milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-12-2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (CT).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On   XX/XX/17   at  XXXX  I have made a check deposit on a new  Joint accoun t I opened with  Citibank ( Regular checking  -  XXXX  ). The next day when I wanted to make a transaction my account was blocked. I went to  Citibank downt own  XXXX  CT and was told there was a problem with  one the  checks and that I have to call. I have call ed Citibank  on   X/X/17  a nd was tol d   XXXX   XXXX   h as put a hold on that check. They block the account, not the amount on the check. I then call the individual that sent me the check to inform him of the situation, he went to a branch where he was informed there is no hold on his check. Even with no hold on the check  Citibank will   not unblock my account before  10 b usiness days! Say that I borrowed the money because I had an emergency??

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 06/20/2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Struggling to pay mortgage

Complaint: I am an XXXX retired woman who still needs to work to make ends meet. I also receive {$600.00} in SSI. I was diagnosed with XXXX last year and was told I needed to take it easy and only work part time, however, I have not been able to do that. I requested Mortgage assistance w/ Neighborhood Housing of XXXX Florida and was denied, they, in turn, dealt with my mortgage company for over 6 months to get a loan modification to lower my interest rate to 2 % which from I understand am eligible. After months and months of back and forth, OCWEN finally approved and lowered my interest to 2 %, but with a clause indicating to also sign to a balloon which would devastate me and cause me more grieve and hardship. I declined to sign the portion of the balloon but signed and submitted the part of the trial payment for three months which is due in XXXX. I 've owned my home since the early XXXX, and have never been late on a payment. I have been receiving harassing calls in the name of OCWEN from XXXX, and the latest one is a voicemail from an OCWEN representative indicating that my account is seriously past due. OCWEN has been giving me misleading and inaccurate information regarding my mortgage and I am fed up of being taken advantage of. I have dealt with OCWEN in the past for a loan modification through an unscrupulous individual ( who took my money and disappeared ) and according to OCWEN, I did not qualify. Is it legal for OCWEN to grant a loan modification, but at the same time force me to sign a balloon clause that I do n't agree to, or may keep my home when I die? I only have {$60000.00} left on my mortgage and by signing that document, I would have to continue paying that balloon afterXX/XX/XXXXwhen the {$60000.00}. Ocwen has never offered my another solution other than the HARP, I just found out they could have offered another solution, as HARP does not apply to me because I have never missed a payment. Sure I have struggled, just like I am doing now, but a payment has never been late. I also received a communication from OCWEN indicating I no longer qualify for a loan modification because my papers were not submitted in time ( XXXX/XXXX/XXXX ) which is partially true, I only submitted the contract for the trial period signed XXXX XXXX and received by OCWEN XXXX XXXX, this receipt of documents was acknowledged by my " relationship manager '' XXXX XXXX, but he declined my request for the modification because I did not want to sign a document which will jeopardize my finances, my home, and my life. I have made attempts to contact XXXX XXXX to work out a solution, unfortunately, my calls are always outsourced to XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: Hello, I am working to fix my credit scored but Navient has marked my credit by stating that I have multiple late payments. There are TEN ( 10 ) student loan accounts open and each account has 9 missed payments. That has caused a total of 90 missed payments on my credit score ( a majority in XXXX and several other months missing information ) which is preventing me from purchasing a home or, more importantly, fix my credit. I am XXXX years old, trying to build my life. Taking the problem one step further : the student loans I have is for the University of XXXX which has closed all of its campuses in the XXXX XXXX. At first, I was attending the XXXX, CA campus ; it closed down. I was moved to XXXX, CA and XXXX XXXX, CA ; also closed down the campuses. I was then moved to XXXX, CA which also closed down the campus. I was forced to take online classes which dramatically increased the cost of all of my classes. I did not sign up for online classes when I first registered for this school, yet I was forced to do them because of all of the campuses being shut down. 

Not only is Navient hurting my credit significantly, but I am also stuck in paying a large amount of money for a school that kept closing its doors and sticking me with more expensive classes. 

Below is how my credit is listing the Student Loans : " There are 90 late or missed payments on your report. 
Payment history is important because it helps lenders gauge how likely you are to pay on time in the future. '' STUDENT LOANS XXXX XXXX XXXX/navient - XXXX XXXX Missed Currently on-time XXXX XXXX XXXX/navient - XXXX} XXXX Missed Currently on-time XXXX XXXX XXXXnavient - XXXX} XXXX Missed Currently on-time XXXX XXXX XXXX/navient - XXXX XXXX Missed Currently on-time XXXX XXXX XXXXXXXX/navient - XXXX} XXXX Missed Currently on-time XXXX XXXX XXXX/navient - XXXX XXXX Missed Currently on-time XXXX XXXX XXXXnavient - XXXX XXXX Missed Currently on-time XXXX XXXX XXXXnavient - XXXX XXXX Missed Currently on-time XXXX XXXX XXXX/navient - XXXX XXXX Missed Currently on-time XXXX XXXX XXXX/navient - XXXX} XXXX Missed Currently on-time STUDENT LOANS XXXX I hope that there is something that can be done for this unfair treatment. This school is a trap and Navient has only put me in debt for the rest of my life. 

I thank you again for the time you have spent reading this correspondence. 

-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Credit card () with Monterey Financial Services LLC (CT).
Issue: Unsolicited issuance of credit card

Complaint: purchased a opal ring at XXXX jewelry store. XXXX days later returned it as it was white stone and had some sm stones around it ; was to big for my hand. XXXX the store clerk asked if I wanted to look and I picked out a XXXX ring w/necklace. Did n't want the necklace but it was a set and cost a few dollars more. She evened the purchase by putting the difference on my visa credit card ( approx. $ XXXX. ). Got hm the set was very cheap and the opal a fake so I brought it back. it took her almost an hr. to process the return and again I used my visa to get a " credit '' back or the overage. Clerk had attempted to get me a XXXX Credit card but was denied. a few wks later rec 'd ph call fm Monterey Financial about pmt to my acct. replied I had no acct. they insisted I did and owed them $ XXXX Which I did not ; explained what happened and faxed ALL paperwk/receipts to them. they could n't make anything out of the paperwk ; insisted I owed them $ XXXX This was a yr ago this past XX/XX/XXXX. Went to an attny, he wanted them to call Him. They took his name and ph # and supposedly never called attny. I sugg we go to court to sue but attny said it was n't worth it??? Now my credit score is in the toilet when it was XXXX and here I am not ever moving out of it??? I also found in my looking for paperwk/recepts what I had thought was a credit on my visa for the $ XXXX was in fact a charge of {$310.00} ... so I in fact paid for something I DO N'T HAVE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I took out a mortgage loan in 2006 because it was advertised as a low monthly payment and low interest rate. However, every month the mortgage payment kept increasing including the interest rate. I defaulted because the payment ended up getting so high that I was no longer able to afford the monthly payment. It was like if the bank wanted me to default on the loan on purpose. I also tried to modify the loan several times but it was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have disputed with the company many times about reporting my account as delinquent. I have sent in my bank statement showing on time payments for the due amount or more. The company just reported " late payments '' the credit reporting agencies from  XXXX     2015 to   XXXX     2015. The y are reportin g 9 missed  payments. This reporting is incorrect and causing issues on me being able to obtain financing. I went through this with the company on another account and for this account already. Something needs to be done as I am ready to obtain counseling for this issue.     I have attached my bank statement for ye ar 2015 showi ng a payment every month to  XXXX  Web Pmt Single - Online Pmt  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Payday loan, title loan, or personal loan (Personal line of credit) with WELLS FARGO & COMPANY (VA).
Issue: Problem when making payments

Complaint: To whom it May Concern On XX/XX/XXXX, I received my account statement for my Personal Credit Line N XXXX, but I do not agree the interest rate on it. I have been complaining this account several times regarding the misleading and unfair interest rate Wells Fargo have been charging me these months. For example, in the statement ofXX/XX/XXXX, they applied an interest rate of 20.05 %, but in XXXX the interest rate changed to 20.75 %. Despite I have been paying more than half of the credit line, the interest rate still is unfairly increasing monthly. This unjustified and wrong action that has been taking by Wells Fargo against its clients must be stopped by a competent authority. 
I would take the respective actions, if Wells Fargo keep charging me this high and unreasonable interest rates. Also, I would stop my payments until my complaint was considered and my interest rate get changed to the initial yearly interest rate of 8.5 % ; which was offered to me when I filled and summited the application for this credit line in the XXXX XXXX store. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/23/2015 about Mortgage (Conventional fixed mortgage) with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Application, originator, mortgage broker

Complaint: I applied to a refinance advertisement that was mailed to my address by Capital One Bank during XXXX 2015, with a coupon offer of $ XXXX credit towards closing cost. I called them and talked to XXXX XXXX XXXX, Loan officer @ XXXX. We negotiated to refinance my existing loan with XXXX XXXX XXXX at 3.15 % for fifteen years fixed. I locked in the rate and she mailed me the application package. I filled it, package with all the paper works, and gave them my credit card number for processing fee of @ XXXX to be charged after the loan has been approved and closed along with all other closing cost. I received an acknowledgement that they have received all the papers and my application is complete. We will close the loan on XXXX XXXX 2015. After couple of weeks XXXX XXXX XXXX called for some other papers to be signed and I complied with it. After my several call to XXXX XXXX, gave me the number of XXXX XXXX XXXX loan XXXX XXXX. 
After couple of weeks later when I called he said that my loan application has been cancelled due non compliance of their paper works in time. I told him that Capital One Bank has acknowledged me that they have received all paperwork and my application is complete. 
I told him, please let me know in writing that you are cancelling my application due to what ground and what further paperwork you need from me, so that I can comply with it. 
He never replied and after my repeated calls he is telling me since my original application is cancelled and he can not do anything, but he can offer me another refinance loan with a current rate which will be little higher. In the mean time they are holding my processing cost of $ XXXX and not answer my calls or emails at all. This complain is to intervene this matter with online Capital one bank to comply with the Federal fair lending acts. 
XXXX XXXX Loan No. XXXX. No. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OCWEN LOAN SERVICING 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: My payment for  XXXX     2017 to my mortgage payment to Ocwen Mortgage is missing in my   XXXX   Credit report (  see attachment ) and also my Credit report was last updated  XXXX   XXXX ,  2017  by my credit reporting agency

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was astonished when I looked at my XXXX, XXXX  and TransUnion credit reports and realized that I was reported as having a late payment on the date below : 120 days past due as of XXXX XXXX 90 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX 60 days past due as of XXXX XXXX, XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

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 04/22/2015 about Mortgage (VA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I did not receive Notice of Sevice Transfer from Bank of America until 9 days before it is due to changee. I received it yesterday ( XXXX XXXX, 2015 ) even though the Notice Date says XXXX XXXX, 2015. If I am paying a bill through the mail and want to avoid late fees, it is MY responsibility to make sure that I send it in a timeframe which will guarantee it will arrive ON OR BEFORE the date it is due. Why is n't a BANK held to the same standards? Also, I do n't know if it is pertinent, but I am XXXX and they sold my loan to XXXX, a company that has been sued. I never missed a payment, my loan is in good standing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with ALLY FINANCIAL INC. (TX).
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint: I was purchasing a vehicle back in XXXX and Ally Financial ran my credit 7 times, there is no reason why it should put 7 inquiries on my credit report. I sent a verified letter to the dealership and to ally financial, and I got a response back that it was " factual ''. I am trying to purchase a home for my family right now and this is damaging 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 10-05-2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I, XXXX XXXX, would like to submit this complaint to CFPB in hopes of finding a resolution to settling my loan modification. I started this process ( loan modification ) back in XXXX of this year with Citi Mortgage and was approved for the loan modification ; However, I am in the process of losing my approval for my loan modification because I was informed by Citi Mortagae that my ex-husband had to sign the loan modification documents because his name was on the loan. Although this is accurate, my ex-husband signed over his legal rights to the home in the divorce decree and the warranty deed is in my name. I have attempted several times to get my ex-husband to sign the necessary documents for the loan modification but he has refused to sign and as a result of this, Citi Mortgage has decided to terminate my approval for the loan modification. It would be of great plesure if someone from your team could respond with next steps on how to get this issue resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AR Resources, Inc. (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I got a credit report from XXXX while I was applying for a job with XXXX in XXXX, XXXX. The XXXX. sent a false report to XXXX causing me not to get hired. These are some of the problems with my credit reports : 1. AR Resources is a collection service that said I owed XXXX dollars to XXXX XXXX ( XXXX ) XXXX or ( XXXX ) XXXX. When I called XXXX, I had a XXXX balance because XXXX has paid all of my bills. 
2. I never lived at XXXX, XXXX XXXX 3. I do n't know what these are because I never made or met these : XXXX and XXXX and XXXX Card.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Debt collection (Other debt) with M. G. Credit, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: In XX/XX/2018 and prior I have disputed the negative account with all three collection bureaus and spoke to a representative explaining that the debt was not mine. I was able to show that I lived nowhere near the area at the time the debt was taken out. This debt is for a gym membership in XXXX, Ga.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Debt collection (Payday loan) with Clear Debt Solutions, LLC (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Continue to get calls at my workplace when asked not to! Also, leaving messages, or trying to speak to co-workers to try to contact me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Credit card () with CITIBANK, N.A. (NC).
Issue: Delinquent account

Complaint: I am writing in regards to how Citibank reported me as past due and did not even bother to contact me through any of their customer contact channels. I had to find out when my card was declined at a merchant. I opened this new account because Citibank hounded me to open an additional account as they took over the XXXX XXXX partnership. After 6 months of solicitations, I chose to do so and apply - and within 3 months they made an error and reported me past due. I am very frustrated as I have had a relationship with Citibank since 2000 and have NEVER been past due on any accounts. I am very concerned as this will impact my credit score and impact my ability to refinance my mortgage and apply for student loans for my children as they starting college soon.

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 04/19/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with DISCOVER BANK (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Discover PL has put and account into collections several times for the same account. At one point, Discover PL file d a suit in a court that was more than  XXXX  miles from my home. I had no way to attend, had I known ( I was never contacted or served ). The judge ended up dismissing the  suit. Discover PL continu es to report this account, even though a judge has dismissed. Perhaps they have filed a suit again, I do not know as I have not been contacted, just like before. But no w Discover PL is   reporting to  XXXX  as a delinquent account and as a new open collections account at the same time.  XXXX  allows it because it 's fro m Discover PL.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have disputed several times several public records listed on my personal credit file with Equifax. There are inaccurate remarks and even duplication 's. I ca n't get anywhere with this agency. Please help as they are listing # XXXX tax lien for {$80000.00}, # XXXX tax lien again for {$80000.00}, # XXXX {$1700.00} and # XXXX tax lien XXXX I do not owe any tax liens and these are a mistakes listed. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2015 about Credit card () with TD BANK US HOLDING COMPANY (FL).
Issue: Closing/Cancelling account

Complaint: I want this account to be removed from XXXX closed account XXXX/XXXX/09 with XXXX balance.

Company response to consumer: Closed with non-monetary relief