milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/28/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: date : XX/XX/18 Chase bank will not release transactions occurring in the pending pay period with basic documentation ( name + last 4 digits of account number ). They require 7-day turn around time to release this information. 

The impact this has to me personally : I have a {$5000.00} business expense that I am unable to get reimbursed for an additional 30 days. Based on timing, this will force me to either pay the {$5000.00} credit card bill with my own funds without my company 's reimbursement or pay additional APR.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Debt collection (Medical) with Evergreen Financial Services Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: We have a medical co-pay being billed to us that was paid via debit card at the time of service. The date of service was XX/XX/2016 for XXXX. It was a charge for my daughter. The hospital kept trying to collect this from me multiple times. Each time I would get a letter I would call the hospital and they said " they would work on it ''. Well almost a year later I get a letter from Evergreen Financial Services saying to pay the {$30.00} dollar co-pay or get a judgement. I was mad to say the least! I sent in a copy of my bank statement showing the amount debited from my account on the day of service from their client. I called back to see if they received the proof of payment and now they have to talk to the client to make sure this is ok? I paid this money. I have proof! That should be the end of it!!! This is so unprofessional I do not know what to do. So this is the action I am taking. I will keep fighting this! I know it is only {$30.00} dollars, but it is about principle now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Fay Servicing, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I called Fay Servicing and they said they received the loan modification packet and it is in review. I informed them that I have a sales date on this coming MONDAY XXXX XXXX, 2015. I was connected into the recorder of the person named " Grant '' who handles my file but he was not there? So I left a message! 
DUAL TRACKING -- DUAL TRACKING : By failing to adhere to both California law and the rules under CFPB, The party ( XXXX ) complained of in my initial complaint are not compliant with rules regarding dual tracking. The Parties are " covered '' under both California Homeowner 's Bill of Rights and the CFPB 's strict guidelines. 

I have a valid and complete loan modification package that has been acknowledged as received and no notice of deficiency of documentation has been received by me. I just received another Notice of Trustee during the pendency of my application. 

The Parties have also failed to respond to the initial complaint with competent and reliable evidence that supports all facts contained within all recorded title documents that were used against my contract rights. Specifically, the assignment ( s ) of deed of trust to an un-verified entity, Notice of Default, Notice of Trustee Sale. No authenticated evidence has been offered by the offending Parties by any person with personal, first-hand knowledge of those facts. I am not in default to an unknown, un-authenticated party that is currently in my chain of title without competent evidence to support the beneficial interest. 
Please inform Parties as to their deficiencies. 
Sales date : XXXX/XXXX/15Loan number : XXXXFay Servicing, XXXX XXXX XXXX, XXXX XXXX, IL XXXXFay Servicing Account number : XXXXTrustee : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MN).
Issue: Rewards

Complaint: Signed up for promotion between American Express/XXXX and XXXX via XXXX and American Express XXXX XXXX. Followed signup requirements, but American Express/XXXX did n't credit account after numerous contacts with the company. Via websites, this promotion had numerous issues that American Express/XXXX is loathe to fix.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ID).
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: On XXXX I submitted certified letters to the credit reporting agencies XXXX, Experian and XXXX to investigate a mortgage being shown on my credit report. I also submitted a certified letter to the mortgage lender XXXX. I received responses from the credit reporting agencies but not from XXXX. The credit reporting agencies said they were not able to make any changes to my credit report. The mortgage is causing my credit score to be impacted severely due to late payments. The mortgage should be solely listed under my ex-husband and not under my name as I have not been responsible for it for over 6 years.

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 01-09-2018 about Mortgage (FHA mortgage) with AMERICAN PACIFIC MORTGAGE (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: APM FUNDED AN UNINSURABLE LOAN On or about XXXX I applied for a refinance of my RanLife FHA with American Pacific Mortgage. I closed on the refinance on or about XXXX/XXXX/XXXX. On or about XXXX XXXX I was informed that there was an error in my title paperwork ( a date that was dated after some critical date it should have been dated before ) and all I was told was that a ) it was impossible to re-sell the loan on the secondary market (? ). I was told it was a " scratch and dent loan '' ; and b ) APM would have to service the loan itself. I paid 11 months mortgage payments to them without receiving benefit of a positive credit line. 

APM WOULD NOT WRITE OUT OF UNINSURABLE LOAN On or about XXXX XXXX, APM said they wanted to re-finance my loan to be able to " write me out of an FHA '' to drop the PMI. On or about XXXX XXXX they told me that not only were they unable to refinance me into a conventional loan ( even though I am appraised well over 80 % ). They blamed the fact that I have a HERO loan and they could not " do a conventional loan '' on the loan, but they also could not do an FHA streamline either. The rules on FHA not refinancing did not change until XXXX XXXX and HUD said any loan pulled within 30 days of their XXXX XXXX announcement would be okay for a HERO or PACE loan. APM has elected to do neither. 

FHA SAYS I DO NOT HAVE AN FHA LOAN BUT BANKS SAY I DO This brings me to my biggest legal issue ; do I have an FHA loan or not? FHA says " no '' and I have called them twice. Another lender pulled an FHA case number for me. This means I have an uninsurable FHA loan which no one ( and I am assuming APM knows this ) else will touch because its not FHA insured in the first place. Moreover, I am supposed to have an assumable loan, which it is not, and I certainly can not apply to FHA if I have a case that is uninsured.

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 02-09-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen purchased my loan and attempted to shorten my contractual grace period from 15 days to 10 days until I sent them a copy of the mortgage document. Every single month Ocwen asks me to register my computer, which their website ca n't seem to store. When I attempted to pay last month 's payment online through their website, I was forced to verify my email. My email has not changed in over 10 years, since before the intitation of this loan. When I attempted to complete the transaction, I received an error message including 'please try again later ' This went on until I could no longer pay through the website within the grace period. I initiated a bank payment, which I am fully aware is transmitted within 24 hours, yet Ocwen did not credit it as received until the grace period expired. I am sick of their fraudulent activities in attempting to violate grace periods and extort undue payments from consumers by manipulating the website code. There are XXXX 's of online complaints about their practices!

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I applied for a Citigold Checking account under the promotion code XXXX. I met all of the requirements on XXXX/XXXX/2016 and the XXXX XXXX should have posted within 90 days, which would be XXXX/XXXX/2016. I have been in contact with Citi via secure messaging since XXXX/XXXX/2016, but keep getting told that they are still reviewing my case.

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 03/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hello, This company is continuing to request payment for accounts that I do not owe on. {$140.00} from XXXX on behalf of XXXX 
These were previously disputed with other agencies as well. So, since they were blocked from trying their scams with those CRAs, they have moved over to TransUniion. This needs to be removed ASAP. I am unaware of the accounts and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). We both know they are the source reporting this account and have the absolute right to report it, not report it, or delete it from all reporting agencies. They refuse not to. There has been previous take down requests to which they have replied, done so, and resubmitted the debt. Over and over. They wait for a small period of time and then resubmit, thinking it will not be noticed. I will contact the Attorney General AS WELL against TransUnion and in their respective state and both of these companies if this is not resolved NOW! 
I 've never had this type of trouble before with TransUnion. My report with them has always been clean. I 'm suprised TU! 
ALL references regarding this account must be deleted from ALL reporting agencies. -- 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 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Ive reached out to all three ( XXXX, Equifax, XXXX  ) credit bureaus containing to fraudulent inquiries on my credit report. Ive sent them all documents theyve asked for in the last four months and still nothing has been done to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I reported XXXX accounts that are showing up on my credit report with Experian. Both accounts were investigate by Experian with a final notice posted on my credit report for XXXX public records as : This item remained unchanged from our processing of your dispute in XXXX 2017. 

I would like to know the method of validation Experian is using for these XXXX public records, including the name of the company and person they are confirming this information with. They are not taking the necessary lengths to verify inaccurate information on my credit report and it is causing me financial harm.

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 07/18/2017 about Vehicle loan or lease (Loan) with Westlake Services, LLC (NH).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I have an automobile loan with Westlake Financial. I have been making the regular payments, some on time and some late, it was never an issue. At approximately   XXXX   on   XXXX   XXXX  , 2017 they had   XXXX   XXXX   Repossess the vehicle. Upon leaving our property the driver of the tow truck drove approximately 40 miles in the opposite direction of the final holding location in  XXXX , NH. I know this because we have a vehicle tracking device installed. You do not need to drive west, north, east then south to get to a location that is east of where I live, unless you are trying to charge more for mileage At   XXXX   I called Westlake and was told I would have to pay the past due payments and all late fees on my account, plus the repo & storage fees in order to get the vehicle back. This amounted to {$1500.00}. They also told me I had 3 days to pay it or the vehicle would be sold.
I asked them to waive the late fees or put it on the end of the loan and was told that they could not do that, but that they could put the {$350.00} repo fees on the end, which would bring the amount to {$1200.00} which I paid on   XXXX   XXXX  , 2017. I was also told the storage fees would be {$30.00} total, but now I am being charged {$60.00} because Westlake took there time They also insisted that I give them all the same information references, proof of income and residency again. This is information that they were given less than 2 years ago at the onset of the loan.
They did not release the vehicle back to me until   XXXX   XXXX  , 2017 because they had n't scanned my information into the computer the day prior. Lame excuse.
When they applied the money to my account they put it on only payments and not late fees, storage or repo fees. They applied it towards past payments and the   XXXX   payment which was due on   XXXX   XXXX  . It covered all but {$22.00} of the   XXXX   payment, on   XXXX   XXXX   they started calling me in regards to the {$22.00} being past due. Seriously.
Then today  XXXX / XXXX /17 I received a letter in the mail from them " Notice of Intent to Sell '' which was dated on  XXXX / XXXX /17, 3 days after the vehicle was released back to me. I immediately called Westlake and was told well the letter was actually printed on  XXXX / XXXX /17 regardless what day the claim to have printed it does not matter whereas it was released on  XXXX / XXXX /17 so why print and mail the letter at all. I was told to disregard the letter by the person that answered the phone, but I am concerned They also robo call you when your payments are late. They also call at all hours of the day and night, multiple times per day on both my cell phone and home phone.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (CA).
Issue: Application, originator, mortgage broker

Complaint: I was working with KEEP YOUR HOME CALIFORNIA about my home mortgage and they requested a mortgage statement and they refuse to send it to me and to me and KEEP YOUR HOME CALIFORNIA therefore I just got call from KEEP YOUR HOME CALIFORNIA that they denied me because of not getting the the document they requested. 
what happened to my case with KEEP YOUR HOM CALIFORNIA is souly SLS fault fault for refusing to send the document needed. 
I need immediate action befor SLS take my home.

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 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Problem with fraud alerts or security freezes

Complaint: Companies : XXXX, XXXX, and TransUnion Dates : XXXX 2017 Following the XXXX data breach, I have attempted to freeze my credit with all three agencies. I have run into broken websites that ca n't verify my identity, long hold times, and hangups on their customer service times. 

But more importantly, I did not CHOOSE to be a customer of theirs, and yet in order to put a security freeze on my credit, I must PAY THEM. This is extortion. This service should be opt-in. When someone opens a bank account, credit card, or loan for the first time, they should be able to opt-in to this service and opt-out at any time. 

Americans are clearly not the customer, they are the product being sold. And yet somehow also we must pay for it.

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 12-08-2016 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan Servicing , LLC has had control of our HELOC since GMAC went out of business. 
With XXXX years left on the loan, they have multiplied the amount due each month by 800 % in addition to increasing the interest rate. That is bad enough, but we can live with that. However, the payments are due on the XXXX of each month, with a XXXX day grace period to pay. Because we are educators, our paychecks are direct deposited on the first of every month, so we schedule payments on the XXXX of each month. ( this is within their " grace '' period. But we still receive past due notices that are automatically generated on the first of every month. Ocwen states that they have " no provision '' to change the payment due date. This is ridiculous- credit card companies do this on a regular basis without a problem. As a result of their incompetence, our credit scores have been plummeting due to " lack of recent installment loan information. '' We make the payment that is due each month and we do so within the given time frame. This is yet another indication of Ocwen 's shady business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Debt collection (Payday loan) with CURO Intermediate Holdings (MO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I do n't recall signing any contract with a company with this name. I do n't recall this debt being verified. Do n't recall getting proof with a contract or signature. I requested that they provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent and did not receive the information requested.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Debt collection (Auto debt) with FC HoldCo LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Theres a car loan on my credit that I never signed an agreement with, from 2013. Im not sure who the company is.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2015 I received a phone call from my mortgage company Citifinancial. They told me that I was missing a payment for XXXX of 2015. When they took me through their payment history i had actually made the payment on XXXX XXXX. They told me they would credited that payment to XXXX. A couple of hours later I received another call this time they said I missing a payment from XXXX of 2015. I went through my bill pay for the month of XXXX and seen that it was deducted from my bank account on XXXX XXXX. When i relayed this information to them i was asked to fax a copy of the canceled cashiers check that my bank uses for bill pay. I did this. i received three calls on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. With each call I had to retell about the faxed copy of the alleged missing payment. On Wednesday XX/XX/XXXX I was informed that a ticket had been made to research the missing payment and they would have an answer for me on Monday XXXX XXXX. I have received calls twice daily Monday and Tuesday urging me to make a payment because my account is in collections. Tuesday XXXX at XXXX XXXX XXXX I received a call and immediately asked to speak to a manager her name is XXXX . She asked me for a payment also but this time it was for a missing payment in XX/XX/XXXX. I then asked how this payment keeps changing months so she suggested we backtrack through my payment history. We went through from XX/XX/XXXX to XX/XX/XXXX but this time she came up with that missing XX/XX/XXXX payment. I asked her to read the notes made and it says that this matter is being investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Platinum Holdings Group, LLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Received a call from Premium Assets Services about a very old account that they wanted paid from a Jewelers. I was told that they wanted to have this account closed by the end of the year and whatnot, I told them I had no way of paying it. They threatened to take legal action and was very verbally abusive after I asked them to not call my Mother 's residence. XXXX XXXX was the joke of a man that I was speaking with, and started saying how well your Mother thought she was raising a good citizen, but obviously that 's not the case here. I am furious and my Mother is elderly and sick and does not need this whatsoever. I am a grown adult and my finances and money troubles are my own.

Company response to consumer: Closed