milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-06-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Settlement process and costs

Complaint: Original bank sold my mortgage to Ocwen XXXX back in 2013, I 'been trying to get modification ever since, the XXXX time I made payments for three months and after the three months I was denied, next I try short sale for almost a year it was back and forth, finally I tried modification again and got it again, after XXXX payments later they ask for {$650.00} more no explanation, I do not want to lose my house, and it 's almost impossible., they milk the time so the total amount will be grader, do they have the right to do this?

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Credit card () with CITIBANK, N.A. (AL).
Issue: Transaction issue

Complaint: I have the BestBuy credit card managed by Citi. I have had the card for almost 10 years now. I have never not paid the full amount every month. I used to pay it off every week, but they changed their stance several years ago so that 4 payments in a month was considered fraud and kept locking my account. Now I am being told that paying off the credit card every month for what I owe $ XXXX+ is also considered fraud and they have locked my account to prevent further fraud. I 'm told that I will not be allowed access to use my card for 8 days to protect me from the fraud I committed by paying my balance in full every month from the same account every month with realatively the same amount every month. In this instance I made a payment on XX/XX/XXXX, according to my bank Citigroup received payment on XX/XX/XXXX. I have called on XX/XX/XXXX & XXXX and they confirm that they do have the payment, but because I paid the full amount that I owed, from the same bank account I 've used for years, they have locked my account for 8 days as fraud precaution. I was out of town on a trip during this time frame and being locked out of my card without reason is extremely inconvenient. I 'm told that I should be happy that I am receiving this protection because somehow it protects me. I believe Citi is purposely restricting me because they only make money off my transactions and not from interest charges to me, which I believe is unfair.

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: " Potentially Impacted '' by the recent Equifax security breach

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I discovered that my Chapter XXXX bankruptcy had been incorrectly reported as being discharged XX/XX/XXXX. I filed the bankruptcy XX/XX/XXXX and the XXXX XXXX bankruptcy court discharged on XXXX XXXX. This was incorrectly added to my credit record at all three credit reporting agencies some time this year and was not reported to me through the credit reports I obtained as late as XXXX XXXX, XXXX, but it was reported to several mortgage companies in a report obtained through XXXX XXXX on XXXX XXXX, XXXX, XXXX # XXXX. I called all XXXX credit reporting agencies ; XXXX, XXXX and Equifax last week ( XX/XX/XXXX ) to file a dispute and sent a copy of my bankruptcy court order to each of them showing the correct discharge date. XXXX and XXXX have both since corrected this in my report, but Equifax is telling me they are still investigating and that they have 30 days to correct the error. They fuse to give me any assurance it will be corrected any sooner. In the mean time I ca n't get the refinance mortgage I am trying to obtain. 

However, the most disturbing problem is the reporting of this public record. Equifax told me that they received this erroneous report directly from the Bankruptcy Court in XXXX XXXX, TX. I called the Bankruptcy court directly and they told me that the court does not report to the credit agencies. I pressed Equifax repeatedly to verify where they got this information and noted that all XXXX agencies had the same error on all XXXX of my reports. I asked for some kind of verification of who reported this information and they insisted that they got the information directly from the public records. I find this very difficult to believe since all XXXX agencies had the exact same erroneous information and that it was added to my credit report at all XXXX agencies at the same time, especially when it was n't shown with a discharge date of XXXX XXXX on any of my reports last year when I was able to get a mortgage to purchase the house I bought XX/XX/XXXX. I would not have been granted a home mortgage with a bankruptcy discharge less than four years old. 

I want to know who reported this to the credit bureaus. If all XXXX of the obtained the information themselves, at the same time, then who are they really getting this information from? Is there some third party public record reporting service they all use that they refuse to disclose or are they actually getting this directly from the official bankruptcy court records? And, more importantly, why is it wrong? Who is responsible for this? 

FYI, I have the credit reports from all XXXX agencies I obtained through XXXX XXXX and the credit report from XXXX XXXX as well as the court order discharge I obtained directly from the Bankruptcy court in XXXX XXXX, TX available if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax has placed on my credit file voluntarily dismissed chapter XXXX bankruptcies # XXXX, XXXX and XXXX. It is Equifax position a " Dismissed/Discharged Chapter XXXX Bankruptcy remains on the credit file for ten years from the date filed ''. Equifax needs to familiarize themselves with 15 U.S.C. s 1681c s 605 ( a ) ( 1 ) regarding the statue of limitations on bankruptcies. 

( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) no consumer reporting agency may make any report containing any of the following items of information. 

( 1 ) Cases Under title 11 or under the bankruptcy Act that, from the date of entry of the order of relief or date of adjudication, as the case may be, antedate the report by more that ten years.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: On XXXX XXXX XXXX USAA bank delayed processing of a deposit from my employer resulting in {$70.00} of over draft fees from pending bills. As a result I had no money for food during XXXX XXXX in XXXX. Their excuse, a XXXX day delay in depositing due to bank closures. The fees were not refunded. 

On XXXX XXXX an electronic deposit is currently being delayed XXXX days from XXXX, the funds generally take XXXX minutes to deposit. However a bill posted after the initial deposit has been credited first to trigger more overdraft fees. USAAs excuse a XXXX day time frame for deposits. However over XXXX deposit transactions in the last XXXX months have been timely, except for those occurring when a known periodical expense is due. The XXXX transaction in fact deposited on the XXXX then disappeared off of the account, XXXX minutes later the bill credited to the account triggering an overdraft. USAA is playing games trying to collect overdraft fees by manipulating transaction times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/22/2017 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Two or three weeks before XXXX, the Synchrony Bank fraud department suspended my credit card, issued through Walmart, because they detected fraud. After repeated phone calls and emails, I still do n't know why. The activity on the account for that month was fairly standard for amounts spent and items purchased. I was never given any warning, and, at some point, was completely shut out of my account. After the fourth phone call, after being mailed a security code, I was allowed onto my account, which satisfied THEM. I am still boiling and have not used the account since.

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 07/28/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with TCF NATIONAL BANK (MN).
Issue: Other service problem

Complaint: I would like my bank to commicated with 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 08/19/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I placed a credit freeze on all of my credit reports, including Equifax, on or around XXXX/XXXX/13. In the past couple of weeks, I 've lifted ( temporarily, then permanently ) the freezes at both XXXX and XXXX with little to no problem, even with a forgotten PIN for one of them. I have been met with nothing but roadblocks when trying to lift the Equifax freeze, though. I have entered all of my information in the online form correctly twice, even providing my past address, a field that was not marked as required, only to be told that additional information was required and needed to be mailed in. There was no explanation as to why my request could n't be completed online. I also called the automated phone line twice and was given the same message about mailing in proof ; again, with no explanation as to why my request could n't be completed. Neither system even bothered to ask for my PIN, a readily available piece of information that could have easily proven my identity and unlocked my report, as it was meant to. 

Instead, I was told that I would have to mail Equifax my full name, complete address, Social Security Number, date of birth, XXXX forms of identification ( utility bill and paystub were the given examples ) and the credit freeze PIN. For one, I see no reason why the PIN could n't have used either online or over the phone to verify my identity considering that 's its sole purpose. Secondly, all of this information was already provided on the form/over the phone with the exception of the XXXX forms of ID which would have been near impossible for me since I live with family ( no utility bills in my name ) and am self-employed ( no paystubs ). Thirdly, it makes absolutely no sense to be forced to mail such sensitive information that could be used to steal my identity in an effort to lift a freeze that was intended to stop that from happening. If that correspondence were somehow intercepted and used by someone else to open a credit account in my name with a company that pulls from XXXX or XXXX, I doubt Equifax would compensate me for that trouble. Lastly, I have accounts with both XXXX and XXXX XXXX, which both pulls Equifax credit reports and were able to do so, in spite of the freeze, because I was requesting my own report and I answered the identification verification questions correctly. 

I see no reason why I should n't be able to verify my identity online like I did when I set up the freeze or like I have with XXXX and XXXX XXXX instead of opening myself up to the additional and unnecessary risk associated with sending sensitive information through the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I had a Citibank card about 4 years ago. I had been charged with too much fees and when I called them I have been charged too much and I would like to close the account by paying off the balance, the customer service representive was laughing at me and did not care at all about what happened .I was shocked by the lack of care of this bank for its customers. It looks like they are not honest and they really need to improve their service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Mortgage (FHA mortgage) with INTERCONTINENTAL CAPITAL GROUP (MD).
Issue: Application, originator, mortgage broker

Complaint: I received an official looking letter in a XXXX envelope. It said that my FHA MIP premiums could be reduced effective XX/XX/2015. The following pages were government FHA docs which included the name of the Acting Assistant Secretary for Housing - XXXX ( XXXX XXXX ). I called the number and they were a mortgage lender. They said they were affiliated with the government. 
Fortunately I 've worked in the mortgage industry so I realized at this point that they were trying to get me to refinance my mortgage. They 're only affiliated with the government in the sense that they 're able to provide FHA loans. It 's completely misleading to the consumer who thinks he/she is receiving a reduction in mortgage premiums NOT a standard FHA refinance which could cost thousands and/or add years to they 're mortgages. The way the company ( XXXX XXXX XXXX based in NY ) presents themselves is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MO).
Issue: Account opening, closing, or management

Complaint: To Consumer Financial Protection Bureau, I am submitting a claim related to wrongful advertisement and deceptive business practices from Citi Bank in regard to their Citigold bank account. 
In XXXX/XXXX/XXXX, I submitted an application for a Citigold bank account using promo code XXXX which I had received from Citibank. This promotion was for Citi AAdvantage Platinuum Mastercard customer, which I am. 
The promotion was set to end on XXXX/XXXX/XXXX. Knowing that the application may not be approved before the New Year, I had confirmed via phone with a CitiBank representative on XXXX/XXXX/XXXX that the application will be processed before the expiration date of the promotion, and that I qualified for the bonus offer of XXXX XXXX Advantage points upon meeting the promotion requirements : " Within 60 days, complete a purchase of {$1000.00} or more with your Citigold Debit card and perform 1 or more bill payments for 2 consecutive calendar months '' I confirmed via phone again in XXXX, at activation of my account, that I qualified for the promotion. 
In XXXX, after meeting the promotion requirements, I contacted Citibank via secured message to inquire when to expect the points to be posted on my XXXX XXXX account. XXXX XXXX XXXX, Citigold Customer Service, confirmed on XXXX XXXX XXXX that I " [ had ] completed all requirements associated with promotion code : XXXX '' and calculated that the " the bonus miles will be credited to [ my ] XXXX account by XXXX/XXXX/XXXX ''. 
Not seeing the points on my AA account by the end of XXXX, I reached again via secured message, and this time received a correspondence from XXXX XXXX XXXX that CitiBank will open a review of the promotion offer, under case number " XXXX XXXX '', despite the fact that it was confirmed previously that I qualified for this offer. 
On XXXX/XXXX/XXXX, I followed up again via secured message, and received a response from XXXX XXXX that the promotion department is experiencing delay in their investigation, asking me to allow more time to receive the results. 
As we are now two months past when the points should have been posted, I am submitting this complaint for the Consumer Financial Protection Bureau to investigate the business practice of Citbank. 
Furthermore, I am requesting Citibank to Honor the set promotion and promptly post the earned points to my AAdvantage account Waive all fees for this account from the period starting XXXX XXXX XXXX and until the points have been posted. 

Thanks! 

XXXX XXXX. 

Attachment Screen capture of application Secured message communications with Citibank employees regarding this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-08-2016 about Mortgage (Conventional fixed mortgage) with Core Advisory Group, LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I hired this company because they contacted me making promises that they could help me by filing info with federal agencies by filing complaints on my behalf but never did file anything for me and never did anything to assist me after receiving my money. They advertise they can save my house, get government to go after the lender and get me a modification. They did not do anything as advertised. I paid them upfront {$1500.00} + {$120.00} to use their notary service and after that I never got anything. I had to file for a short sale to stop the sale date on my property. Shortly after I contacted them after no responce to inform them that i had not received anything from them to verify what they have done and I was then sent some bogus information from them. At that point I was then informed that they would not be sending the information out but i would have to send the information and that they only would provide documents for me to send. I then requested that they cancel the contract and refund my money. I was then informed that they sent me a link to do so and they needed something in writing, so i drafted a letter and sent it to them and requested a refund but i have not received a response. This company is a scam and I would not recommend that anyone hires them to assist them with help to retain their mortgage. Please assist me with getting a refund from these XXXX and help me to put the lying scam XXXX in jail!!!!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/28/2017 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The credit bureau 's were reporting a bankruptcy and that the courts do not verify a bankruptcy and therefore they the credit bureau pulled the information from a third-party reporting agency and therefore that information must be deleted.

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 02-05-2016 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (MA).
Issue: Taking out the loan or lease

Complaint: I had a personal, unsecured loan with Wells Fargo, which I paid in full well over a month ago. I have yet to receive any sort of confirmation the loan is paid, or a charge-off statement. The loan is still being reported to my credit. When I attempt to contact Wells Fargo, they advise me they have no record of me or my loan anywhere when searching by my social security number. They have intentionally lied to me about which department to speak with, about there being a supervisor in the relevant departments, and about the process of obtaining proof of payment in full. I have also been hung up on anytime that a person is unable to answer the most simple of questions, or when I ask for a person who can resolve this issue directly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I just received a copy of my credit report. An agency entitled XXXX XXXX XXXX  located at XXXX XXXX XXXX, XXXX Michigan did an inquiry on XXXX resulting in a lower credit score. I did not apply for credit. 

Equifax searched out and placed a lien release on my credit record and refuses to remove. This lien was paid in full. 

XXXX searched out and placed a lien release on my credit record and refuses to remove. This lien was paid in full. The state of Oklahoma does not file liens with the three agencies. 

XXXX did remove the lien off my credit report. I want Equifax, and XXXX to do the same. I want XXXX investigation as to why they pulled my credit report.

Company response to consumer: Closed with explanation