milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have unauthorized credit inquiries on my Equifax report. These inquiries were not authorized by me and I do not have any accounts attached to these companies. These fradulent inquiries are affecting me tremendously in my journey to improve my credit for me and my kids. They are the following : XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX  XXXX/XXXX/XXXX XXXXXXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX I was no longer able to pay for my mortgages on my vacant house in XXXX, New Mexico. This house had XXXX mortgages : the first with OCWEN, the second with XXXX. I attempted a short sale on the house and was unable to sell it. I filed for a Deed In Lieu of Foreclosure ( DIL ), which OCWEN granted, provided I clear the lien with XXXX. 

On XX/XX/XXXX I was able to provide OCWEN with an acceptable Settlement Agreement from XXXX so that OCWEN could settle the second lien. That Settlement Agreement expires on XX/XX/XXXX. OCWEN sent me a DIL packet, which I returned on XX/XX/XXXX. On XX/XX/XXXX, I called OCWEN for a status update and was informed that my DIL application had already been denied ( as of XX/XX/XXXX ) because an entity in the chain of mortgage servicers, namely XXXX Mortgage, was out of business and presumably might still have an interest in the property. 

Upon digging through my document archives, I discovered that XXXX Mortgage had initiated a loan with me, which it transferred to GMAC Bank on XX/XX/XXXX. Per common knowledge, GMAC subsequently went out of business and OCWEN purchased its loans. So, the point here is that OCWEN had denied my application because it failed to recognize that XXXX Mortgage was a servicer on the very loan that OCWEN is now servicing! 

I provided OCWEN with supporting documentation on XX/XX/XXXX and informed OCWEN of the situation. Since my request had been denied, I had to wait for an OCWEN agent to be assigned back on to my request. I have reminded OCWEN multiple times that my Settlement Agreement with XXXX expires on XX/XX/XXXX. I have requested several times that OCWEN expedite this DIL. 

My Settlement Agreement with XXXX is about to expire and I do n't think that OCWEN is working in good faith on my request. In my most recent interaction with OCWEN on XX/XX/XXXX I was informed that I may have to extend my agreement with XXXX because no guarantees can be made about the speed at which OCWEN can operate.

Company response to consumer: Closed
Consumer complaint received 08/16/2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (TX).
Issue: Incorrect/missing disclosures or info

Complaint: On XXXX XXXX, I received a request for funds from a relative in XXXX who needed it for an emergency on the following day. I had not sent money to this relative in many years, so I had to fill out a form with Western Union to be able to send the money. When my relative tried to cash the money transfer, he was denied the funds, but not given a reason why. When I got involved, a representative told me that either he submitted an official ID through e-mail to western union ( XXXXXXXXXXXX ), fax it, OR we had to send a letter of explanation to Western Union with a picture of my signature. There were problems with both options : my relatives in XXXX do not have the technology or the know how to e-mail the picture ID, and the letter of explanation had to be accompanied with many details I do not know about my relative, and that I know well he would n't be willing to give me. These were facts such as date and place of birth, occupation, address, etc. I must mention here that while I have a moral obligation to assist this relative, our relationship is not the best. So I decided to cancel the money transfer, with the intention to re-send it to another mutual relative who is in my Western Union profile and receives money transfers without any difficulty. She could in turn deliver the funds to the original intended recipient. This is the part with which I have a problem : Western Union stated that that was n't an option at all. How is that possible? Either my estranged relative submitted an ID, which I was not even sure he had, and he stated that it would be too difficult for him, or I submitted the letter of explanation. Else, according to Western Union, they would keep the funds for a year and then submit it to the Treasury Department. 
This defied any sense of logic. It was my money and I simply wanted to cancel the transaction. I called back to seek an explanation ( was it a regulatory requirement or simply an internal policy? What gave them the power to simply keep my money? ) I was NOT given a reasonable explanation. Their explanation was basically " that is the process. ''

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Credit card () with DISCOVER BANK (AZ).
Issue: Billing statement

Complaint: I have had an automatic payment set up for the XXXX of every month since 2010. I have paid over the required payment every month. On the XXXX payment I changed the amount to the minimum payment due for financial reasons. Discover is telling me because I changed the amount of the payment it changed my due date the XXXX of the month. I was never notified of this change. I have always known that after the XXXX of the month all my bills are paid and what is left is mine to survive on for the month. Discover did not try to take the payment until the XXXX of the month. They continued to try on the XXXX and the XXXX. Since I get paid on the XXXX of the month there were no funds in the account. They caused XXXX overdraft charges plus a {$.00} foreign transaction fee costing me {$75.00}. They refuse to refund this amount to me due to their uncharacteristic change of due dates on my bill. I could not access my account due to my computer being down so did not realize this had happened until today.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-01-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Application, originator, mortgage broker

Complaint: In acquiring a second mortgage loan on a New Jersey shore condo, I sought out Bank of America, as I have had prior mortgages and accounts with them. Although the process seemed to drag at times, due to the loan officers unresponsiveness, the closing date was approaching fast. The week before closing, I received an email from the loan officer, NMLS ID XXXX, stating that the condo was non-warrantable. This was after I paid for the appraiser to assess the condo. After receiving the email, I responded back as well as followed up with numerous phone calls, which went unanswered. He finally reached out 6 days after sending me the notice. At times during the process, I wondered if he knew what he was doing based on the lack of communication, days of no response from voice mails/ emails, asking for information already sent and having me pay for an appraisal without even checking if a loan can even be obtained for the condo. I had asked to deal with his manager, in which was not contacted by one, and my continually request for a refund or appraisal reassignment is going nowhere.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MI).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: I tried several times to contact the company to get assistance with paying my credit card bill and lowering and/or removing fees during my time of a financial hardship due to loss of income, but have not been able to speak to anyone at the company for any help.

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 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have tried since XXXX for the bank XXXX XXXX to delete the mortgage that my ex has from the credit report. This was a second home that we purchased in XXXX as a vacation home. This is not my ex main house. He always have lived in another home. We purchased this with XXXX XXXX in XXXX. I have never signed any papers with XXXX XXXX and when the mortgage has defaulted several times I have attempted for XXXX XXXX to take me off the property since the judge when I got divorced gave this property to my ex and it is stated in my divorce papers that I am not responsible for this place as of XXXX XXXX. Divorce papers filed at the court house in XXXX XXXX XXXX XXXX case # XXXX XXXX. Now in XXXX my ex did a modification of this mortgage and without my knowledge or consent XXXX XXXX did the modification putting my name as married to XXXX XXXX. In XXXX XXXX XXXX was already married to somebody else not me and I am married to somebody else also and I am not responsible for this property per court papers. I have tried for several years for XXXX XXXX to removed me completely without any luck. XXXX XXXX XXXX owes me {$50000.00} alimony from the divorced date until I got remarried, so I have a lien in this property for that amount. Also is showing in my credit report that I am living in all these places where XXXX XXXX live and I do not know who is reporting that if it is XXXX XXXX since it is the only thing that unfortunately still being attached to me after 15 years divorced. XXXX XXXX says that I will need to find a lawyer if I want this resolved. I had a lawyer and went to court and this should have been taken care of since XXXX I am also including all the addresses of all the places that the consumer report has me living.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have disputed many times on my own and used a credit report repair company to have the inquires deleted from my Transunion report and no success at all. Here are the following inquires with the reported dates that do not belong to me at all ; 1-XXXX XXXX XXXX XX/XX/XXXX, 2-XXXX XXXX XX/XX/XXXX, 3-XXXX XX/XX/XXXX, 4-XXXX  XX/XX/XXXX, 5-XXXX XX/XX/XXXX, 6-XXXX XX/XX/XXXX, 7-XXXX XXXXXX/XX/XXXX. I did not authorize any of these companies to pull my credit.

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
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: " The story concerns the Pick-a-Pay loan program, one of the more toxic mortgage offerings during the housing bubble. These loans offered a variety of different initial payment options for borrowers to choose : a sum corresponding to a 15- or 30-year fixed rate loan, an interest-only payment, or a minimum payment that created negative amortization, where the principal balance would actually increase with each passing month.
Borrowers naturally trended toward choosing the lowest payment. But they were never told about the implications, and when the pay option expired, their monthly mortgage bill would skyrocket, usually leading to default.
These were not loans, but neutron bombs with a long fuse. And roughly half a million borrowers took these Pick-a-Pay loans under false pretenses from  XXXX - XXXX .   XXXX   XXXX   and its subsidiaries sold the loans, but when   XXXX   XXXX   bought  XXXX  at the end of  XXXX , they assumed responsibility for them.
Homeowners began to complain when the payments shot up, and law enforcement started investigating as well. Because Pick-a-Pay loans were designed to fail, and because  XXXX  never disclosed the consequences,   XXXX     XXXX   was liable for violations of multiple consumer fraud statutes. '' My Complaint : Even to this day your company allows   XXXX   XXXX   to continue to stand behind their predatory lending practices, but what they have not provided are a few facts about my case that I think they should know. I initiated litigation proceeding against   XXXX   XXXX   back in   XXXX   XXXX   when their predatory lending practices came to light. The home equity loan was an instrument of Wells Pick-A-Payment home loan, which was transferred in   XXXX   of  XXXX  under Account  XXXX  while litigation were still proceeding and without notifying me or my attorney of this critical piece of information. Critical, as the loan transfer released the primary home as collateral positioning Wells to continue there ruse of a home modification in the works while clearing away any foreclose obstructions. my home was then foreclosed on a short time latter as there was no modification being worked out, so you see you 're being duped just as I was and your now going on record as supporting loan that was identified by the Attorney General of multiple states as a predatory loan ... Congratulations!

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Debt collection (Payday loan) with Zenith Financial Network Inc (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They have called and not left a message 4 times today alone. Three calls from XXXX and once from XXXX. When I called both numbers back and complained about their harassment, they got verbally aggressive and loud talking over me and then hung up on me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Bank account or service (Checking account) with TCF NATIONAL BANK (MN).
Issue: Problems caused by my funds being low

Complaint: I have an account with TCF.I had about XXXX items hit ( all under {$25.00} ) and they were deducted from my available yet still in pending.This brought my balance down to {$90.00}. A check hit for {$120.00} causing me to over draft.At this point I knew I would have one fee as I was unaware my daughters daycare was taking that out, but that was ok.The next day I received my daily email from TCF stating they were assessing my XXXX overdrafts as they sat on those other charges for 5 days! Even though they deducted them from my balance they added them back, then added the overdrafts THEN an the charges. These had already been deducted form my balance at this point.So they went back to assign me fees.I have never seen anything like this in my life and it seems very unethical.After that they went on to charge me XXXX more!

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 04/27/2015 about Credit card () with SYNCHRONY FINANCIAL (PR).
Issue: Closing/Cancelling account

Complaint: I bought a crystal table from an exhibitor at Sam 's store in XXXX, XXXX XXXX, through Sam 's Credit Card. When XXXX invoice arrived, Iwent to the Store and paid cash full amount. At this moment, 10 years later, the Store still charges me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Making XXXX XXXX payments of XXXX to BOFA XX/XX/XXXX, XX/XX/XXXX, XX/XX/2015. My old regular payment was {$1100.00}. The old payment was still in my XXXX bill pay and went out my mistake on XXXX XXXX, 2015 and XXXX XXXX, 2015. Not wanting to mess up the trial payment I sent the full payment of {$1500.00} on XXXX XXXX, 2015. I need to receive credit or refund for these XXXX payments before XXXX XXXX, 2015 so I can make the full trial payment of {$1500.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-07-2016 about Credit card () with DISCOVER BANK (NV).
Issue: Advertising and marketing

Complaint: I would like CFPB to continue pursuing my existing case ( Case # XXXX ) with Discover. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Debt collection (I do not know) with Platinum Holdings Group, LLC (GA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: This person stated that they would serve me at my home or my place of employment if I did not contact XXXX. They stated that they would need to see XXXX forms of photo id Stated the case number was XXXX. Stated that their name was XXXX and that he would be wearing a XXXX courier vest. This information was left on my voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XXXX XXXX, I received an email from Bank of America because there was suspicious activity on my Credit Card. Someone had made a purchase for {$400.00} at a XXXX XXXX XXXX, MA. A second large purchase was attempted but declined. I informed a representative from Bank of America that the charges were indeed fraudulent. The charges were reversed from my account, the card was cancelled and my wife and I received new cards in the mail. 
Over two months later my wife and I shopped at XXXX and spent {$140.00XXXX. After checking out we realized that XXXX of the items we purchased was something that we did not need so we returned it and got a credit for {$29.00}. 
On XXXX/XXXX/15 a charge appeared on my statement for {$29.00} with the description " Fraud Dispute. '' I called Bank of America Credit Card Services and they informed me that it was decided that the charge was not fraudulent. I protested and upon further investigation and explanation, the representative told me that the charges were done by the computer system because it assumed that the merchant was issuing the credit ( for the fraud ) and they were taking back their credit. 
I stated that these stores were not even in the same area and that the amounts were not even close. The representative informed me that that was simply how the system worked. I caught this because I am someone who monitors my finances very closely and I fear that a lot of other people would not have caught it. I also question that if I return and other purchases from any XXXX that the credit I will get will be reversed by the Bank 's system. In the end the bank did agree to reverse the charge. I still however consider this a fraudulent business practice by Bank of America Credit Card Services.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2015 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Account opening, closing, or management

Complaint: i am super disappointed all my calls and pleas for help are going un heard. i have beena c ustomer for a long time with credit. i need some help i need a business account with no minimums no fees for a while. a business account i have a spark card. I have always been helped by this bank and this is just being ignored. please help. PLEASE escalate to Virginia office. 
please escalate to capital one bank office of president. 
i need help. not the run around loyalty for loyalty PLEASE assist. this account will have over XXXX XXXX with the year from an expected grant. PLEASE help no scripts. I have called, written getting nowhere pleae help

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Debt collection (I do not know) with The CMI Group, Inc. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I recently checked my credit report and discovered that this company reported that I owe them a debt and to my knowledge I have never done business with this company and nor have they provided me with goods or services

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: This is a complaint about Navient Corp. They are the loan servicer for multiple student loans of mine. I recently refinanced my federal and private student loans, as well as my Department of Education student loans that are serviced by Navient with a {$250000.00} private loan ; Navient is also the loan servicer of this refinanced loan. The private loan entity disbursed funds to Navient on XXXX/XXXX/2016 in the amount of approximately {$180000.00} with the intent of paying off pre-specified federal and private, and DOE student loans. However, those funds were applied by Navient in error to only XXXX of my private loans, XXXX of which was never supposed to be paid off in the first place. All XXXX of the loans to which funds were applied were over paid by nearly {$50000.00}. I immediately reached out to Navient regarding this issue, and initially received reassurance that funds could be shuffled around and everything with my account would be made right. It has now been five weeks and my account is still not accurate. In fact, Navient claims that the private loan that was not supposed to be paid off because it was a consolidated loan having a 3.5 % interest rate ( why would I ever refinance it with an interest rate of 5.125 %? ) is not able to be reversed for reasons that have not been made clear to me by the Navient supervisor that I have been dealing with over the phone. When I asked the supervisor to be connected directly with the monetary department who physically makes changes to customer 's accounts to explain exactly what the issues are with my account, I was told there is no way to contact them. Meanwhile, the refinanced loan of {$250000.00} has already accrued {$1500.00} interest and because it has not been disbursed correctly, loans that should have been paid off in full on XXXX/XXXX/2016 also continue to accrue interest that I am paying on. At this point, I seem to only meet resistance from the supervisor handling my situation and I am certainly not seeing progress toward a resolution. I have been more than patient with Navient XX/XX/XXXX, and I believe have given them fair time to address and correct this issue. However, I currently feel backed into a corner and taken advantage of without any control of my own to resolve this issue.

Company response to consumer: Closed with explanation