milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (IL).
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint: XXXXXXXX XXXX XXXX Credit Card through XXXX XXXXl On XX/XX/XXXX, I called XXXX XXXX to initiate a name change request and to report that I had found out my identity had been compromised. I spoke with a customer representative would initiated the name change request and mailed a form to my existing address. She then transferred me to a fraud specialist who said that can put an alert on the account to verify additional information before making changes to the card. There was no mention of never to be able to make changes to my account. I would I received the form to make the name change and mailed it along with the copy of drivers license as requested. 

I then received a letter from XXXX saying that the can not make the name change and to contact customer service. I also tried to log on to make a payment and my online banking had been turned off. 

On XX/XX/XXXX, I called XXXX and spoke with multiple customer service representatives. After an hour long call, the Fraud rep stated that no changes could be made to my personal information due the compromise of my social security number I reported. However, I was free to continue to use the card under my existing name. I asked how that made any sense and what would happen if I was requested to prove identity at a business while using. I asked how I was to receive a statement as my online banking was turned off. I also asked how I would be able to change my address, if I were to move and had a balance as the alert on the account would not allow for any changes. She was kind and apologized but stated there was nothing that could be done because the " higher-ups '' put the restriction on my account. I asked if there was a phone or a way to contact the " higher-ups '' and was told no. 

I have been a customer since XXXX. I was able to provide a correct answer to identity and card verification. I also have used the same cell phone number for the same number of years. I own the home I live at and could provide a deed and other pertinent records to document my name. Also, even with the fraud, my credit was still in good standing with no high balances or late payments ( even on the two fraudulent cards that were reporting as I was able to resolve quickly with those creditors ). I can show that I have been a customer who has made all payments and utilizes the account as needed. 

I also spoke with the XXXX, IL XXXX Illinois XXXX to see if they would be able to submit a request or provide me with more information to see if there was a way around the " alert '' that was placed on the account.

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 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with fraud alerts or security freezes

Complaint: XX/XX/2017 XXXX XXXX Equifax- I have and evidently continue to have major problems with the soc alled credit reporting agency- last year I placed a Security freeze implemented by XXXX on all three reporting agencies which proved useless and causing me severe financial harm. I then had the Security Freeze removed directly by Equifax staff only to have it reestablished when they were hacked as a free offer by them.! The now send me a letter explaining they can not install the freeze even though they offer it and they did not secure my personal financial and private information.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NV).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan Servicing raised additional questions! 
Ocwen Loan Servicing responded to our previous complaint in writing dated XXXX XXXX XXXX. The facts are ; Ocwen Loan Servicing mishandled our account, failed to report accurately to all the credit bureaus per documentation. Ocwen stated in paragraph XXXX, " as previously advised to you, when a dispute is received regarding an account from a regulatory agency such as the CFPB, Ocwen is required to cease credit reporting for the duration of the review. As there were open disputes regarding the above referenced account in the month of XXXX XXXX, no payment history was reported ''. 
Per federal law, Fair Credit Reporting Act 15 USC 1681 and Nevada law, XXXX XXXX, all companies reporting to credit bureaus must report accurately. When companies report to the credit bureaus, " no payment history reported '' this violates federal and state laws! Also, no where within these laws does it state that the creditor ( Ocwen ) must cease credit reporting for the duration of the review. Per, E-regulations 12 CFR part 1002 does not state either that the creditor must cease credit reporting for the duration of the review. I believe that this is Ocwen Loan Servicing policy which does not supersede federal and state laws! By Ocwen Failing to report accurately, Ocwen caused us to be turned down for an auto loan approximately two years ago. This has been an ongoing issue with Ocwen Loan Servicing! " Please review the other credit reporting complaints filed against Ocwen with the CFPB ''! 
Also, I requested Ocwen not to allow XXXX XXXX from the Ombudsman office to respond to my inquiries now or in the future due to her failing to provide the information that we were seeking. As you can see, Ocwen Ombudsman office failed to comply with our requests. 
Please provide the following question below in writing! 
First, we request to know if Ocwen Loan Servicing has this policy to cease credit reporting for the duration of the review? 
Second, if not, please provide the state or federal law that requires companies to cease credit reporting during an investigation from a regulatory agency! 
If Ocwen Loan Servicing fails to comply with our requests, Ocwen must be held accountable for their actions including but not limited to the following ; an investigation from federal and state agencies, media complaints, social media complaints, court order, fines being imposed, loss of business license, criminal charges filed, lawsuit, damages, compensation!

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (IL).
Issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/XXXX I received an email from PayPal that my account was being placed on hold. I called them to get it resolved and they told me that they would have to close my account and open a new XXXX, thereby losing my entire PayPal account history ( of 12+ years of transactions ). They said the reason is that my account was opened in XXXX, before I was XXXX, and therefore my signed agreement with PayPal is null and void. I asked to resign the agreement but they did not comply. They are n't allowing me to withdraw my account balance until I 've agreed to lose my entire account history and have not provided any alternatives.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/21/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (WA).
Issue: Fraud or scam

Complaint: Please follow this letter thread as my description and Coinbase 's response, which I have not heard back from them on since. 

RE : XXXX XXXX # XXXX # # # # # # # # # # # Dear Sirs, I made a wire transfer that was issued on XX/XX/XXXX and received into the Coinbase accounts by XXXX XXXX XXXX  on the same day. 
I have been attempting to locate this wire via my credit union since before the holidays without any luck. 
As of today, XX/XX/XXXX, I was able to verify with XXXX XXXX XXXX that the funds were received on the wire date. 
The monies in question, {$2900.00}, are intended to go to either my XXXX account under the name of [ Name ], or can be issued to my Coinbase account under the same name. As of today, they still are not credited to either XXXX or Coinbase. 
As you can imagine, this is a completely unprofessional and unreasonable amount of time for nothing to be showing up in my account ( s ) and I expect that there will not be any fees applied once the funds are found and credited. Of course, if this does not happen, my next course of action and compensation for this delay will be through legal means. 
Please have a representative get back to me by phone AND email regarding these funds, and what course of action will be taken. 
My phone number is xxx-xxx-xxxx. If a message is left, I need a direct line and extension number to respond. 

Regards, [ Name ] Response # 1 After phone call and email to priority support. 
" Hi there, Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. 

Thank you for your patience. 

Response # 2 After phone call 10 days later, on XX/XX/XXXX " Hi again [ Name ], Ive just checked your account and can confirm that your request has been properly escalated. 

For fastest response, please do not create multiple tickets about your issue. 

Once your request is cleared, well be sure to follow up. 

Thanks so much for your patience and for working with us on this. 


They have had my money now for 60 plus days, with no acknowledgement whatsoever that they have received it, much less taking action to do something with it be it a refund or credit into my account ( with compensation of some sort for all this trouble ) I want my money back with interested/compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: Equifax has a security breech XXXX XXXX, XXXX, and failed to infor customers until XXXX XXXX, XXXX. They also was charging my my account after the security breech.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had my credit pulled for house loan application. However the credit score was quite lower than expected especially since I use credit karma to somewhat monitor my credit. I am aware that there are going to be differences, but with equifax and XXXX ( the ones XXXX uses, the gap was over XXXX points. ) XXXX had my score at equifax about XXXX, XXXX around XXXX, the credit scores that were received my home finance were XXXX and XXXX respectively. I reviewed the reason for the " low '' score and found the reasons. 
1.derogatory public record or collection. 
I was in the hospital ( XXXX XXXX XXXX in XX/XX/XXXX ). After not receiving a bill I called and asked. I was informed that bill was payed and no payment due. I was surprised and queried if info was correct. I was assured that no payments are due. About 2 months later I received from a collection agency a notice that I owe about XXXX $ to XXXX. I immediately called XXXX and was told, that there were XXXX accounts for me and that they had made an error. I told them that I have now a collection agency chasing me down for their error. I called the collection service and paid the outstanding amount. That was over 5 years ago and clerical errors have kept my score low!!! 
2.length of time credit has been etablished. 
I have been living for over 20 years in the US. I have had house payments since XX/XX/XXXX, car payments since XX/XX/XXXX, electric, gas, tv, cell phone bills for over 15 years. Credit cards and what have you. How long doe they want me to have credit.?? XXXX % of the time I pay my bills on time, that XXXX % I missed the due date which happens to the best of us. 
3.proportion of high credit on bank revolving. 
I have about XXXX $ in outstanding credit card bills, the total max/ credit limit on my cards is way over XXXX that means I owe XXXX % of maximum credit limit, how can this be a high revolving proportion of balance. 
4. Recent inquiries. 
In our days nobody has the cash to buy house or car outright. I refinanced my home, to have lower payment and pay credit cards off, and purchased a car, 11 months ago .... I ca n't see how that is a high amount of inquiries. The reporting agencies love for us to open credit cards to see that you pay them and pay on time to show you are responsibly managing your money. But then you get punished for having an inquiry on your record/ score. 
I hope you can help me out and have the situation rectified. These agencies have so much control over ones life, it 's almost criminal. I can see where people have several collections, maxed out credit cards, unpaid bills, inquiring about credit every two weeks that the score is low, but in my case it 's absolutely not the case. 
I appreciate your help!

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Debt Collector  has reported me delinquent w ith two 3rd part y Credit agencies with out ever having contacted by phone or mail regarding debt nor have they identified the debt nor have they provided me with any information regarding this debt. I have received no validation notice proving this debt belongs to me nor have i been given a chance to dispute this debt before  Debt  Collector reported this debt negatively to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Trouble during payment process

Complaint: Property was Foreclosed while under protection of Active Bankruptcy Chapter XXXX I was in default on my mortgage due to unemployment. I filed for bankruptcy protection under Chapter XXXX. In XX/XX/XXXX, while in Chapter XXXX, my Bankruptcy attorney had a medical emergency and several of his cases including mine, slipped through the cracks and were dismissed in error on XX/XX/XXXX. An attorney stepped in and filed a motion to vacate the dismissal of the BK on my behalf. At a court hearing on XX/XX/XXXX the judge approved the vacating of the dismissal of the bankruptcy and the bankruptcy was reinstated. On XX/XX/XXXX Nationstar Mortgage, dba Mr. Cooper foreclosed on my property while I was still under the protection of the Bankruptcy stay. As of today, XX/XX/XXXX, I am still under the protection of the bankruptcy and they are proceeding with trying to evict me and they do not have a right to do that. Under the BK statute all attempts to collect a debt must cease. 
I am now employed and will be working full time and do not want to give up the home I worked so hard to keep.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: 1 ) I was self-employed and unable to make my mortgage payments after living in my home of 15 years.    2  )  XXXX ,  XXXX , I became employed   XXXX   XXXX   as a  XXXX  with the  XXXX   XXXX   XXXX   XXXX   XXXX  and requested assistance from my mortgage lender,  XXXX   XXXX   XXXX  to do a loan modification.    3 )   XXXX ,  XXXX , while in the middle of completing loan modification paperwork, my mortgage loan was transferred from my mortgage service provider,  XXXX   XXXX   XXXX   to Penny Mac. This ca used a delay in me being able to complete the loan modification paperwork and my house was put into foreclosure despite me processing the paperwork because despite my new employment, I was n't able to get the past due payments caught up. I was told I had to redo the loan modification paperwork fo r Penny Mac.     4 )   XXXX ,  XXXX , I completed  Penny Mac 's  loan modification paperwork and began to make the trial payments.    5 )   XXXX   XXXX ,  XXXX , I had to take   XXXX   leave of absence from my  XXXX  job. My employer began arguing that I did not qualify for my short term  XXXX  benefits even though I had been paying into the benefits from the first day of hire.    6 ) Late   XXXX ,  XXXX , I was approved by  Penny Mac f or the loan modification program upon making my  XXXX  payment. I was told the paperwork could take up to 30 days to arrive to sign and finalize the loan modification.    7 )   XXXX   XXXX ,  XXXX , my income dropped substantially making it impossible for me to make the  XXXX  payment.    8 )   XXXX   XXXX ,  XXXX ,  Penny Mac  sent me a mortgage statement billing me for the full past due amount, stating my " ... loan is severely delinquent, and as such, foreclosure action has began ... '' I was not even given 30 days before they moved my loan from loan modification directly into foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Hello my name is XXXX XXXX I am contacting you about University Accounting Service ( UAS XXXX ). my school was shut down due to fraud which was XXXX College and now the private loan still wants their money even though the Federal Loan was dismissed and I was reimbursed {$1500.00} I feel that this might be fraud because they still want me to pay {$2000.00} towards the private loan I would appreciate if you can investigate this thank you

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2015 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Specialized Loan Services ( SLS ) refuses to provide me monthly statements of my account. After two years of contacting their Customer Care XXXX number, no one has provided me answers to the various questions I have regarding my account. Calling their Customer Care is meaningless as no one assists you ( see examples attached ). Due to SLS 's mismanagement of my account, my attorney wrote to SLS ( see attached correspondence and note it was also per the request of SLS in their letter dated XXXX/XXXX/15 also attached ) that they remove my escrow account and I be responsible for payment of taxes and insurance. However, per the attached letter from SLS on XXXX/XXXX/15, they refuse to comply with the request. Per my records, as of XXXX/XXXX/2015 my Escrow Account had a positive balance of {$330.00}. The past due amount was brought current as of XXXX/XXXX/2015 per the Trustee 's notification. I will not pay an increase in monthly payment until someone from SLS or XXXX XXXX does a complete review of my payment history with me via telephone or in person at a local office ( if local office is even an option ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Credit card () with BARCLAYS BANK DELAWARE (FL).
Issue: Transaction issue

Complaint: My credit card balance was overpaid in the amount of XXXX. When I asked them to go ahead and credit back to me electronically, via the same means that they received the funds from me, they told me that was not possible. My credit card amount due was at a balance of {$0.00} at the time that they took the payment from my account. I need the money back promptly as I understand is within my rights, as stated below : " Other billing rights Businesses that offer " open end '' credit also must : give you a written notice when you open a new account - and at certain other times - that describes your right to dispute billing errors ; provide a statement for each billing period in which you owe - or they owe you - more than XXXX dollar ; send your bill at least 14 days before the payment is due - if you have a period within which to pay the bill without incurring additional charges ; credit all payments to your account on the date they 're received, unless no extra charges would result if they failed to do so. Creditors are permitted to set some reasonable rules for making payments, say setting a reasonable deadline for payment to be received to be credited on the same date ; and promptly credit or refund overpayments and other amounts owed to your account. This applies to instances where your account is owed more than XXXX dollar. Your account must be credited promptly with the amount owed. If you prefer a refund, it must be sent within seven business days after the creditor receives your written request. The creditor must also make a good faith effort to refund a credit balance that has remained on your account for more than six months. ''

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 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: To Whom this May Concern :   XXXX     I sent out letters to all three bureaus pertaining to a bankruptcy on my report. I asked the bureaus to send me documentation with my signatures and how they verified this information. The bureaus stated that the courts verified this information to be true and accurate. I got a letter from the court stating that they do not verify nor submit any information to the credit bureaus it goes through 3rd party companies such as   XXXX   XXXX   which is against  Federal Law   XX/XX/XXXX    the bankruptcy was removed from my equifax report then later it was placed back on. I need to speak with someone about having this information removed from my  Public Records

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 02/28/2017 about Credit reporting () with BARCLAYS BANK DELAWARE (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XX/XX/XXXX Barclay Card US : Incorrectly placed someone else 's bankruptcy on my Barclay credit card account, then ; Closed my account, then ; Removed my reward points for my account, then ; Notified all XXXX credit agencies that my account was in collections, then ; Did not inform me of any of the above. 
This caused my perfect credit score and report to drop to its lowest level in my life. 
Barclay refuses to send me documentation that they have corrected these egregious errors with all XXXX credit agencies. Barclay refuses to reimburse me for the cost of credit reports and FICO scores so that I can track the resolution of their error. 
Since opening the Barclay credit card on XX/XX/XXXX, I had paid every bill in full and on time, and continue to do so.

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