milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/21/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen failed to notify me of the details surrounding my change in payment. I happened to look at my statement in " Important notes '' and it was in the middle of the paragraph, very non descript, no bold type, etc. and certainly not the first note as it should have been due to the importance of a payment change. THe notes read as follows : " Unapplied Funds : Any partial payments that you make are not applied to your mortgage, but instead are held in a separate unapplied funds account. If you pay the balance of a partial payment, the funds will then be applied to your mortgage. 
Please note that your monthly payment amount has changed to {$3400.00} effective XXXX/XXXX/2016. Further detail regarding the reason for this change will be included in a separate letter. 
Please note that your monthly payment amount has changed to {$3400.00} effective XXXX/XXXX/2016. Further detail regarding the reason for this change will be included in a separate letter. 
Payments received are to be applied in accordance with the mortgage note. Payments will be first applied to bring the loan contractually current. Any additional funds received will be applied to outstanding fees and advances prior to being applied to principal. 
Our records indicate that you have filed for bankruptcy protection. This statement applies to our lien on the subject mortgaged property and is being provided for informational purposes only. If any payments are remitted, please include the coupon below with any payments se ... '' I have NOT received any " Further detail regarding the reason for this change will be included in a separate letter. '' for either the XXXX payment change or the XXXX payment change.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Checking or savings account (Other banking product or service) with WELLS FARGO & COMPANY (CA).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: I 've submitted two claims with Wells Fargo now twice they continue to ignore facts in resolving the issues. Several Checking and Savings accounts and even a loan was opened under my name and social with Wells Fargo without my consent and due to my identity being stolen. 

Wells Fargo continues to neglect factual information. They do n't accurately investigate claims and try to put accounts that do n't belong to me under my name and social. Wells Fargo ignores that the account identifiers do n't match me along with I 've been living and working abroad since 2010 so its impossible for me to have open any accounts with their bank. 

I 've talked to the Executive Office along with the Financial Crimes Manger and continue to get no where. I 've been given the run around and false promises. Wells Fargo has a history of not doing right by its consumer and I 'm not the latest victim of Wells Fargo neglect and irresponsibility.

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 12-01-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America mortgage account XXXX is being reported 'open ' as of XXXX XXXX, 2015 ( please see attached documentation ). However, after numerous conversations with Bank of America representatives including XXXX XXXX and XXXX XXXX, I have been told that the account is, in fact, closed. Bank of America must clear this matter up immediately by correctly reporting the account status as closed. Failing to do so is in direct violation of the Fair Credit and Reporting Act, 15 U.S.C. 1681 ( " FCRA '' ), and if the information can not be reported correctly it should be removed from my credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I had the unfortunate situation where the merchant charged me {$950.00} for the XXXX XXXX. They utilized my XXXX XXXX from USAA that advised that if I didn't give them permission to use the card then it is considered fraud and per the terms of XXXX XXXX themselves has the area which shows it as a fraudulent transaction.

Please see the area below : Thieves may acquire records containing your personal information and/or account information from intercepted or discarded financial statements, payroll stubs, or other records sent to you or from third parties with whom you interact in your normal course of business where such information is disclosed.

My XXXX XXXX was on the XXXX   Webpage. The merchant in XXXX made the charge without my permission and I contacted them as a email came through to me. They advised me it was in error and it would be cancelled.

USAA had me completed the required Fraud forms and submit them and after many months came back with a non written response stating that I gave them permission to use my card. I firmly denied it and they insisted and then went into a personal matter I told them about my health. ( Per their request ) The USAA representative sided with the XXXX XXXX with no proof to back their position. They do not have a signature and they have my sworn statement that I contacted them in the window of cancellation with no charge if the employee hit a button during the call. I expected a company with a reputation that was built by XXXX  would not be soiled by lies and fraud.

I have requested all proof with signatures that show that I made the transaction. Additionally, the hotel is not admitting to calls and stating that I needed cancellation numbers which they said were not needed at this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Bank account or service (Checking account) with PNC Bank N.A. (OH).
Issue: Using a debit or ATM card

Complaint: the PNC bank of XXXX PA ALLOWED THE VISA CARD PEOPLE TO GO INTO MY BANK ACCOUNT ENDING IN XXXX A TAKE MONEY FROM MY ACCOUNT WHEN I HAD CHANGED DEBIT CARD NUMBERS AND WAS TOLD BY THE BANK THAT NO ONE COULD COME IN MY ACCOUNT AND TAKE MONEY WITH OUT MY ACCOUNT NUMBER! THEY ALLOWED THE XXXX TO DO SO AFTER CHANGING MY DEBIT CARD NUMBER! THE XXXX PEOPLE GAVE THE XXXX PEOPLE MY NEW CARD NUMBER WITH OUT MY PERMISSION A VIOLATION OF THE FDERAL PRIVACY ACT!

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (AL).
Issue: Managing, opening, or closing account

Complaint: I have a Rush Card and I think they have deliberately restricted online access to people 's accounts so that we will not be able to track transactions. They have issued many statements asserting that all issues have been resolved, however, unless you are willing to hold for three hrs to speak to a representative, you have no way to know how much has gone into or come out of your account. My accent information is not accessible thru their website nor their iphone app. They know this but have not taken any steps to resolve it. Keeping us in the dark only serves to benefit RushCard. I 'm sure if I could see my transaction history, I would find discrepancies. I 'm positive there is money missing from my account. Who can I even speak to about this?? It is tragic that RushCard could treat their customers like this when they know they service economically disadvantaged consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-01-2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have contact the companies by certify mail reporting derogatory information, I refuse this account to be mine and report them as fraudulent, Some creditor/ collections agencies, promise close accounts and update to all major credit bureaus withing 90 days but of these was follow,

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I recently inspected my Equifax credit report via " XXXX ''. I noted that they had the wrong form of my name on my report. My legal name is XXXX, and my Equifax credit report has the name " XXXX ''. Informally, I 'm known as " XXXX '' among family and friends, and at one time I spelled the short form of my name " XXXX ''. But since then I 've changed the spelling of my informal or " nickname '' to " XXXX ''. NONE of this has any bearing on the name that SHOULD be on my Equifax credit report, because for business purposes, when I sign anything or conduct ANY kind of business, I ALWAYS go by my legal name, " XXXX ''. Per Equifax 's instructions, since one of the items I was disputing was the name on the report, I faxed copies of my birth certificate and state-issued Identification card via fax, along with a written detail of any other information I wanted to dispute. Before faxing the documents, I made certain that all info, INCLUDING my birth certificate and State ID were clear and legible. 
Unbeknownst to me, once they received my faxed documents, they downloaded them on their computer system in XXXX, Georgia ( I do n't know what they did with the hard copies after that ), and when their customer service agents now try to access them in whatever country they 're outsourced from, they 're reduced to fit their monitors and resolution, making my birth certificate supposedly impossible to read by them -- but the ID is still legible. 
I 've told them repeatedly that I do n't have any other documents they might find acceptable, and that they should go by the State ID I sent, which they agree is legible, since it 's not my fault they converted the hard copies to an electronic form that 's illegible. I also reiterated to them that I ensured that the hard copies I sent were clear and legible, so I 've done my due diligence. Now they 're refusing to update the name on my report to my legal name, purely on a technicality in their regulations, even though the issue is their fault and not mine. 
Do I have any recourse against them, or any way to compel them to make the necessary changes, or to attempt to locate the original hard copies I faxed, or am I at their mercy, even though I 'm in the right? 

Thanks in advance for any assistance or information you are able to offer. 

Sincerely, XXXX XXXX XXXX, OH XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (NY).
Issue: Other transaction problem

Complaint: - XXXX XXXX 2017 I got a call from Paypal that my account is canceled and that I will have a lifetime ban. <P/>- I inquired as to what the reason is. Did I violate any terms of agreement or did I misunderstand any clause. And if I was why did n't I get an

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 04-05-2017 about Debt collection (I do not know) with American Capital Enterprises, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have repeatedly requested that American Capital Enterprises provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 10/19/2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX months ago my lease was up, paid every month perfect, when I left I made sure everything was clean, cleaner then when I moved in. This complex is trying to charge me XXXX for paint. When a tenant moves out it is not required to paint the unit. This is ridiculous. I need help. I 'm being taken advantage of and it is not fair.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: MULTIPLE HARD INQUIRIES WITHOUT MY PERMISSION AGAIN LETTER SENT TO CREDIT BUREAUS AND THEY STATED THESE INACCURATE INQUIRIES WILL STAY ON MY REPORT XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX and XXXX Ive submitted a previous complaint with VERIFICATION about my inaccurate student loan payment history and not all of that was corrected Im EXAUSTED with the constant back and forth with the bureaus I just want these inaccuracies that are hendering me with no fault of my own CORRECTED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Attempted to get my free annual credit report from XXXX for more than 2 months now. Experian still does not allow that website access. 

**WEBSITE QUOTE** We 're sorry A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX **END QUOTE** I have gotten this same message for too long. I thought that it was the law that this information is made available to consumers and that this website is where we are supposed to go to get this information.

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 04/26/2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I submitted an application with TD bank back in  XXXX   XXXX  and never openned the account never funded nor even activated the debit card. I then saw a promotional rate to receive {$150.00} for being a new client after depositting {$500.00} within the first 60 days of openning the account. Minding I had the application from  XXXX  i called customer service and asked if I qualified and gave them my information as well as explained my situation stated above. I was told by a  TD bank associate their was no issue and I qualified for the promotion. I have called 3 times  about the promotion and no one has brought up an issue until today Wednesday    XXXX   XXXX   XXXX   . My call eneded with a supervisor by the name of  XXXX  today  XXXX / XXXX / XXXX  at approximately   XXXX   XXXX   telling me I did not qualify for the promotion due to having a profile in their system from  XXXX  and was advised by her to walk into a branch to fix the issue. I walked into a branch today Approximately at    XXXX   XXXX    on the location on  XXXX   XXXX  and  XXXX   XXXX  in  XXXX . I was then advised by an employee by the name of  XXXX   XXXX  ( might be misspelling name ) that this was incorrect information due to my account being openned online which was known by every associate " assisting me '' and that " the customer service center is know for giving customers incorrect information '' this is sad and wrong. I want either all my fees returned for having the account open or I want my  XXXX  misleading bank and associates.. bunch if crooks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/25/2017 about Debt collection (I do not know) with Convergent Resources, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Ive been receiving phone calls from a number that does not speak when answered. Then I received a letter saying I of {$470.00} but is I pay now or make payment arrangements now they 'll settle at {$95.00}. 
I 've called the phone numbers listed and they are not in service. I looked the collector up on the web and once I disclosed the account # listed and that my Attorney and I have worked deligently to bring my current credit to good status, I was disconnected by the other party.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (LA).
Issue: Deposits and withdrawals

Complaint: On  XXXX   XXXX ,  2017, I ca lled Navy Federal Credit Union about my federal income tax refund being deposited in the wrong account. They told me that since it was the wrong account, the funds would be rejected and sent back. I called back on  XXXX   XXXX  and  XXXX  and they said the same thing and would not further assist me. After a week of checking for the funds and not seeing them, I called Navy Federal Credit Union on  XXXX   XXXX ,  2017. T hey told me that I had to call the IRS or  XXXX   XXXX   XXXX   XXXX  to get my money. I called both and they told me Navy Federal Credit Union has to release the funds back to them and then they will be able to send me a paper check. I have been back and forward with Navy Federal Credit Union and  XXXX   XXXX   XXXX   XXXX  to get our funds. Finally, on  XXXX   XXXX ,   XXXX  , Navy Federal Credit Union was willing to tell me that I had to get  XXXX  &  XXXX   XXXX  to send them an Indemnity letter to release the funds. On  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   sent the letter at  XXXX  and at  XXXX  and it was denied, because the full amount was not available. I called Navy Federal Credit Union back on  XXXX   XXXX  and  XXXX  to see what I can do to get the funds released. They said they need  XXXX   XXXX   XXXX   XXXX  to send another letter when the full amount is available to be withdrawn.  XXXX  &  XXXX   XXXX  is refusing to send another letter stating the same amount for The  Federal Refund,   which was denied. Now I do not know what to do, because Navy Federal Credit Union has proof that the money belongs to  XXXX  and  XXXX   XXXX . I also have our state refund being deposited to the same account i n 5 to 7 busi ness days, which will pose the same issue. Any assistance in this matter will be appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Payoff process

Complaint: I was XXXX of Synchrony Bank 's victims in the recent class action lawsuit. In XXXX 2015, Synchrony credited my account with respect to the terms of the class action suit. I was left with a small outstanding balance. I called Synchrony to determine the exact payoff amount ( {$38.00} ), and paid it the same day, leaving me with a zero balance. 

On XXXX XXXX, 2015, Synchrony made an unauthorized debit from my bank account ( XXXX XXXX ) of {$11.00}. I called Synchrony yesterday to determine what had happened and to get them to return my money. They refused. 

Despite having lost the class action lawsuit, Synchrony is continuing to defraud their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Mortgage (Conventional fixed mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I contacted several mortgage companies a few years ago to refinance and chose USAA. I asked each one of the mortgage companies if I could make bi monthly payments to pay down my mortgage sooner and USAA said yes. After the refi was complete I reached out to set up my extra payments and was told that I had to pay to participate in a program to be able to make extra principal payments. This is my complaint. I should not have to buy a program to pay off my mortgage with extra principal payments.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (MA).
Issue: Loan servicing, payments, escrow account

Complaint: We have been trying to short sale our home for XXXX months!!!! CitiBank has been continuously and purposely been delaying their review so they can auction our home off. We and our attorney have continuously submitted EVERYTHING they ask for in a timely manner. It takes Citi weeks to respond to our phone calls and emails and when they do finally respond, they say that what we sent has expired ( because they took too long to respond!!! ) The file is also in homepath because it is a FNMA loan. The file keeps getting closed out of homepath because of Citi 's lack of response. We have a sale date now on Wednesday even though Citi confirmed that they finally had everything they needed to issue an approval on this file after XXXX MONTHS of reviewing it. Citi promised us that this sale date would be cancelled but it is not. PLEASE HELP!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Application, originator, mortgage broker

Complaint: The issue with the Bank of America account is that they charged off the account BUT are still reporting that I owe the full balance. This loan was a XXXX loan for the Foreclosure!! I feel like I 'm getting XXXX because I had the foreclosure and they are also carrying the balance, thus I ca n't rebuild my credit nor can I make any purchases because creditors state I have $ 68,000+ in outstanding debt. 
I was looking through some old email and I actually got charged a XXXX by BOA ( as income to me ) for that debt back in the day too. So I have been charged and this is still not being reporting accurately on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation