milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-02-2018 about Debt collection (Credit card debt) with AMERICAN EXPRESS COMPANY (OH).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XX/X/2016 After repeated calls I asked the manager of XXXX XXXX XXXX to not call my work and gave my personal cell phone number. Reminded them that the fair trade commission established the fair debt collection practices act and under this act it states that after I have given them a oral warning not to call my work its consider harassment and if they continue to call my work I can seek legal pursuit after them.I have now documented and my front office has documented several times they have been calling my work number. They do n't seem to understand and continue to harass me and now I might lose my job because of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-10-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with BANCO POPULAR DE PUERTO RICO (PR).
Issue: Loan modification,collection,foreclosure

Complaint: Let me start stating that this is the third time that I submit a complaint against Banco Popular de Puerto Rico. I own an apartment and unfortunately the financial institution that first gave me the mortgage does not longer exists. Because the economic situation in XXXX my apartment cost less than the amount I own to the bank and they said they can not offer me a refinance option. I got a letter on XX/XX/2015 stating that the only option I had was to contact lost mitigation, which I did. The person that evaluated my case told me that I was not eligible for a modification to my mortgage because I had an income deficit. I called back today after modifying my monthly expenses and I am still not eligible for the modification. I even included my husband 's salary as they suggested the first time we talked. How come they said I do not have the means to pay if I have been paying this apartment for the last 10 or so years? What I want is for Banco Popular de Puerto Rico to modify my mortgage loan or to give me a streamline mortgage or anything that does not include surrender my apartment to them, which was the only option the person on the phone gave me.

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 01/19/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (MS).
Issue: Loan modification,collection,foreclosure

Complaint: On XX/XX/XXXX, XXXX XXXX XXXX , XXXX, an alleged debt collector, submitted a notice to me that Ocwen Loan Servicing , LLC is a creditor, and they are alleging that I owe them {$120000.00}. We have disputed this fraudulent debt on XX/XX/XXXX because Ocwen Loan Servicing , LLC is committing fraud, submitting fraudulent claims and pretending to be a bank, mortgage lender plus Ocwen Loan Servicing , LLC but acting as a bank, mortgage and finance company. Furthermore, I also requested that XXXX XXXX XXXX, XXXX XXXX The Mississippi State Bar Codes for all their employees in Mississippi because they utilized these same illegal tactics to try to foreclose on my property on XX/XX/XXXX, although they were aware that Ocwen Loan Servicing , LLC or any other entity do not have ownership of my mortgage nor the note. The fraudulent mortgage note was eventually extinguished in my United States XXXX Federal Court Bankruptcy hearing on XX/XX/XXXX which Ocwen Loan Servicing , LLC failed to appear. Allegedly, XXXX XXXX XXXX, XXXX and Ocwen Servicing, LLC, and others are involved and implicating themselves in a housing ponzi scheme plus The RICO act needs to be implemented. This information is also on record at The United State Bankruptcy Court for the XXXX District of Mississippi ( XXXX Divisional Office ).

Company response to consumer: Closed
Consumer complaint received 03/16/2017 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (IL).
Issue: Application, originator, mortgage broker

Complaint: I am very deceived of the way Penny Mac has handle my loan. I submitted a modification packet to them since XX/XX/2017 to be review for a possible work out option, in my hardship letter I explain the reasons why I was not able to keep up with my mortgage payments. Due to me losing my job Penny Mac in demanding more proof I mean I am not paying my mortgage payment because of my loss of income. I was been forced by my ex employer to resign. I did n't want to lose my job however ; my XXXX has moved in and she is contribution towards my house hold income. I am working now but the money I am receiving is not the same, therefore I am hoping to be provided an affordable mortgage payment, so I can be current once again. My intentions are to keep my house.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: My Complaint is against XXXX XXXX, XXXX. XXXX XXXX is failing to update the 3 major credit bureaus : XXXX, XXXX and XXXX that their account # XXXX has been paid in settlement for {$1300.00}. The are failing to update a XXXX balance and advising the credit bureaus that I still owe them the {$1600.00} for account # XXXX The account was initially with XXXX XXXX XXXX XXXX XXXX, who then sold the debt to XXXX XXXX, XXXX, who then hired XXXX, XXXX, XXXX XXXX XXXX, XXXX to sue me in small claims court. The case has been settled outside of court for {$1300.00} and paid on XXXX/XXXX/XXXX. XXXX XXXX, XXXX attorney office XXXX, XXXX and XXXX cashed the {$1300.00} check. I am requesting that XXXX XXXX update my credit reports properly to reflect a XXXX balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GVA Holdings, LLC (NJ).
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: Loan Company GREAT Plains Payday Lending who I attempting to resolve the illegal interest rate they put on a NJ Loan that they are not licensed to do business with and would not drop the 800 % interest reported the loan on my Credit Which is also illegal. 

The credit agency said it was valid an they could not remove the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: A  Student Loan Company  claims that I am owing $  XXXX  for a Student loan that I never opened or attended classes. When I asked for the verification or proof of the original signed contract, the company just blows me off and provides some generic letter unrelated to my question of attempting to know anything about this loan. Under the FCRA I have a right to verify the debt but instead I received bills related to the loan.

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 01-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (DC).
Issue: Trouble during payment process

Complaint: Wells Fargo  refuses to close my escrow account on my mortgage. I bought a home in DC in   XXXX   XXXX    Originally, I did not want a escrow account but was told by my original lender that taking out the escrow account would be complicated during the middle of the closing process for our home. After we closed on our home, our mortgage was soon transferred to  Wells Fargo.      I asked  Wells Fargo  to close my escrow account for both taxes and insurance. They first told me they could not because  Wells Fargo  has a policy that only escrow accounts at least  1 year old  can be closed out. I asked for a copy of the signed agreement that requires me to wait 1 year before closing the escrow account. They continue to fail to provide me a signed agreement showing me I am legally bound to wait 1 year.     They closed the tax portion of my escrow account after I contacted them a few more times. I asked them to close the insurance portion of my escrow account. They then again cited their  one  year requirement and refused to close the insurance portion of my escrow account. I asked again for a copy of a signed agreement. They again could not provide a copy.

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 05-02-2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My name is    XXXX   XXXX    and   XXXX   XXXX   XXXX   Is trying to collect the amount owed of {$1300.00}. I have never disputed owing the money however.   This collection agency has taken over the  Capital one  account. In    XXXX   XXXX  .  They were told my father passed away. I told them I lost my house do to my father 's reverse mortgage. Lost my business. and was unable to pay. they put me on a debt forgiveness due to hardship and did a charge off and hit my credit. which is fine. but now they are trying to restart an old debt. Which I do not feel is fair. I 'm am tired of the constant harassment by this fraud company. And I want it stopped immediately! I am not working so there is no way possible I can pay it back.They will get nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: I sent this complaint through occ.gov which they said they would forward to CFPB but I have n't heard anything as of XXXX XXXX, XXXX : Complaint filed with occ.gov XXXX XXXX, XXXX On Saturday, XXXX XXXX, XXXX I went into my accounts oline to balance my XXXX checkbook. I noticed an amount paid on one of my USAA credit Card from my USAA Checking Account. I had set up an automatic payment to be made of {$500.00} on the due date. However, they instead debited my checking account for {$310.00}, paid to the credit card. 

I sent an email through their website on Saturday at XXXX CDT. I received a response on XXXX XXXX, XXXX at XXXX CDT from XXXX XXXX , Member Relations Advisor. It was a generic response that said they would look into the issue : " Your email regarding your account payment was received by CEO Member Relations. We regret any frustration this situation caused you, and we assure you that making processes easy for members is a top priority for USAA. Our business specialist will review your account and will follow up with you directly within two business days. We appreciate the opportunity to address your concerns. '' 48 hours later, on XXXX XXXX, XXXX at XXXX I asked for a response. I included a letter to the CEO XXXX XXXX, relating some of the many problems I have been having with this bank, including this latest problem. Most of the problems are related to the online payment system not working or being inflexible on internal USAA payments to the point that I believe they are forcing members to only pay the minimum amount on their USAA credit cards. Other bank cards can be paid reasonable flexibly : i.e. before the due date, multiple times per month and amounts more than the minimums. 

I received a response on XXXX XXXX, XXXX at XXXX CDT. Also very generic : " Your letter addressed to XXXX XXXX was received by CEO Member Relations. Our business specialists will review the issues you raised, and we will follow up to ensure you receive a response. Please know we remain committed to providing excellent member service. '' I sent a response today, Friday, XXXX XXXX, XXXX at XXXX telling them that because I had not received a solution or answer from them in the time they stated, I would file a complaint with occ.gov. 

XXXX/XXXX/XXXX : Attached is a screenshot of one of many error messages I get everytime I try to do my banking.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Mortgage (Conventional home mortgage) with LoanCare, LLC (MI).
Issue: Trouble during payment process

Complaint: On  XXXX   XXXX  I received notice that  Loancare ha d conducted an escrow " review '' and determined that my monthly escrow payment needed to increase from {$750.00} to {$930.00}. I found this to be odd, and excessive, and sure enough, after doing the math myself, I calculated that I 'd overpay them by about {$2300.00} annually with this increase.     Within a few days I contacted Loancare by phone to argue these additional charges. I was told to submit a written reques t (  email acceptable ) with supporting information. I submitted information stating that our home was now under a " principal residence exemption '' thus lowering our tax obligation. I also included historical statements approximating our tax liability from when the home was under this exemption with the previous owners. This information was not deemed good enough, so they refused to reassess the monthly escrow contribution.     At this time, feeling that giving Loancare an interest free loan was not in my best interests, I requested to eliminate my escrow account altogether as it 's not difficult to pay  two tax bills and one in surance bill annually. I was just informed that they 've denied my request to eliminate my escrow account.     To summarize, in my judgement, they 've poorly reassessed my escrow payment, causing me to overpay them by thousands of dollars annually. Thousands of dollars that should be in my bank account earning interest. Seeing eliminating the escrow account as an easy way to solve this problem, I 've requested that, but somehow they 've seen fit to deny that as well.

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 08/22/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Account opening, closing, or management

Complaint: I went to Bank of America at XXXX XXXX XXXX XXXX in XXXX, TN XXXX to follow up on a service charge refund and the manager, XXXX, violated my privacy by calling out my account balances in the lobby where other customers were waiting to be seen. She also talked down to me because of what I was inquiring about as well as tried to tell me how to do my personal job and that I was doing it wrong in front of other customers. She was disrespectful, extremely unprofessional, and told me to close my business account because it was n't being used in the way she saw fit. She closed the account without any verification of who I was or without my signature. I had to go to another branch to open the same account in which she had closed with no written permission. She made me very upset to the point where I was being bullied into closing my other accounts and wanting to change banks entirely. She interrupted me many times to give her input on what she thought I was going to say.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Mortgage (Conventional fixed mortgage) with PRIMELENDING, A PLAINSCAPITAL COMPANY (WV).
Issue: Loan servicing, payments, escrow account

Complaint: Try to make house payment and says that loan has been transfered to another company. I have no notification of this. Was a  Prime Lending  loan and now I have no clue who it belongs too.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Checking or savings account (Checking account) with CITIBANK, N.A. (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Outside ATM took my cash deposit and shut down and did not credit my cash deposit to the account, which is making me late for paying a very important bill on time!!! The Bank ( Citibank ) will not give me a provisional credit to pay my BILL?

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 07/14/2017 about Debt collection (Other debt) with I.C. System, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: IC Systems is reporting a {$180.00} collection on my credit report from  XXXX   XXXX   XXXX . I have spoken to  XXXX   XXXX   XXXX  directly, and they told me it is an error and they should not have sent the account to the collection agent.  XXXX   XXXX   XXXX  tells me that they have informed IC Systems that the collection account was reported in error, but now IC Systems refuses to take it off of my credit report.

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 06/25/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, 2016, I Cashed a personal Chase check at XXXX XXXX XXXX XXXX Chase Bank. I have been a Chase member for many years. I currently own a Mortgage, Checking, and Saving Account with Chase Bank. 

This specific branch treats XXXX customers differently then XXXX XXXX customers when seeking and receiving bank services. Customers of XXXX race are specifically targeted with indifference, suspicion, dislike, when seeking or receiving bank services. 

Regularly, XXXX are intentionally denied bank financial services, because of their race. This is a prioritized business practice, by this specific Chase branch. 

XXXX bank customers are treated with great respect and superiority in comparison to XXXX bank customers.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2016 about Debt collection (Medical) with Credit Systems International, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I HAVE ATTEMPTED TO HAVE A COLLECTION ACCOUNT REMOVED FROM MY CREDIT.I CONTACTED ALL PARTIES INVOLVED TO DISPUTE THIS. XXXX REMOVED IT BUT THE OTHER XXXX DID NOT. THE ACCOUNT IS NOT MINE. I WAS WORKING XXXX, ALSO D.O.B. DOES NOT MATCH. THIS IS NEGATIVE ON MY CREDIT AND IS CREATING AN ISSUE.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (PA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: We were charged for 2 different bogus amounts from something called " XXXX XXXX '' first onXX/XX/17 for {$280.00} and for {$240.00} by CitiCards. They were informed that these were bogus charges, credited us and then claimed that there was " proof '' that they were legitimate charges and then recharged us. 

" XXXX '' is apparantly a XXXX website that is all in XXXX letters -- neither read nor spoken by us! 

I've called and written them but I don't know what else to do.

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 04/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am well advised that Transunion experienced a glitch in XXXX and XXXX that caused all inquiries to be removed from consumer reports. It is illegal for inquiries to be re-added to a report without notifying the consumer within 5 days of intending to add them. My rights have been violated and this has caused me financial hardships. I have called transunion on XX/XX/XXXX. At XXXX, I spoke with XXXX XXXX She was unwilling to remedy the situation and claims that I was not affected by the glitch because my inquiries had not been on my report from 2 years before the glitch. This is inaccurate 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 explanation
Consumer complaint received 05/27/2015 about Mortgage (Conventional fixed mortgage) with PRIMARY RESIDENTIAL MORTGAGE (CT).
Issue: Loan servicing, payments, escrow account

Complaint: I submitted my monthly mortgage payment to Primary Residential mortgage company via their PO Box address they provided. Payment was sent within the allowed time in XX/XX/XXXX to satisfy the XXXX 2015 mortgage payment. I contacted them on XXXX XXXX 2015 and asked if all was ok with my payment as they had not yet deposited it. They indicated they did not receive my payment and to send it again. I resent the payment with USPS XXXX and got XXXX confirmation. I called them and they acknowledged receipt of the check and indicated all was fine and not to worry. After a few more days, I realized the check still had not been deposited. They told me since the beginning it is not when they receive the check but when they actually deposit it that it then counts towards payment. This seemed ridiculous and a bit scary to me as what if they decide to deposit it after several days, even though they received it within the time frame ( before XX/XX/XXXX )? So, upon calling them again they said they could n't locate my check at the moment but would call me back as soon as they did. They offer no other payment options online, just by phone, but that comes with a hefty convenience fee. They finally located my check and I asked for a signed letter that I would not be reported to the credit bureaus as late and also not assessed a late payment penalty. They sent me a signed official company letter and an email about this assuring me this wouldnt happen. On XXXX XXXX they finally deposited the check after holding it all this time and receiving it XXXX XXXX. I was assessed a {$100.00} late fee as they indicated my payment was late and also reported me as being late to the credit agencies. I now can not obtain credit or make purchases with this. Ive contacted them by email several times and called and they keep promising me they will get back to me but never do.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief