milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-07-2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen is engaging is Mortgage Service Abuse, Dealing in Bad Faith with deceptive and misleading practices causing the Homeowner and spouse great deal of XXXX needlessly. 

Ocwen entered in to Loan Modification ( attached Exhibit C ) after the Homeowner has successfully completed all required payments. Ocwen has twice since XXXX of XXXX arbitrarily without notice and contrary to the completed Loan Modification Agreement. Changed the modified of 3.76 % to 8.25 %. 

In XXXX XXXX Ocwen completed Modification Agreement and the Homeowner then made seven ( 7 ) monthly payments of the requisite amount of {$4400.00} then on XXXX without notice Ocwen in violation of the Modification Agreement increased the monthly payment to {$7100.00}. 
When the Homeowner contacted Ocwen to inquire as to why the change they were told it was an annual increase. The Homeowner were force to enlist help from counsel and XXXX/XXXX/XXXX ( Exhibit B ) Ocwen issued a correction letter citing on XXXX XXXX they identified the error and made the necessary adjustments. 

When the XXXX ( Exhibit A ) Mortgage Account Statement arrived Ocwen once again without notice or reason has once again increase the interest rate form the contractual {$4500.00} ( 3.76 % ) to {$7200.00} ( 8.25 % ) that an 119. % increase of the interest rate!

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I disputed several accounts with Commonweath Financial Systems and they agreed through XXXX to delete several disputed accounts from my XXXX Account. They were listed as NEW as of XX/XX/XXXX after their agreement to delete them in XX/XX/XXXX. Also showing up with XXXX by Commonwealth. These accounts were paid by insurance and never removed by the original debtor. I 've reported this agency to you before.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Debt collection (Credit card) with Credit International Corporation (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: My company ordered products for another company which was using stolen credit cards. I did everything in my power to identify this company as a legitimate company. XXXX ( My credit card processing company allowed transactions to go thru even though the company name on the credit card did not match who actually owned the credit card. There practices allowed this fraud scheme to work.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Consumer Loan (Vehicle loan) with HYUNDAI CAPITAL AMERICA (MD).
Issue: Shopping for a loan or lease

Complaint: I received an email from Hyundai Motor Finance regarding a special promotion for loyal customers. The deal was for 0 % for 66 months plus a cash bonus. I went to the dealership XXXX Hyundai in XXXX. I showed the dealer the email I received and asked to see some vehicles. The dealer was not trying to honor the deal I was sent. The dealer also ran my credit 5-6 times through other banks without my permission. I called Hyundai Motor Finance Headquarters to complain and was told they will " attempt '' to reach out to the dealer but it is nothing they can do it would be up to the dealer.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (KS).
Issue: APR or interest rate

Complaint: I am writing to file a complaint about Capital One. It is regarding my account numbers ending in XXXX, XXXX, and XXXX. 
I have been an account holder of theirs since 2000. I have never paid any of the accounts late. Recently, I noticed that they increased my rate on my account ending in # XXXX to 23.15 %. They have also increased the rate on my account ending in # XXXX to 18.15 %. Both of these accounts have had balances, and they have been steadily increasing the rates on these accounts. I believe they have been doing this in a predatory manner, primarily because the accounts have balances. In comparison, my account ending in # XXXX is not in use, although it is open, and my interest rate is 10.17 %. It is also important to note that my credit bureau is in good standing, and all of my other credit cards have rates of less than 15 %. When I called Capital One to complain, I spoke with a rep named XXXX. She gave a fairly lousy excuse for the rate increase, stating prime had gone up. But she offered to lower the rate to 20.15 % for 7 months. I is also important to note that the XXXX credit cards with balances have lower cash advance rates compared to purchase rates, which makes absolutely no sense ; cash advances are a higher risk than purchases due to the nature of the transaction. Simply put, I believe they are increasing the purchase rate on my credit cards because of running balances that are not always paid in full each month. In other words, they are preying on my ability on whether I can pay the accounts off.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Credit card () with DISCOVER BANK (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: A gentleman by the name of XXXX XXXX with XXXX XXXX XXXX contacted my mother ( XXXX years old ) and told her he could consolidate her credit card debt, which was a little over {$3000.00} ( $ XXXX on XXXX card and about {$300.00} on another ). After consolidating her debt he processed a charge electronically to her discover card for attorney 's fees in the amount of {$11000.00}. Discover card would not refund her the money because they told her she agreed to it. She was not aware of the amount he would be charging her or she would have never agreed to it. They did, however, waive a {$300.00} fee that was applied.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Called Equifax over the weekend to unfreeze my credit report. 
The call was directed to XXXX. When I requested a US based representative as I am entitled to, I was told that the US call center is " closed '' and if I want to lift my credit freeze that I must talk to the XXXX based representative. 
I believe that this response is illegal because under US law I have a right to speak to US representative to maintain my rights under US law.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: It appears that someone in XXXX has used my name and possibly social security number. The claim is stating that I owe XXXX XXXX for utilities not paid. 

I have never lived in XXXX and at the time of the claim I was living in Alabama.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NAVY FEDERAL CREDIT UNION (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I applied for a XXXX XXXX credit card and I was denied with a credit score of about 400/850. 

I requested a credit report from XXXX and it shows 2 accounts that are ( Responsibility : Individual ) and are both late 90+ days, along with this they are over balance. 

I DO NOT have accounts with XXXX XXXX or Navy Federal Credit Union, and will contact my local Police station tomorrow to file a report of fraud/identity theft. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Mortgage (Conventional home mortgage) with Statebridge Company (OR).
Issue: Trouble during payment process

Complaint: I Have 2 complain against Statebridge Mortgage company : 1 : my loan is due on the XXXX and past due after the XXXX, I get calls some times 3 times a day including Saturday and Sundays after XXXX of the month telling me my loan is late and must be paid immediately. I have called and wrote to them several times and this practice has not stopped. For your information I pay my payment on the XXXX and never been late on this loan. 2. Their on-line payment does not confirm if you have paid and if you accidently pay more than once, they will not cancel the additional payment even though still has not been processed.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Application, originator, mortgage broker

Complaint: Dear Sir/Madame
I applied for a loan with Bank of America, XXXX didn't explain for me that I will be asked to repair the house even before my loan approval. Also, I have been mistreated by my loan mortgage specialist XXXX. 
After the XXXX appraiser report I contacted XXXX the boss XXXX. I explained to him my situation, and he proposed to contact the appraiser agent to talk about the house. Then, XXXX told I will need  to fix just the safety issues which are fix the wood floor in the living room, fix the ceramic flooring of the kitchen and the bathroom, the XXXX rail for the stairs to the roof, and replace the deck. Even though, it was hard to get in the house because of the seller's bank kept changing the lock of the front door, I fixed all this issues. Therefore, I did all requested repairs.
I got surprised from the XXXX appraiser report, because it's asking me to fix some ridiculous thing such as facing still missing, not finishing drywall.  The real problem is XXXX got this report on XX/XX/XXXX  My real estate agent XXXX kept asking her for it, but she kept telling him she knew nothing about it. She released the report just a few days before the closing, so I can do nothing . By her actions, she took away my right to make a decision about something very important to me. I mean, by hiding this report until the last days, she put me in hard position. Now I don't have enough  time to do anything about this matter.
In the end, I've fixed what I have been told to fix.  XXXX hurt the feeling of my real estate agent XXXX and mine as well by treating us like we were in a primary school on the XXXX century. Also, she made me lose my money, my work, the help of many friends gone for nothing, and my time as well.

The appraiser inspection with evaluated the house XXXX more than the loan priceXXXX$.
 I spent for it almost XXXX plus I paid down payment of XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Problem with fraud alerts or security freezes

Complaint: Hello - I am one of the people who has had my Equifax consumer credit info compromised. I recently ( XXXX/XXXX/XXXX ) contacted Equifax to put a freeze on my credit, in response to their hack & failure to protect my confidential info. I was told by the representative that I would FIRST have to sign up for their TrustedID credit monitoring service before I could freeze my credit. I had identified myself as one of the breach victims. I let the representative know that 1 ) I had no intention of signing up for TrustedID as it would require me to give up any legal remedies ( and is not free after 1 year ) and 2 ) I knew his statement was factually, and legally, incorrect. He reiterated that I first had to sign up for TrustedID, so I asked to speak to a supervisor. After being placed in hold for a few minutes, the same representative returned ( not a supervisor ) and he said that I did n't have to sign up for TrustedID after all, and he gave me the URL for the website so I could do it online. I am convinced that if I had been a less educated consumer, I would have been forced to join their for-profit credit monitoring service and also forced to give up any legal remedies regarding the damage to my credit confidentiality. There is no doubt in my mind that people who call into Equifax to freeze their credit are being mislead and fraudulently required to sign up for their TrustedID " service ''. Note : I also placed freezes with XXXX XXXX XXXX ; neither company required me to sign up for credit monitoring or even suggested it.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Consumer Loan (Title loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (PA).
Issue: Can't stop charges to bank account

Complaint: I obtained a loan from Springleaf Financial 's ( now OneMain ) branch in XXXX, Pennsylvania. At the time the loan was made, I provided the lender with a routing number and checking account number from which to withdraw the monthly payment. 

I recently changed banks. Well before XX/XX/XXXX 's scheduled withdrawal, I logged into OneMain 's website and submitted a new routine number and account number corresponding to the new checking account. I have since logged back into the website to verify that the new account information ( XXXX ) is displayed as the payment account. 

Nevertheless, OneMain has made 2 attempts in XXXX to withdraw the payments from the old account at XXXX. XXXX refused to honor both drafts, and charged me {$35.00} for each dishonored draft. 

Calls to both the OneMain branch and web support center did not provide an explanation for the unauthorized drafts against the old account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I wrote Equifax on XXXX XXXX, XXXX as I discovered issues on what they were showing on my credit reports. I included copies of my drivers license, social security card, and a utility bill as proof of my residence. It is XXXX XXXX, XXXX and they have not responded. This is illegal for them to do as the law says they MUST answer in 30 days!

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MT).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: For more than the fourth time in two years Navient has miss allocated funds sent to them, I have done everything they have asked, ( separate checks for private and federal loans, different envelopes and billing addresses for the XXXX, letter with payment on how funds should be allocated, nothing works. Basiclly submitting this as a lasts resort to a lawsuit. 
This is a yearly complaint, i am at my whits end, why pay on time if there just going to mess it up?

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Bank account or service (Checking account) with CITY NATIONAL BANK (CA).
Issue: Account opening, closing, or management

Complaint: I was the subject of a Confession of Judgment entered in a XXXX court. I have no assets or other property XXXX. I reside XXXX and bank with XXXX XXXX Bank XXXX. The judgment creditor did not domesticate the judgment XXXX but merely served it on a XXXX XXXX Bank branch XXXX who froze my account. XXXX XXXX indicated that the National Banking Act does not require the judgment creditor to domesticate the judgment XXXX in order for them to freeze my account XXXX. I forwarded them information relating to the National Banking Act and how State Debt Collection laws are not preempted. XXXX XXXX ignored my information.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX, Experian & XXXX.

Re : Unauthorized Credit Inquiry To whom it may concern : The following inquiries were not authorized by me, please delete them. I have never given my permission for any company to inquire about my credit status any inquiries made or unauthorized. The presence of these inquiries on my credit report constitutes inaccurate information which under The Fair Credit Reporting Act must be removed.

Company & Inquiry date 1. XXXX XXXX  XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XXXX  XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX  XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX 14. XXXX XXXX XX/XX/XXXX 15. XXXX XXXX XXXX XX/XX/XXXX 16. XXXX XX/XX/XXXX 17. XXXX XX/XX/XXXX 18. XXXX XXXX XXXX XX/XX/XXXX 19. XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 20. XXXX XXXX XX/XX/XXXX 21. XXXX XXXX XXXX XX/XX/XXXX 22. XXXX XXXX XX/XX/XXXX 23. XXXX XXXX  XX/XX/XXXX 24. XXXX XXXX XX/XX/XXXX Once your investigation is complete, please send me an updated copy of my credit report. I would appreciate the name, address, and phone number of the companies who inquired about my credit so that i may follow up. 

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 non-monetary relief
Consumer complaint received 06/13/2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (HI).
Issue: Application, originator, mortgage broker

Complaint: Started a refi with bank of America in XXXX 2015 today is XXXX XXXX 2015 .I fill i have been discrimanated agaist starting with the loan officer to the underwriter. Bank of America XXXX XXXX like laws have made this very frustrating.After a heated conversation with the loan almost immediately he change all my info .I havent spoken to him since XXXX, someother person has been assiting me.Never have i had such awful service .All info submitted and still no CLOSE/

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-06-2015 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (CA).
Issue: Managing the loan or lease

Complaint: I had a business line of credit with Wells Fargo Bank. My company went bankrupt but we continued paying on the loan. Wells Fargo unilaterally discontinued our account access and sent no statements. They contacted us after XXXX months and still refused to give us account access since it was part of our company, but they said we had to pay it since it was personally guaranteed. They still would n't send any statements or billings. Today they took over {$3400.00} out of my personal Wells Fargo account. They still have not given me any written explanation of the amount, fees, interest, anything. The representative at Wells Fargo XXXX XXXX at XXXX XXXX was not only rude but also refused to give me any information about the amount taken.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: Wells Fargo deceptively opened a personal line of credit. It has fees attache with it to have it open and it gave be a hard ding on my personal credit report. When I spoke with Wells Fargo they said " sorry '' and they will talk within their internal teams to resolve it - no solution or help for me ... 

THE STORY : I went into Wells Fargo XXXX, CA to get a new credit card for XXXX that I lost. When I did that the banker recommended I open a personal line of credit - which would have an interest rate between XXXX %. Then I should move my credit card balance to that and pay off my debt slowly with a lower interest weight. No brainer - right? 

When I opened the account - I received a XXXX % interest rate - higher than my credit card. When I called the banker back, he said sit on the account for XXXX months and do n't use it, then Wells Fargo would lower the rate. Obviously, that never happened. That account has been sitting open, untouched, unused. Not even once. Why would I? It 's higher than my credit card interest. 

I have been paying fees on this account to have it open ( if I close it I get another hard ding ). When I opened it, Equifax gave me a hard ding as 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 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have repeatedly asked for evidence to support their reporting, but yet again they have failed to provide me with any viable evidence bearing my signature submitted by XXXX XXXX XXXX. substantiating their claims. Furthermore, I have requested their method of verification and they have not complied, which is a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (TX).
Issue: Managing the loan or lease

Complaint: Toyota Financial Services reported incorrectly information to the Credit Bureaus for a late payment done on XX/XX/XXXX. This late payment was not reported until I protested another late payment done in XX/XX/XXXX. I feel that TOYOTA FS was dishonest in reporting to the Credit Bureaus correct information and I never received any notice or call regarding making a late payment either. When I protested on the BBB in XXXX, XXXX admitted that they had done a mistake/error and should have reported this late payment. I was never informed that they had made this report or late marker. Therefore I feel that TFS is acting in a dishonest illegal way due to not informing the bureaus and then backtracking themselves and not informing me. I believed that payments could be done until the XX/XX/XXXX without penalties. 
On another note, I payed my monthly payment on XX/XX/XXXX due to the fact that previously I had payed up the XX/XX/XXXX th before getting a XXXX day late payment marker. I also called TOYOTA on the XXXX letting them know that I was sending a check for the complete payment on the XX/XX/XXXX since I had refinanced my mortgage to pay off my account with TFS. I was never told that a late payment marker was being applied that day due to lack of payment.

Company response to consumer: Closed with explanation