milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/20/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan Servicing took over my mortgage, and has raised my mortgage payment by more than $ XXXX/month for tax escrow reasons that are untrue. I paid my taxes. I have proof. I have sent this proof to Ocwen by fax, by mail, by certified mail, by phone, by e-mail. They keep raising my monthly rate to the point where I am perpetually behind on my now $ XXXX/month mortgage! I can not pay this rate ; I never signed up for this. Ocwen does n't help ; they just harass me day and night and constantly threaten to foreclose on my home. I am working XXXX jobs, seven days a week. Ocwen is run by criminals! Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Servis One, Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: mortgage service company ( BSI Financial Services ) is not disbursing insurance funds for repairs caused by a faulty appliance. I have attempted to contact BSI 's loss mitigation office on 5 separate occasions and was told they do n't have the necessary files and that they have recently taken over the handling of the loss. I was asked to call back in a couple days and this has gone on over two weeks. I requested they expedite the matter and was told they had no information and to call back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Debt collection (Medical) with Credence Resource Management, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received an EOB from my healthcare provider, I spoke to the debt collector Credence Resource Management who told me to pay the amount I owe as per the EOB and Email them the EOB. I did this, and am now still being chased for extra money I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: We sent in a Loan Modification application on XXXX/XXXX/2015 to the lender, Bank of America. at that time, they had a sale date scheduled. we requested a postponement to allow a review and it was pushed out to XXXX/XXXX/15. we waiting for over XXXX weeks to get an update, calling weekly, only to be dropped into the voicemail of a XXXX XXXX who was the assigned SPOC. he never returned our called. we sent in updated documents on XXXX/XXXX/15 along with a Notice of Error, QWR, and Demand for Response - XXXX Days. As a result, the sale date for XXXX/XXXX/15 was canceled. we continued to call for an update and were told on XXXX and XXXX by different agents that the file was in review and no docs were needed and there was no sale date set. We received a letter from the Counsel for BOA on XXXX/XXXX/15 that there was a new sale date set for XXXX/XXXX/15. we sent another Notice of Error citing that BOA told us the file was complete and in review so no new sale date should have been set without explanation or cause. on XXXX/XXXX/15, we spoke to XXXX XXXX who stated that the file was incomplete since XXXX/XXXX/15 and that he called XXXX times. the number he called was out of service, which he acknowledged. he knew we were the counsel for the borrower and I asked if he had our number. he said he did but that " we do n't have to call you if we do n't want to ''. we were floored by this attitude and lack of consideration. he also said the file was closed on XXXX/XXXX/15, XXXX day after we were told the file was complete and in XXXX review. as of today, we have sent in all of the requested documents BOA claims were requested, they were faxed and email on XXXX and XXXX for good measure. this is a gross mismanagement of the review and Loan Mod process and we insist that the sale be postponed and/or canceled to allow for a proper review.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/26/2017 about Credit reporting () with EQUIFAX, INC. (DE).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX These address do not belong to me my address is XXXX just like it is listed on my credit report. Anything else other then what I stated above do not belong to me and is not my address.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Ray Klein, Inc. (AL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I sent a written a communication to this collection agency. The letter was returned through postage stating address unable to find. No ability to dispute claim given.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Mortgage (FHA mortgage) with CITIBANK, N.A. (MA).
Issue: Struggling to pay mortgage

Complaint: I sold our home had a buyer Citimorgage could not get the amt of pay off correct I got an extension from my buyer they still could not come up with the correct amt even after I sent them copies of there paperwork, I was in chapter XXXX I went to the trustee and he release the house for me to sell in again then Citi sep in and foreclosed, i got an attorney to ask for them to give me 90 days to resell the house my broker sold it the first time in less than 20 showing and we had people still interested they said no and that was as far as I could get because I ran out of money for an attorney.went to court had n agreement which they have not kept and I have to be out XXXX XXXX my husband is XXXX and I am over XXXX I do n't know wwhat else to do then at the foreclose sales the number they had was different than they gave me and sold it for more.

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 03/24/2017 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Problems caused by my funds being low

Complaint: Citizens Bank went into my checking account and withdrew {$300.00}. they said was a Chargeback. 
First they told me there was nothing they could do. Sorry ... .... 
Then when I pressed, they cited {$100000.00}. that was released in my bankruptcy in 2010. They told me they had no record of my bankruptcy and were simply collecting their money. 
Because of their removing money, I bounced my car insurance check. Awesome!!!

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The credit bureau is reporting that I owe {$410.00} for an account under the name "  XXXX    XXXX     XXXX    XXXX   XXXX   ''. My report shows that it was opened in  XX/XX/XXXX  with an account number of "  XXXX  ''. I have never had any business dealings with this company and do not understand why this is being reported to my credit. I have never received any bills or letters in the mail explaining that I owe this debt or even why I owe it. This is not my account and I do not have a delinquent debt with this company. I have disputed this with the credit bureau numerous t imes ( si nce  XX/XX/XXXX   ) only  to receive bogus responses saying that the account has been verified? I 've done research of my own and I even called this company using the phone number provided in the credit bureau response letters. The representatives I have spoken to can not find an account that matches my personal information. Clearly something is not right. I need this to be addressed immediately. It should not take this long to conduct a proper investigation and confirm that this account is not mine.

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 10-07-2016 about Credit card () with Synovus Bank (MA).
Issue: Billing disputes

Complaint: This account was closed 1 year ago and with a XXXX balance. I received my full security deposit from this company. Since that time they have hired XXXX company to pursue undisclosed charges. Not once did the company a specific date or transaction yet added a new balance of {$200.00}. I 've since become permanently XXXX and notified XXXX XXXX and XXXX XXXX of my exempt from collection attempts at my home or phone. XXXX XXXX has ignored the request to stop harassing me and continues aggressive collection attempts and still sends statements in an account that was close in XXXX 2015 one year ago

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/17/2017 about Debt collection (I do not know) with Convergent Resources, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Convergent Outsourcing sent me a letter stating I owe for a XXXX account without any dates or information that helps identify the debt. I has a so-called Original Account number on it, but when I called XXXX they had no idea what the account number Convergent provided goes with. I have not been getting any letters from XXXX nor have I had an account with them for about seven years. I had some issues with them at one point but I paid that account off in full and any outstanding checks from it as well. This is not a valid debt and I believe Convergent is in the habit of " farming '' old debt records in the hopes of fooling people and getting money from them.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: After filling application for XXXX, XXXX XXXX XXXX XXXX on XXXX, a Renter 's Report showed XXXX judgments against XXXX XXXX, who is not me. Both by XXXX XXXX XXXX, XXXX XXXX, CO. The XXXX filed XXXX case # XXXX and the XXXX filed XXXX case # XXXX both against the plaintiff, XXXX XXXX. Records will show I was living in my mortgaged home, XXXX XXXX XXXX XXXX XXXX, NV XXXX from XXXX to present and working at XXXX XXXX in XXXX XXXX from XXXX to present. I keep all of my pay check stubs including all from XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX. I am NOT the plaintiff XXXX XXXX, I have never even gone by that name. 
Please remove this inaccurate and erroneous information from this and other credit reports. 
Thank you, 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 explanation
Consumer complaint received 11/20/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: I had submitted a prior complaint under case number XXXX. 

I had signed up for a citigold checking account promotion ( promo code XXXX ) where i was promised XXXX thank you points if i opened an account as well as participated in bill pay. After submitting proof of a citi chat rep confirming i had met the requirements, and would receive the bonus. I had then received the following respone from citi through the CFPB : Citi Bank said : Explanation of closure XXXX XXXX, please accept my sincere apology for the inconvenience you described surrounding your attempt to participate in a new account promotion to potentially earn Thank You points. Our goal is to ensure that all of our clients are provided with the highest level of service and we regret that you found cause for dissatisfaction under any circumstance. I assure you that our marketing strategies are certainly not intended to mislead you, or any potential client. Citibank, like other banks, periodically offers promotional bonuses to deposit account applicants to attract new banking clients. In order to conduct our promotions in a manner consistent with sound business practices, we may customize offers by direct mail campaign initiatives to select individuals, in addition to the requirement of the standard terms and conditions that Citibank discloses for its promotions. 

In our review we found that the offer in question, promotional code XXXX, was not directed to you. However, Citibank fully respects any obligations made to you in the chat conversations you had with our Customer Service agents. Therefore, we are prepared to honor your request and the XXXX Thank You points ; however, your enrollment to the Thank You Reward Program is still pending due to not receiving your completed XXXX form for your account. Once the Form XXXX has been received and processed then we can enroll you in Thank You and credit the Thank You points to your Thank You account. We anticipate that the Thank You points will be available in your Thank You account within the next 60 days as long as your Form XXXX is certified successfully. 
Relief Non-Monetary relief granted of XXXX Thank You points pending Form XXXX is certified successfully. 


I also received a hard copy letter from XXXX XXXX of the Executive Response Unit on XXXX/XXXX/16 informing me i would receive the XXXX thank you point bonus as long as i filled out a XXXX form. I had a form, sent to me which i filled out, and sent back, as well as cconfirmed i am signed up for the Thank You rewards program through the citigold website.

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 04/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I applied  Citi Hilton H  Hono rs visa c redit card by online from  XXXX  on   XXXX   XXXX   and Citibank  accepted my online application, and send me visa card #    XXXX  ending, only reason i applied they offered  XXXX  points promotion online ; earn  XXXX   XXXX   XXXX  honors bonus point, after making $  XXXX  in purchases the first 3 months of account opening, so i already spent $  XXXX  then i asked my promotion points from Citibank, but they denied several times, i called them several times, i faxed their promotion offer copy which i printed from Citibank web page  XXXX  and i mailed either, so far i can not get  XXXX  points.   they manipulate the customers and they lie about online marketing  XXXX  points normally cost $  XXXX  cash value, please help me get my points as they promised on their online offer, i have Citibank web pag  e print i can send you if you need it.
This is a online marketing manipulating & corruption from Citibank.

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 10/31/2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: All of the medical on my credit report should not be there I have spoken with each individual who placed them on my report and they agreed that their billing department did not send my balances through my secondary insurance which they have since done and I owe them nothing now, they admitted they made the mistake so I would like any and all of my medical reports taken off my credit report. XXXX already removed them from their site Equifax has not done so yet which is impacting my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: They still have old information XXXX on my credit. I no longer have a file with them so it is wrong they have it on my credit. Not only they have fraudulent collection on my credit for a credit card I never used with XXXX XXXX XXXX. They refuse to deal with that fraudulent information as well that XXXX is not my charge and if they would do their investigation and call bank XXXX they would see it 's a fraud case and XXXX XXXX XXXX was sending my statements to somewhere in fl and I live in ny. I posted valid information below.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/31/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Other

Complaint: CFPB complaint XX/XX/2016 This is request for Capital One Bank ( USA ) , N.A . for the address to send a credit reporting dispute and request investigation, of a master card, credit card issued by creditor/furnisher, Capital One Bank ( USA ) , N.A . reporting on my credit report. 
You website stated the following : " In addition, because Capital One does not have a designated custodian of records, a subpoena must be directed to the Capital One entity that maintains the requested records. The primary Capital One operating entities from which records are customarily requested are Capital One Bank ( USA ), N.A., Capital One, N.A., and Capital One Auto Finance. Capital One Bank ( USA ) , N.A . offers credit and debit card products, other lending products and deposit products. Capital One , N.A . offers a broad spectrum of banking products and financial services to consumers, small businesses and commercial clients, including traditional banking and credit card products. Lastly, Capital One Auto Finance, a division of Capital One, N.A., offers automobile financing products. ''

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I Have disputed items with the creditor, after sending several letters to the creditor and never receiving any response from the creditor. They are in violation and have no verified or deleted the information. 
I have also disputed this same information with all XXXX bureaus and yes they have failed to investigate or remove these items. 
neither the creditor or the bureau have followed the FCRA and i want this information removed an I want an investigation against the bureaus and the creditors.

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 03/16/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Portfolio Recovery Associates is trying to collect a debt they bought from XXXX and they are no longer Licensed to operate in the state of Missouri

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Trouble during payment process

Complaint: I was approved for a line of credit on  XX/XX/XXXX  and closed on   XX/XX/XXXX . I t ook {$20000.00} to pay student loans and no other monies were to be disbursed. I never used the line of credit money and have been paying on it since. I received a letter saying my payments will be going up to {$840.00} in  XX/XX/XXXX . That is how I found out that this money had been taken years ago. I reached out to Bank of America ( BoA ) and received a letter saying that an ATM card had been issued on that account in my name 13 days prior to closing on  XX/XX/XXXX  and used to withdraw {$75000.00} on  XX/XX/XXXX . The letter also states that debit cards are mailed within two business days but this was not the case. I would have finished paying off the {$20000.00} by now but now BoA is expecting me to be responsible for the other {$75000.00} that was stolen. The house is only worth half of that and I ca n't even sell it to pay off the loan.
I reached out to BoA but they have n't been very cooperative. Fraud has been committed against me and I need them to send me copies of documents.
1 ) I need a complete copy of the original closing documents including the 3 day right to rescission form 2 ) Who ordered the debit card on  XX/XX/XXXX  before account was opened 3 ) Who authorized/signed off on the {$75000.00} withdrawal. I was told that money is n't available that quickly I would like this information as soon as possible so I can proceed.
Thank you for your assistance.

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 06/29/2015 about Credit card () with PAYPAL HOLDINGS INC. (CA).
Issue: Unsolicited issuance of credit card

Complaint: Pay Pal put a TRICK credit card authorization in the middle a routine ebay transaction and opened a credit card account that I did n't want or even know I approved. They wo n't close it or take it off my Pay Pal Account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/27/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XXXX XXXX 2017 there were two unauthorized withdraws of {$500.00} out of my account. Chase sent me a text asking me if I just made a withdraw of that amount, I immediately replied " no ''. I filed a claim with with them, and They later closed the debit card and issued me a new one. Meanwhile I gave them all the documents proving that I was at work that day in XXXX XXXX XXXX while the transaction occurred in Virginia. Two weeks later they credited my account for the total that was stolen only to reverse it two weeks later saying that the transaction was authorized.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-02-2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Making/receiving payments, sending money

Complaint: visited bank to requested a voided check and was accosted to apply for a credit card - informed sales agent I was concerned that credit application would place another " hit '' with an inquiry to the bureaus with my application. Agent informed me this inquiry plus the others I suggested concern about were " soft '' inquiries and would not show up OR affect my credit score. Shortly after being denied for a few more applications, I found out this was not true. BOA '' refuses to amend this credit application to inform the bureaus that it was invalid.

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