through a foot high stack of inconsistent and fabricated documents from Ocwen, printing, highlighting, pulling my hair out to compile a package to the NY AG ; do n't think I can do it again. Just will keep trying to get the truth out there and ask WHY are these people allowed to remain in business?!? I 'm just so sure you do n't get any more complaints about them after the big settlement. XXXX. Corruption at it 's highest level

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Credit card () with U.S. BANCORP (FL).
Issue: Other

Complaint: A XXXX gift card purchased in XXXX XXXX which had never been unsealed until XXXX XXXX of XXXX was denied and we were told it had been removed from their records either because it had been used up by either purchases, fee or because it had expired ( none of which had occurred ) and that unless we could provide time and date of purchase of the card we were out of luck. The receipt is no longer available and was purchased with other items either at XXXX XXXX or XXXX. The card waS FOR {$200.00} so not something we can just say Oh well!

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 11/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: When I vacated apartment to purchase a home, XXXX XXXX ( complex ) charged me for costs associated with maintaining a pet in addition to retaining the {$300.00} deposit. During this time the complex was acquired by XXXX XXXX, a large firm with XXXX. I paid the charges in full during the transition from XXXX XXXX to the acquirer, XXXX XXXX but the accounting systems between the XXXX did not account for all the payments made. I contacted XXXX at XXXX XXXX and the matter was resolved after getting harrassing calls and letters from Hunter Warfield, another collection agency. Subsequently and for a long period of time, Hunter Warfield ceased collection efforts on this previously paid debt. Now, recently they have apparently shifted collection efforts to yet another COLLECTION agency XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO XXXX. ARC resumed collection activities on this paid obligation, calling my place of business and home and even my father 's home number in another state. I have written them and advised them to cease collection efforts, referring both to Hunter Warfield correspondence as well as that of XXXX XXXX the entity who has confirmed that the obligation is fully extinguished. Had XXXX XXXX proceeded with filing the claim on my renter 's insurance at the time, the charges would have been fully paid by the insurer. As a result, XXXX XXXX XXXX XXXX XXXX should in fact reimburse me {$720.00} in monies I paid as a result of them failing to proceed with filing a claim as requested.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2015 about Credit card () with CITIBANK, N.A. (NV).
Issue: Cash advance fee

Complaint: I purchased Action item/timeshare Specialist on XXXX for {$510.00} ( see link ) : XXXXAdd Payment Accepted : *Cashiers Check*Money order *Wire Transfer *Credit Card *XXXXWas unable to purchase directly through XXXX/Timeshare specialist invoiced me directly through XXXX. I paid for item through my XXXX Account ( XXXXXXXXXXXX ). 
My CITI Bank card ( ending XXXX ) tried to charge me a fee for a cash advance ( {$25.00} ). I phoned Citi Bank & was going to cancel me card/pay off the card since this charge was a normal credit card transaction ( not a cash advance ). Citi Bank willingly waived the charge. A month or so goes by & Citi Bank tried to charge {$3.00} interest where as my card is a 0 % APR for 18 months ( ends XXXX 2015 ). Once again, I phone them & they said they will waive the fee only this month ( said, the charge was a cash advance ). I paid off my card in full the next day. Previously, I phoned XXXX & they stated there is nothing on XXXX item number : XXXX which states XXXX/credit card payments must be a cash advance. Citi Bank supervisors just state XXXX requested this to be a cash advance ( they refuse to give it in writing to me ). Contacted XXXX a few times over this & they state seller paid all the credit card fees ( this transaction was not a cash advance ). XXXX fraud dept emailed me this ( note XXXX stated they never process credit card as a cash advance, although only XXXX time the represenative said she saw it only XXXX when account had no $ in it ) : Dear XXXX XXXX, Thank you for contacting XXXX Customer Support today. As requested, here are the details of the transaction, in question : Transaction ID:XXXXMerchant Name : XXXX XXXX, XXXX. 
Date : XX/XX/2015Amount : {$510.00} USDDescription : Credit Card Payment Sent ( Service ) To clarify, this was not a cash advance payment. 
Sincerely, XXXX XXXX XXXX XXXX XXXX. All rights reservedContacted Citi Bank about this fraud & that I was going to report it. The supervisor said go right ahead, it does n't matter if the charge through XXXX states anything about a cash advance, they will process it as a cash advance ( gave examples such as casinos, energy bills ... ) & that if I do the same charge again that it will be charged as a Cash Advance ... 
I paid off my card in full {$1300.00} where as the {$3.00} interest they will waive. I do not plan on using Citi Bank for any of my future banking needs ever. I found this incident should be reported to a government agency for especially the next person due to its nature of a very possibly fraud activity of Citi Bank credit card practices. Any questions or need further information please contact me ; thanks & take care. 
Yours truly, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, XXXX, NV XXXX XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Debt collection (Other debt) with Talbot, Adams, & Moore, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Mortgage (FHA mortgage) with LoanCare, LLC (FL).
Issue: Trouble during payment process

Complaint: My mortgage co is Loancare. An FHA lender. I bought a home that was taxed at a much higher rate then the home is now worth. I have not missed a mortgage payment. My escrow for XX/XX/XXXX taxes totaled {$3300.00}. My taxes were actually {$1200.00}. I paid my taxes on XX/XX/XXXX. The lender is withholding over 2 months of escrow payments. They currently are holding {$2400.00}. They refuse to return my over payment. They informed me that a new analysis for taxes would be do by XX/XX/XXXX but nothing has been done. They have not communicated to me in any way. I have had to call them over and over for my refund and I have been lied to 5 times regarding my refund.

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 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several inquiries that do not belong on my credit report such as fifth third bank, XXXX XXXX and several more.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Ability Recovery Services, LLC (AL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am filing a complaint against Ability Recovery Service ( ARS ). This collection agency started reporting an item from XXXX XXXX on my XXXX and XXXX credit reports some time in XX/XX/XXXX, as noted on XXXX credit report # 1, dated XX/XX/XXXX The date of first delinquency is reporting as XX/XX/XXXX. On XXXX credit report # 2, dated XX/XX/XXXX, you can see that the item is no longer reporting. But on XXXX credit report # 3, dated XX/XX/XXXX the item has re-appeared with a new account number and a new date of first delinquency. This is a serious violation of the Fair Credit Reporting Act pertaining to Section 623 ( 5 ) ( A ) and has caused me a hardship with obtaining a home loan due to the fact that the item is reporting as n new collection less than a year old.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (IA).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage was sold to Freedom Mortgage in late XXXX 2016. Our previous mortgage company sent a check to pay for the ( entire ) homewowers insurance ( {$1800.00} XXXX on XXXX XXXX. Then, Freedom Mortgage sent another check ( for {$1800.00} XXXX on XXXX XXXX, paying it twice. We found out about this when we received a check from our homeowner 's insurance for this double payment. My husband called Freedom Mortgage and ( after being told it was " impossible '' for it to have been paid twice by someone at Freedom Mortgage XXXX, was told to send a check with out account number and a note to " add to escrow shortage '' to a specific address. A check with those specifications was sent to the address given, and it was cashed in XXXX. I have a copy of the cancelled check from my bank. In XXXX 2016 we got an escrow statement showing our escrow was way below what was required by law -- -because they had never credited that check it to our escrow account. I have no idea where it was credited, but not to our account. We called and we were told to submit a copy of the cancelled check and a description of what happened to their customer service email address. We did on XXXX XXXX. And we heard nothing back. Then I sent another email ( forwarding the original with a new note saying we had n't heard anything regarding the issue ) on XXXX XXXX. I sent a XXXX email on XXXX XXXX, asking to please let us know the status within 24 hours. Nothing. So I wrote again yesterday again asking for an update within 24 hours, still nothing. I want to know what happened to our {$1800.00} and have it properly credited to our account!

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 09-02-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I received a copy of XXXX credit report recently and it shows that MIDLAND CREDIT MANAGEMENT INC has pulled my report on XXXX/XXXX/2015 without my permission. I had no business relationship with them nor they are my creditor. I believe they have violated my privacy and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I open the Citibank checking account back to XX/XX/XXXX because Citibank has a promotion. 
it state that to qualify for a XXXX cash bonus, open a new consumer checking account in the Citibank account package by XX/XX/XXXX Within 30 days from the date you opened your new checking account, deposit XXXX or more in a new to Citibank fund into your new checking or new or existing Citibank saving plus account. 
A minimum balance of XXXX is required to be maintained in the new checking account or new or existing Citibank savings plus account for XXXX consecutive calendar days following the date you made your qualifying deposit. 
The bonus will be received 90 days from the date of the qualifying transactions. 
on XX/XX/XXXX, I went to the branch to see what happen with my XXXX bonus, the branch told me she will send the claim to the customer service but it will take 48 hours to response to me. I kept waiting for the answer. Finally i got the response on XX/XX/XXXX it said my account has meet the requirement to receive the incentive for the amount of XXXX. 
I assume I should get it by XX/XX/XXXX. I called the customer service on XX/XX/XXXX to follow up my case, they told me I better go the branch to find out what 's going on with Bouns since i opened the account there. XX/XX/XXXX, I went to the branch, the branch made the phone to trace my bonus. Again, they told me It takes 5-7 days to process my bonus Up to date XX/XX/XXXX. I still have n't seen the XXXX bonus in my checking account. I feel so frustrated the way CITIbank they handle the case. I thought Citibank should be honor what they promise on the promotion. It seems like a scam, why they keep delaying the payment.

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 09-05-2017 about Vehicle loan or lease (Loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (NJ).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I was upset after I looked at my XXXX, XXXX and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 30 days past due as of XXXX 2017 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this took effect, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/2018 i received a notification that i have a credit inquiry from XXXX/XXXX ... ..I did not apply for credit with this company.Im not even sure as to who this company is.

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 05/24/2016 about Mortgage (Conventional fixed mortgage) with PROVIDENT FUNDING ASSOCIATES (FL).
Issue: Credit decision / Underwriting

Complaint: applied for a mortgage XX/XX/XXXX through a mortgage broker through Provident lending. Got a loan commitment letter several weeks ago, but now 2 days from closing, still ca n't get a closing disclosure

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2016 about Credit reporting () with Experian Information Solutions Inc. (HI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I short saled my house last year located in XXXX, Florida.However, the reporting agency listed the short sale as a foreclosure. I attached the HUD statement and the deficiency letter issued to me by the bank as proof.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Greentree mortgage has accepted my request to not call my cell phone due to them calling as many as XXXX times a day. As I got behind on my mortgage they ignored my past request to not call and the calls began. I called them when I had an answer and solution to catch up on my mortgage and told them I was waiting for a loan to fund in regard to selling my vehicle. The loan has not funded yet due to a minor delay and I feel as though I ca n't use my phone due to the numerous phone numbers they have access to for reaching their customers. Yesterday alone there were XXXX calls and I feel I am being harrassed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation