milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/29/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: 1- XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1200.00}. But Ocwen billed me for {$1200.00}. Difference of {$19.00} 2- XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1200.00}. But Ocwen billed me for {$1200.00}. Difference of {$19.00} 3- XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1200.00}. But Ocwen billed me for {$1200.00}. Difference of {$19.00} XXXX XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1200.00}. But Ocwen billed me for XXXX. Difference of {$19.00} 5- XXXX payment according to Ocwen and the paper work Ocwen sent me my total monthly payment for XXXX is {$1200.00}. But Ocwen billed me for {$1200.00}. Difference of {$19.00} 5- XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1200.00}. But Ocwen billed me for XXXX Difference of {$19.00} 6- XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1200.00}. But Ocwen billed me for {$1200.00}. Difference of {$19.00} 7- XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1200.00}. But Ocwen billed me for {$1200.00}. Difference of {$19.00}. 
8- XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1100.00}. But Ocwen billed me for {$1200.00}. Difference of {$53.00}. On this date my interest rate is 3.875 % payoff amount per Ocwen is {$170000.00}. Ocwen took over my loan at the amount of {$20000.00} at the same interest rate. Should n't the monthly payment be dropping since 3.875 % of {$170000.00} is less than 3.875 % of {$200000.00}? But Ocwen has been raising my escrow payment it seems to make the difference. 
9- XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1100.00}. But Ocwen billed me for {$1200.00}. Difference of {$58.00} 10- XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1100.00}. But Ocwen billed me for {$1200.00}. Difference of {$53.00} 11- XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1100.00}. But Ocwen billed me for {$1200.00}. Difference of {$53.00}. 
This is a difference of {$350.00} That should of been applied to the principal of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: After depositing a payroll check, the bank made available an amount which I used to make a transfer {$200.00} later. one day after, I realized they had removed the available amount, making the whole check unavailable since XX/XX/XXXX until XX/XX/XXXX, this is a company check, I have already deposited three checks from three different payroll period for the same company. As a result, my account has now an insufficient funds fee of {$35.00}, and they say the only solution is me depositing the {$200.00} in order to avoid additional insufficient funds fee. I have left the bank without a solution, without funds in my account, and with the threat of additional fee, all caused for bank errors.

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 06-03-2015 about Debt collection (I do not know) with Premier Recovery Group (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: A message were left on my voice mail by phone number XXXX. I retrieved the message and a mail voice said " This is a call XXXX a call is required for a statement from myself or my attorney. I called the number and after multiple attempts a female answer and I gave the reference number which was left on my voice mail. The female caller were asking question to verify information, I stated I do n't know anything and refrain from calling this cell number. The person then went on to say " I will contact you through your employer and have you arrested. ''

Company response to consumer: Closed
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Hello, My name is  XXXX   XXXX . I have a  XXXX  account : Account :  XXXX  Current Balance : {$21000.00} Past Due Amount : {$0.00} Current Amount Due : {$61.00} Payment Amount : {$61.00} Due Date: XX/XX/2017  I re-consolidated my loans after they were damaging my credit back in  XXXX  of   XXXX  . I have made my payments on time since then. I thought that everything was being handled but I was n't told about a loan for {$3300.00} that I had defaulted on twice. My credit report is reporting the loan at  XXXX  but when I reached out to them they stated that my debt to  XXXX  was at  XXXX . The  XXXX  account does n't list the loan! They also said I could not pay it over the internet, that I had to call and pay it over the phone.     This seems extremely predatory and I will call them and work to reestablish my credit, but others like me might not be able to because of these shady practices. Please let me know if you can assist me with this. I will cooperate as much as I can.       Thanks,  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (DE).
Issue: Billing disputes

Complaint: On XXXX/XXXX/16, I purchased a voucher from XXXX for {$35.00} using my Capital One Venture card ending in XXXX to clean my air ducts. I redeemed my voucher before the expiration period ( redeemed around XXXX/XXXX/16, expired on or around XXXX/XXXX/16 ). The merchant, XXXX XXXX XXXX XXXX, was not able to get a rep out until XXXX/XXXX/16, after the expiration of the voucher. The rep advised that they could not clean my air ducts because my AC unit was in the ceiling. 

I called XXXX XXXX XXXX XXXX, who said that they can not redeem the {$35.00}, and to contact XXXX. So I called XXXX, who has said that the voucher has expired and the money was sent to XXXX XXXX XXXX XXXX, and to call them. I submitted a XXXX complaint with Living Social, and still got nowhere, and was told to contact XXXX XXXX XXXX XXXX. This is where it gets comical ... so today,XX/XX/2016, I three-way called both XXXX and XXXX - they literally were yelling at each other over who was going to refund me the {$35.00}. They both acknowledged that the service was left unrendered, and that I was owed money. At the end of the call, XXXX XXXX XXXX XXXX advised that they would " unredeem '' the voucher and XXXX said once that is done, they will refund my {$35.00}. So ... wait for it ... I waited 2 hours, called XXXX back, and they refused to refund me the {$35.00} because it expired XXXX/XXXX/16. 

I literally can not make this story up - this is a true story and a valid dispute. I was conned out of {$35.00} and these XXXX companies will not work together to refund me the money. 

I am sorry that I am submitting a complaint to Capital One and disputing this charge, but this is the last resort I have before contacting my attorney. I understand that this is increasing your complaint volume, but I would really appreciate it if you can do the right thing here and help me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: On XXXX separate occurrences during the winter of XXXX of XXXX I was told many times that I was not able to remove my father as a co signer. I was also told that I was not able to have my interest rate of XXXX percent refinanced. I was told that there was nothing I can do and that this is something I would have to deal with. They never explained ways that I can try and beat the debt only ways to prolong paying. Currently I 'm not able to get above the principle of the loan and currently see no end in site to paying this off.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (MI).
Issue: Unauthorized transactions/trans. issues

Complaint: I use a prepaid American Express bluebird card. The card I have is a replacement for the previous card that " had been exposed to a hacker at a retailer I shop at '' ( according to AMEX XXXX. I made a purchase at XXXX and AMEX failed to pay, so the order was cancelled. This happened a second time, but I caught it before the order was cancelled and called AMEX, who in turn, immediately released the money to XXXX. XXXX XXXX, I placed {$20.00} on my card and placed an order at XXXX for ink ( for {$25.00} XXXX, but cancelled it because I needed to order more than just the one. XXXX XXXX, I placed another {$20.00} on the card for a total {$40.00} reload in 2-days time, and what should have been a balance of {$41.00} on the card. Then, on XXXX XXXX, I ordered an ink value pack ( for {$25.00} XXXX. That payment was never paid out to XXXX by AMEX, when requested, even though the money was on the card, and my order was cancelled by XXXX. I called AMEX and they are telling me that they have no idea why the money was n't paid, since it was sitting there on the card and available. Well, before I realized this, I placed another {$20.00} on the card so that I could order the ink again. Then I realized, after placing the order, that there was in the span of this time, between the money placed on the card and money used to purchase items, there is around {$41.00} unaccounted for by AMEX. The case number with them is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Debt collection (Payday loan debt) with BTH Management (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Was a victim of identity theft a fraudulent account was open in my name using my identity would not furnished me a copy of a sign documents with my live signature on it.

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 11-08-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Cash advance fee

Complaint: I used an online money transfer service to pay for goods or services. I funded the transfer using my Capital One credit card. After several months I noticed that I was being charged a higher rate along with a separate interest charge each month. So I called the customer services department for clarification. I was told that I was being charged the extra fees for a cash advance. I told the rep that the info was incorrect and that I had never had a cash advance. They transferred me to a supervisor for better assistance. The supervisor told me that when I used the money transfer its considered a cash advance. I told her I never received any cash to me. At this time I was still trying to process the info and research to see if that information was correct. I started looking at my agreement with Capital One, and there explanation of fees. I could n't find anything that states that a online money transfer service is considered a cash advance. What I did find on there website that say 's understanding credit card terms. " A cash advance is not a regular credit card charge. A cash advance allows you to withdraw cash from an ATM, bank or by using checks given to you by the issuer for use when paying with your card is not an option. Be aware that while a cash advance may be useful in an emergency, it is usually expensive. You may be required to pay a transaction fee as well as finance charges. '' After further research online I found several sources such as money.XXXX and source : XXXX XXXX XXXX XXXX. They state the following ; " Fortunately, if you do use a credit card to apply funds to an online money transfer, credit card companies view it as a purchase, not a cash advance, because the money is not going to you. As far as the credit card company is concerned, you are purchasing a service. This is far more economically sound than using a credit card cash advance '' After finding several sources that explained this I quickly called back the supervisor and ask them to remove these charges. She declined with no explanation. I asked her to provide me where I can find on our agreement or on there website that justifies theses charges. She could not provide. I told her of my findings and explained that I purchased a service and that no cash was given to me. The supervisor told me that Capital One could do whatever they wanted and I could n't do anything about. I did n't have the means to fight with Capital One legally. I could n't believe what I was hearing. I 've never seen a company charge customers what ever they want and not have an agreement to back it up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

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

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 01-04-2017 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (TX).
Issue: Managing the loan or lease

Complaint: I had a auto loan with Wells Fargo Dealer Services for a XX/XX/XXXX XXXX. I traded the XXXX in for another XXXX and the trade-in dealer requested a payoff quote from Wells Fargo on XX/XX/XXXX. I had a payment due to Wells Fargo by XX/XX/XXXX for the XXXX. After completing the transaction for the new vehicle the XXXX paid Wells Fargo over {$40000.00} for the payoff on the XXXX on or before XXXX XXXX, XXXX. On XX/XX/XXXX I get a call from Wells Fargo saying that I had a past due balance of {$46.00} that was 20 days past due. My next payment would n't have been due until XX/XX/XXXX. I told the Wells Fargo servicing rep that she received a payment of {$40000.00} in XX/XX/XXXX and there is no way that I have a balance past due. If the payoff was short that is XXXX thing but nothing is past due. She advised me that they do n't count the {$40000.00} payment that came in on the loan when considering past due amounts which is totally ridiculous. The rep at Wells Fargo 's name was XXXX and her ID was XXXX. She was rude and refused to answer my questions or pass me to someone who could have further dialogue about the incorrect past due balance. She intentionally made false statements in her communication with me in an attempt to collect the remaining {$46.00} dollars outstanding on the payoff of the vehicle.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/22/2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (NY).
Issue: Closing on a mortgage

Complaint: I took a mortgage with  Citi in 2015. My wi fe and I moved assets to the bank to obtain a mortgage discount of 0.25 %. Within the last several weeks I received a check from Citi stating that they realized they had made a mistake and did not apply the agreed discount to the mortgage. They applied a 0.125 % discount instead of the full 0.25 % as agreed. They included a check for the amount  XXXX . This is for five years of interest on the difference between the agreed interest rate and what my wife and I are currently being charged. This was Citi 's mistake and because of it I am being forced to accept a partial reimbursement. They are only willing to provide me with a check for 5 years of the interest difference rather than the full 30 years. The difference is ov er 18,000 doll ars. This is not something my family can afford to accept. This is a long term home for our family as evidenced by a 30 year fixed loan and we should not have to accept  Citi  's partial payment for their mistake.

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 04/25/2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (VA).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: On  XXXX   XXXX   XXXX  I traded my  XXXX   XXXX   XXXX  for a  XXXX   XXXX   XXXX  pursuant to an accident on  XXXX   XXXX   XXXX . My wife did not like the old car after it was repaired and we opted for a newer different car. The  XXXX  dealer did not make the next timely payment nor payoff to the prior finance company (  WFDS  ). I received a late notice and submitted a {$600.00} loan payment by telephone on  XXXX   XXXX   XXXX . Subsequently I have tried to get my refund from WFDS who advises me they sent the payment on  XXXX   XXXX   XXXX  to my old address. On numerous occasions I notified WFDS by telephone that my new address is in  XXXX , VA and not  XXXX , VA. They are holding m e hostage to t heir procedures claiming that I have to sign and submit an affidavit that I did not receive the refund - in other words putting the burden on me for their inefficiencies. Plus to add insult to injury they did not send a postage paid return envelope. Based on the time value of money,  WFDS  is procrastinating refunding my overpayment plus an additional {$46.00} from the original payoff transaction. I contacted them in early  XXXX   XXXX  when we moved into the new house so they would have the correct address. I also contacted them in  XXXX ,  XXXX  and  XXXX . They claim not to have a record of the change of address until my follow-up complaint in  XXXX .   I have not seen their payment. I do n't have any idea where or if the payment was sent. I have no control over what they are doing with their procedures.   I would also propose that a fair penalty to them would  be 10 percent of the refund if they ever get it 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 explanation
Consumer complaint received 04-11-2016 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Account opening, closing, or management

Complaint: In XXXX 2015, my husband and I applied for a HELOC to consolidate debt and cover childcare expenses. We were told by the bank that we were not eligible for the product because we were not account holders, despite being account holders for many years. After that was corrected, we submitted the required paperwork to the bank and we were approved for a Home Equity Loan, not the requested HELOC, without consulting with us regarding the change to the application. Once again, the bank corrected their information, we collected and resubmitted all updated paperwork again, and we were approved for the HELOC product. We were then offered XXXX HELOC product options of which one was chosen immediately upon the offer. We then received an email from the bank that was intended for XXXX of their bankers, not us, that the offer that was made and accepted had changed yet again. This 5 month process has been unnecessarily complicated and drawn out due to the banks gross mishandling of their processes and has put our family in a stressful place. As responsible account holders, we seek immediate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a letter from a company named Transworld Systems Inc, who I believed took over accounts from XXXX. I have paid and settled this account with XXXX Transworld is not researching my previous account to show payment was made and account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Debt collection (Federal student loan debt) with ECMC Group, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Th e Educational Credit Management Co. ( ECMC ) is ha rassing me to pay a debt for a closed school I neither attended nor signed a loan agreement to attend and denied my request for a loan discharge in  accordance with procedures specified in paragraph ( d ) ( 6 ) ( i ) of 34 CFR 682.402 section A : ( d ) Closed School ( 6 ) Guaranty Agency Responsibilities  ( i ) Procedures applicable if a school closed on or after  XXXX   XXXX ,  XXXX , but prior to  XXXX   XXXX ,  XXXX .     ( A ) If a borrower received a loan for attendance at a school with a closure date on or after  XXXX   XXXX ,  XXXX , but prior to  XXXX   XXXX ,  XXXX , the loan  may be discharged i n accordance with the procedures specified in  paragraph ( d ) ( 6 ) ( i )  of this section.     ECMC confiscated my  XXXX  tax refund without a MPN on file and is aware the  XXXX   XXXX   XXXX   XXXX  has closed for recruiting violations in  XXXX  but is still attempting to collect my  XXXX  refund.

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