milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/31/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Using a debit or ATM card

Complaint: For the second time in a year Bank of American has notified me that they are canceling my current XXXX debit card tied to my checking account with them and will issue a new card due to " possible compromise '' of the account number with an " undisclosed merchant ''. After the first incident, I contacted the bank wishing to know the identity of the " undisclosed merchant '' so I could modify my purchase behavior as deemed necessary and was refused the information, Bank of American saying they did not have it and was advised by XXXX. There is no one to contact at " XXXX '', of course. I find this both unacceptable and improbable. Why is this information denied the consumer when major security breaches are reported on the evening news?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (GA).
Issue: Application, originator, mortgage broker

Complaint: There is a lien on title showing from Ditech. I have contacted numerous people at Ditech and have yet to come up with a resolution. The mortgage was refinanced and we faxed over the HUD that paid off Ditech almost 4 weeks ago and have yet to get anything resolved. I am in the process of refinancing my house and with this lien on title we can not move forward..

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Credit card () with CITIBANK, N.A. (IL).
Issue: Billing statement

Complaint: I had a {$0.00} balance on my Macy 's credit card and still received a bill for {$2.00}. Had I not checked ( assuming the bill was {$0.00} ) I would have missed a payment, negatively affecting my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-03-2015 about Credit card () with NETSPEND CORPORATION (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Net Spend XXXX Texas XXXX has an agreement on small claims action. They agreed to stop payment XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Ny XXXX XXXX XXXX XXXX checks was not cashed only the one XXXX XXXX. We sent to Supporting Complaints Dept of Finicial Assistance XXXX XXXX XXXX XXXX Ny XXXX reference # XXXX Net Spend. They 2 Business days and some seem to leave job XXXX @ Finicial Dept Ammends must be made because XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Office tried to file false claims XXXXXXXXXXXX has them incontempt of court XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANCO POPULAR DE PUERTO RICO (NC).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: I received my card and the first statement closed a few days later, which included the annual fee, which I paid. Then the first month I tried using the card and at every transaction the card would be blocked with a fraud hold, so I 'd have to call to get it cleared. How annoying!!! Today I tried to use the card and it would n't work again! I received a phone call a few minutes later asking me to call XXXX XXXX XXXX to verify some possibly fraudulent transactions. I called and the person was unable to help me because there is now an access code on my account, so they transferred me to the Fraud Department. The Fraud Department claimed that they could not verify the possibly fraudulent transactions because somebody is reviewing my account. They said they did n't know how long the review could take and it could be indefinite. This is getting ridiculous! I have never had a credit card that is so hard to use! It 's like work using this card and I 'm beginning to doubt that it 'll ever work! The customer experience and customer service from this bank is horrendous! I 've never dealt with such a horrible company!

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
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: Over the past year in a half I have attempted several times to have all three credit bureaus to remove incorrect information on my credit reports. I 've also sent many letters to the creditor asking them to provide me with details on the account they claim I owe. I 've requested original documents with signatures of when the account was open and to date I still have n't received any information. In the past, I have been a victim of fraud and identity theft. I am requesting this information be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Mortgage (VA mortgage) with PHH Mortgage Services Corporation (AP).
Issue: Loan servicing, payments, escrow account

Complaint: I started making extra principle payments to my mortgage company ( Coldwell Banker Mortgage ). I noticed they were not being applied to the principle and instead were being held and applied to the next regular mortgage payment. For example : I paid my XX/XX/XXXX payment, I then two weeks later sent another payment this payment was held and applied to my XX/XX/XXXX payment, then when I paid my XX/XX/XXXX payment they held it and applied it to XX/XX/XXXX. Upon noticing this I contacted my lender to get the principle payments corrected. My lender said they would fix the issue. I had 4 payments that were incorrectly applied ( for a total of {$19000.00} ). I contacted the company on XX/XX/XXXX. They said everything would be fixed within 7-10 business days. I checked on XX/XX/XXXX and only two had been corrected. I contacted the company again ( on XX/XX/XXXX ) as it had been past the 10 days to find out what happened. I was again promised that everything would be fixed but that it would take 7-10 business days. I informed them that this was not acceptable since I had already call on this and they had not fixed it. I was promised by the lender that they would get it fixed and that they were putting in a " ticket to get it fixed quicker ''. I again checked on XX/XX/XXXX and still it is not fixed. I again called the company who told me " it takes time to process, but it has been submitted ''. I checked again today XX/XX/XXXX and it still is not fixed. Right now the company is holding {$4800.00} that should be applied to principle during XX/XX/XXXX and XX/XX/XXXX, and instead telling me I do n't own my mortgage until XX/XX/XXXX which is not what I want. What makes this extra frustrating is that I am currently XXXX, so I have to call in the middle of the night to be able to reach the company during their " normal business '' hours.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Debt collection (Mortgage debt) with ALEXANDER-ROSE ASSOC, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: In XXXX I was a victim of identity theft, where my deceased mother purchased an apartment with my name and initials. Then again, in XXXX in XXXX my social security and name was used to purchase another apartment without my consent. I reported police reports but the collection agency have not resolved this problem with my credit. 

Company 1 : XXXX XXXX XXXX XXXX 2 : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Struggling to pay mortgage

Complaint: I refinanced my home that I built with XXXX in XX/XX/2004 and they later sold my loan to XXXX being that XXXX was not allowed to practiced mortgages any longer. I paid any attorney in the past the initial fees, but it was too much. They stated that the loan with XXXX was a Predatory Loan and that I should be able to get out of the mortgage free and clear ; but they want money up front, and I could not pay it up front. 
I did get a modification before and I fell behind again because I had to stop working because of health reasons and I was in and out of the hospital. I reapplied for a modification and they are saying I do n't qualify although the income is the same or maybe even more. Now they are saying XXXX XXXX  is foreclosing on 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 11/16/2015 about Money transfers (Domestic (US) money transfer) with BMO HARRIS BANK NATIONAL ASSOCIATION (TX).
Issue: Other transaction issues

Complaint: I was transferring money from my home bank to a new account to fund a new investment account. The investment account was held by XXXX XXXX # XXXX at BMO Harris Bank. My initial wire request confused XXXX fields ( the " Account '' and " For further benefit to '' ), and the wire was returned, whereupon BMO Harris Bank charged an exorbitant {$30.00} fee for the returned wire, which was taken automatically from my transferred amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Debt collection (I do not know) with ERC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I do not know Enhanced XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Credit card () with CITIBANK, N.A. (WI).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have had Macy 's AmEx credit card for several years. I pay the account in full, on time. On XX/XX/XXXX, I opened the statement for the period ending XX/XX/XXXX, found that my account had been hacked. Several charges posted in XXXX, XXXX, along with foreign transaction fees. I called immediately, was informed the account would be closed, all fraudulent charges removed, a new card issued. I told agent there were eight days between the statement ending date and my receipt of the statement so there would likely be more charges. First statement for new account, period ending XX/XX/XXXX, included the hacked charges from XX/XX/XXXX-XX/XX/XXXX ( the previous account ). I spent two hours on phone with fraud unit while they supposedly removed those charges from the new account. However, next statement carried $ XXXX+ past due charges. More calls and a letter ( with every statement showing my charges and payments ) ; finally a message from them that everything was resolved. However, the XX/XX/XXXX statement shows that I still owe {$98.00}. I have paid all the legitimate charges every month so that {$98.00} is carryover from the hacking charges and fees. I canceled this card in writing ( not sure they did that ) and would like this resolved.

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 09/17/2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I keep disputing an open collection account from XXXX XXXX. I have contacted this company and Experian to remove this negative information from my credit report and they say they investigated the matter and it just keeps appearing after 3 years. It is also showing on my idenity guard account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Debt collection (Medical) with Thunderbird Collection Specialists, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Thunderbird Collection Agency is contacting me thru my work number during work hours. This collection debt they are demanding payment for has been discharged through bankruptcy. Besides the debt is my daughter, which was a minor at the time of service and they are trying to now contact her for payment as well. They are harassing her at her place of work and contacting her biological father at his place of work. This company is and their so called " mangers '' are mean, demanding and unpleasant. They do n't let you ask any questions about what they are calling about. They demand payment immediately or credit will be destroyed. They also have my phone number tied up with family member accounts. They are n't even my accounts that they are demanding payment for. They are sharing my information of where I work along to other family members of mine which I DO NOT want them to have. I do not want others to know where I work or my work number. I do not want my daughters work numbers given out to others or our medical bills discussed with just anyone that they can get a hold of on the phone that they think will either pay or give out more information to use against me to pay a debt that has been charged off. Also, we did n't just file bankruptcy and walk away from everything. Our bankruptcy was a merely {$37000.00} and we have paid back and still are through our attorney almost {$14000.00}. We did n't just walk away, we do n't deserve to be harassed at our place of work. We 're trying to make money to pay our bills not be harassed by this company just to lose our jobs for their relentless, mean and vicious phone calls. This is unthinkable behavior. They are all liars when we call them back to try and get some answers or try to discuss the situation with them. They either yell and demand payment or just hang up on us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Debt collection (Medical) with Capio Partners, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Dear Sir or Madam, I recently received a letter in the mail from a collection agency called XXXX XXXX at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Phone # XXXX stating that I have XXXX outstanding collections, on XXXX/XXXX/2016 I faxed them some pass information showing where these XXXX collections were removed from my credit report ( See attached Information ). On Wednesday XXXX XXXX, 2016 I received XXXX letters showing where they have removed this information from my files from their collection agency, ( See attached letters ). The next point is This collection agency noted that these collections came from a company called XXXX, XXXX XXXX. XXXX XXXX, XXXX XXXX which is Capio Partners same address their Phone # to patient advocate is XXXX. I Received from my XXXX XXXX credit score showing that XXXX is reporting these XXXX collection of {$120.00} and {$110.00}. I am asking can you please help me to remove these XXXX collection from my credit report and get Capio Partners to stop harassing me. update my credit file within the next 30 days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-12-2017 about Vehicle loan or lease (Lease) with VW Credit (CA).
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint: I have a diesel VW that is part of the VW Buyback settlement. I have an appointment at VW  on   XXXX   XXXX   to turn in  the vehicle and receive the buyback for early lease termination. VW  of America-  XXXX  My monthly lease payment is due on   XXXX   XXXX    (  3 days before I 'm turning in the car ), and I called VW credit to ask for a grace period, explaining that I have the appointment ( and can not get one sooner ), but they will not waive the payment. VW  XXXX   XXXX  I do not think it 's fair to have to pay for a month if I only have the car for 3 days during that payment period.     The  VW   XXXX   XXXX   XXXX   XXXX  says that I " MAY '' get a refund from VW Credit, but nobody can guarantee anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-12-2016 about Credit card () with PNC Bank N.A. (CA).
Issue: Closing/Cancelling account

Complaint: I had a PNC Visa Credit Card that was cancelled because of inactivity. I lived outside of the United States and upon returning I wanted to use my card and was informed that since I had a XXXX balance on the card and had not used it since XX/XX/XXXX that they decided to cancel it. I had acquired many rewards points on the card and wanted to use them but lost them because of this. I called XX/XX/XXXX and was told that they decided to cancel it due to inactivity for a year and there was no need to inform me since there was a XXXX balance. Had I not paid my bills on time, they would have left my account open.

Company response to consumer: Closed
Consumer complaint received 02-02-2016 about Debt collection (Credit card) with Global Recovery Group (PA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I was called by a man who would not give me any information but told me he would be showing up at my house in 30 minutes to handle my " incident '' I asked him for more info and he would not do anything but gave me a phone number. Then he tried to get me to confirm personal info and I refused. He called me XXXX XXXX and said he would see me soon and hung up. I called the number and they again refused to give me a website or mail me a letter. They wanted my bank info over the phone. When I refused they told me.I had 30 minutes before someone would be showing up at my house. 
The man continued to call me every 15 minutes for 2 hours until I called the police. I was locked inside my house for 2 hours with my baby terrified some XXXX person was about to show up and I did n't even know why.

Company response to consumer: Untimely response
Consumer complaint received 08/25/2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I made a complaint in XXXX XXXX. Regarding Green Tree Servicingin applying my mortgage payments holding themand claiming that they arenot being paid when I made the complaint with you the filds but the third party of my payee and nod I was not even notified until I pulled title from the title company what is going on pictures my payment for being taken out of my account not being applied to my mortgage my loan modification was approved in XX/XX/XXXX from XXXX XXXX I made my complaint with you they started backdating documents not applying credits over XXXX {$180.00} plus several more XXXX that were true compared to my payee and they are stillcontinuing a hardship on me and I need them to cease and desist on harassing me I have my phone calls they have never ever sent me any document as such I have asked him several times for my receipts on my payments I have my bank statement for being such payments to them they are to be treated with distrust I can not get through to anybody but one person always direct me to a specific person named XXXX XXXX XXXX need you guys to look into this company they by their phone numbers say they are changing their name company name I have not been notified nor have I been notified of it in OD on my own property and they are still continuing taking my friend Fund 's thru my payee and not applying my account gave it to a a company by the name of XXXX Services Incorporated XXXX XXXX California I have never been contacted by themthat might be green trees continues calling me on a regular daily basiswill you get ahold of this company and have some action happen my name is XXXX XXXX XXXX I 'm in XXXX XXXX Californiathey can contact XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Advertising and marketing

Complaint: CapitalOne has sent me numerous " Pre-approval '' offers. The letter reads in bold that I am " pre-approved for this offer with no annual fee and our lowest intro APR. '' But further down on the back of an accompanying sheet of paper, it explains that a Pre-approved credit card offer is sent to a " well-qualified group of people. Being pre-approved means you meet out initial criteria '' It seems to me that this is " Pre-screened '' not " Pre-approved ''

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I 've submitted multiple request to have a child support account updated ; it appears on my reporting twice. I 've called my state agency and they said Equifax has to fix it and they are known to do this in the  State  of Oregon. Please help me ; it shows up as  XXXX  negative accounts ; impacting my credit score significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a loan for an auto lease through XXXX XXXX. I turned this lease in early in XX/XX/XXXX and got a new lease through XXXX XXXX. The payoff amount of {$30000.00} was sent to XXXX XXXX on XX/XX/XXXX and shows that it was received on XX/XX/XXXX. I received over 15 calls harrassing me for late payment where I continually explained to them that the payoff was sent and showed complete. However, after each call and explanation I would receive more calls about the issue from representatives with no prior information of my calls and discussions of explanation. On multiple occasions I asked XXXX XXXX to take action to figure out why this was not showing in their system and I pleaded with them to not report anything negative on my credit. After 45 days of battling with them and XXXX back and forth they finally said that it was their fault and they located the check. I just received a notice from XXXX that XXXX reported a late or delinquent account in XX/XX/XXXX but this is more than 30 days past the time that they received the payoff in full. My new loan that shows from XXXX on my credit was at the same time I turned in my other vehicle so there is no way I could have been late on any payment. I do have proof of this in documents and have sent this to TransUnion. I take my credit report very seriously and would like action taken against XXXX XXXX for this mess. I have wasted valuable hours during my work day on numerous occasions to deal with something that was their fault. I do not want this reported to any other agency and I would like this and all traces of this removed from my report or I will be forced to seek legal action against the company.

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