milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In either   XX/XX/XXXX  or  XX/XX/XXXX   I applied for a credit card with  XXXX    XXXX   Account #  XXXX . I then had a medical issue and went to the hospital followed by an extended stay for  XXXX . In   XX/XX/XXXX  I wa s made aware by  XXXX   XXXX  that my account was past due {$130.00}. These charges were for a {$75.00} annual fee followed by late fees. I told the representative that I was in the hospital and #  1 NEVER RECEIVED THE CARD AND # 2 NEVER ACTIVATED THE CARD. When I questioned the represe ntative as to how they could charge me without ever activating the card the representative agreed that this was a mistake and apologized and told me not to worry about any charges, that my account with the company would be closed and balance brought to {$0.00}. Although   XXXX   XXXX   updated the balance to {$0.00} on my credit reports they are still reporting a 30 day late payment on my credit for   XX/XX/XXXX  . I tried calling them again and even contacting the  XXXX  cred it bureaus (  Experian,  XXXX ,  and   XXXX   ) but,  the late payment is still there! How can this company report a 30 day late payment for a card I never received and NEVER ACTIVATED and ruin my credit!!! I 'm trying to buy a house and they are causing me undue harm. I 'm going to have to extend my lease instead of buy a house all because of this companies fraudulent activity and scam of trying to get money from me without me ever activating the card. Please help me get them to remove this late payment of my credit report. This company is a SCAM and the reason I 'm not in my own house right now!

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 10-02-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (HI).
Issue: Settlement process and costs

Complaint: XXXX XXXX, 2015Letters of Harassments. Beginning to receive letters from Bank of America, addressed from XXXX, Tx XXXX. Cover page states " Time Sensitive ''. Letter states " Thank you for sending your financial documents. Here 's what to expect next. Letter goes on and states that I have initiated home loan assistance. The sooner we receive your documents, the sooner we can evaluate your loan for " MODIFICATION ''. Letter has signature block of XXXX XXXX, Home Loan Team, Bank of America.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 01/29/2016 about Mortgage (FHA mortgage) with CITIBANK, N.A. (MO).
Issue: Loan servicing, payments, escrow account

Complaint: Citi Mortgage brought my loan. After approx 2 years they put me into a modification program. All payment where on time. I have receipts. They did not inform me that the payments where only partial payments nor when a year was up that I was no longer in program even after timely payments made. After almost two years they demanded {$14000.00}. Than they said if I sent them XXXX I would be put back into the program. Until I requested a credit report I did not know that every month that I paid in the program they reported a late payment, ruining my credit! Citi Mortgage even lied to The Hope program which I was working with for several months. Seven times I faxed the needed paper work to Citi and everytime they stated it was lost or not recieved even though I have the Fax report stating it was a successful send. We had a severe storm in our area and my insurance company and I made over XXXX dollars on improvements on the residence, which I had to notify Citi of the same. Three months after improvements where made, Hope said they did all they could do and Citi still not confirming they had received paper work after several 3 way calls with myself, Citi and Hope, they foreclosed on my home. After employee from Hope, I stated this was n't fair, this program was not how President Obama wanted carried out..She said, That 's what you get when you vote for Him '' and hung up. That was the last conversation I had till I received a notice that my house will be sold.A company said if I vacate within a certain time I would receive XXXX dollars. I not only did not receive the money but two months later they brought me to court stating I did not vacate. I showed the Judge my new lease and the case was dismissed. The person I was to meet to confirm that I had infact moved out never showed up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had a phone account with XXXX. As I was traveling abroad frequently I requested them to charge only to keep my number active. They did ask me to pay {$20.00} per month for one or two months and then refused to do any extension. so after two months they started to charge regular amount of $ 52.00+change, I then called them to disconnect my account and sent them my final payment of $ 52+change. They did not cancel my account and kept billing me for next two or thee months. When I called them why are they still sending me bills, when I had canceled this account. There reply was that they have no record of my calling them and still have to pay three months and late fees. I refused to pay as I was not responsible for their mistake. This is about four years back. I never received any letter from any credit company. Now they have put on my credit report thru some AFNI credit.This is more of a black mail as these companies can getaway because they are too big & nobody can fight with them.This so called debt is about four years old.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Account opening, closing, or management

Complaint: I managed a Trust Account through SunTrust Bank ; the Trust Account was established in XXXX XXXX. XX/XX/XXXX, the account was compromised when a check was intercepted and the original payee changed. I reported the fraud to the bank and XXXX XXXX XXXX, Personal Banker, was very helpful throughout the process. I requested that the old account be closed and a new account opened on XXXX XXXX, XXXX to avoid any future fraudulent activity. 
I submitted the same documents when I opened the original account to the Trust Department for review. Upon reviewing the document, they requested proof that the Will has been probated. I submitted the final document I received from the Orphans ' Court for XXXX XXXX County, Maryland. This document was also rejected -- now perplexed, I called the attorney whom probated the Will and was instructed to submit the original Letter of Administration from the State of Maryland and was further instructed to inform the bank that probate in the State of Maryland is not settled under seal, therefore, no court seal exits for the final accounting of the estate. I submitted same to the bank on XXXX XXXX, XXXX and got the manager of the branch involved in the matter. I received a called from XXXX XXXX this afternoon notifying me that the Trust Department rejected the information presented and that they are closing the new account and transferring the funds back to the original account where the fraudulent activity occurred. They refuse to speak with my attorney.

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 06/24/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Other fee

Complaint: XXXX/XXXX/16 : I spoke with a Chase Sapphire Preferred Customer Service representative about downgrading my card to a no annual fee card after seeing an annual fee appear on my statement. The representative told me that I had a 180day grace period to decide on the change and the annual fee would still be waived, so I chose not to downgrade my card that day to give myself time to decide whether to keep the card or not. 
XXXX/XXXX/16 : Spoke with XXXX ( XXXX? ) around XXXX PST on the Chase Sapphire Preferred Customer Service line to downgrade my card to a no annual fee card within the 180day grace period. She told me that the grace period for downgrades was actually 60 days, not 180, and that this has always been the company policy. Now instead of having the annual fee re-credited to my account, I have only received a prorated amount based on when I downgraded. 
XXXX/XXXX/16 : I called back to see if I could get any more information about the call I made in XX/XX/XXXX and spoke with a CSP supervisor regarding the misinformation, and he told me that there is no grace period for downgrades and that the annual fee would be prorated no matter the amount of time after the downgrade. He also put a complaint from me on file. 

I spoke to XXXX different people and got XXXX different answers, which can make up to a {$95.00} difference on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Disputed fraudulent accounts with Equifax on X/X/17 and did not get results back until X/X/17

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Bank account or service (Other bank product/service) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Making/receiving payments, sending money

Complaint: On or about XXXX XXXX, 2016 I received a letter stated that Huntington Bank had not received my mortgage payment on Account No. XXXX. On or about XXXX XXXX, 2016 I visited the XXXX XXXX Branch and met with the Branch Manager XXXX XXXX I presented him copies cancelled checks on both mortgage accounts. He called the account center and after research stated they found record of payment received and could not understand why the late payment letter was generated. 

On of about XXXX XXXX, 2016 received a call from Huntington Representative XXXX XXXX He stated that they had not received my mortgage payment. I explain my meeting with XXXX XXXX. On or about XXXX XXXX, 2016 received a called from Huntington Representative XXXX XXXX, he stated they had not received payment but later changed his allegation and stated they received a payment of {$2000.00} but my mortgage payment amount is {$2300.00}. I emailed a copy of my cancelled check showing Huntington cashed my check on XXXX XXXX, 2016 in the amount of {$2300.00}. My mortgage due date is XXXX XXXX, 2016. 

I have had this account for about 15 years. To the best of my knowledge I have never been late. It appears that Huntington Bank is attempting to jeopardize my excellent credit history so that I will not qualify for a line of credit on another account. 

Copy of cancelled check and mortgage invoice attached.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/2017 I submitted a complaint to your office pertaining to a problem we had with Ocwen our loan servicer. Ocwen responded that they were not at fault. and I could either bring the loan current or apply for a loan modification. I submitted a complaint to the Attorney Generals office on XX/XX/2017 about this same problem. I received the same response. I applied for the loan modification on by XX/XX/2017. I 'm still waiting to here back from Ocwen. While awaiting a response from Ocwen I recently received a notice of default letter from the XXXX company. I 'm confused can two companies on my loan I 'm concerned that Ocwen may have sold our loan to this new loan companywhile we were waiting for a response back from XXXX the complaint process. Is this process legal? Can Ocwen proceed and we are requesting that Ocwen provide the original loan documents to your office under the public disclosure act. I urge your office do review the loan amounts and fees that have increased. I 'm requesting urgent response to this matter as do to the notice of default letter I have a short period of time before a sale of our property may occur. As a Veteran who has served this country I find this type of lending practices to be deplorable!

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I disputed information on my Credit Report with Experian and XXXX. Both refuse to delete old accounts that are past the exertion dates or take of accounts like my old IRS bill that has been paid even after submitting proof. They will not allow me to dispute inaccurate information because they said I have already disputed it before even though things have changed since them, ie IRS.

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 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: This is a complaint against XXXX card, XXXX. Inquiries date : XXXX XXXX and also XXXX XXXX. I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission.

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 09/16/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Problems caused by my funds being low

Complaint: I am very upset with Bank of America on the {$700.00} they have taken from my checkingaccount since XXXX of 2014 up until today. Numerous times they have accessed overdraft fees of {$35.00} for overdrafts and extended overdrafts even though my account balance was positive but because debit card and checks where presented that night and only showing a processing and not actually been paid they are accessing the overdraft fees. This should be against the law. To make matters worse direct deposits of my paychecks are showing but only being cleared the next day so that they can deduct the overdrafts first then process my direct deposits. Is there anything that I can do or a lawyer that I can contact to sue B of A to get the {$700.00} overdraft fees returned to me?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/27/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MS).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: My student loans were transferred to Navient without my consent or knowledge. Navient werent the agreed lender at the borrowing time. XX/XX/XXXX in the amount of {$3300.00} and XX/XX/XXXX in the amount of {$3000.00}. The original amount per loan were {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Money transfer, virtual currency, or money service (Check cashing service) with Fidelity National Information Services, Inc. (FNIS) (CA).
Issue: Fraud or scam

Complaint: deposited check via mobile app into XXXX XXXX ( XXXX XXXX  XXXX  account ) XXXX XXXX credited my account and then debited the account saying they never cashed the check. I contacted certegy ( XXXX XXXX XXXX processor ) and they over the phone claimed that they cant verify the check was cashed or not. they can only provide information if they approved the check cashing transaction or not. I requested my full report from certegy ( check services ) and listed under cashed checks was this check I deposited into my XXXX   XXXX XXXX account. Ive been scammed XXXX XXXX refuses to make deposit available and certegy is playing along. both doing Fruad and scamming people BE AWARE PEOPLE!

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 01-09-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: I attended XXXX from XXXX to XXXX and I was paying for my tuition. I was working two jobs during that era and had no financial difficulties. XXXX official or their financial department called me up to sign in for student aid from XXXX, I told them that I do not need a loan and they told me that each student had to sign in for a loan. Since I was new in the country I did not know what all that loan process was. Nevertheless, I did sign some papers in their financial office but I had never received any money from XXXX or from any company concerning federal student loans. 
I hereby submitting this complain against this company called Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid the debt with a settle offer. Please help me remove it from my credit report because I am trying to purchase a home and this is slowing the process. Thank you for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX sent an account which is not mine to XXXX XXXX. I disputed the debt, and they fixed the problem and removed the tradeline from my report. Last time I checked my report it is now back on there by another agency Diversified consultants. Same debt, same amount. I do not owe this!! XXXX allowed an order to be placed in my name but shipped phones to an address in XXXX XXXX IL which is about XXXX miles from my home address. This was found out when I disputed the first time. They admitted the phones order was placed online and the phones were shipped to an address other than mine. I complained to XXXX reguarding this and DCI sent me a form to be filled out with XXXX which had been done previously with XXXX and I refuse to do again because a fraud hit on my credit report will hurt more than this tradeline. I am running out of options as DCI are very hard people to deal with. My next options are to report sprint to XXXX, and CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Trouble during payment process

Complaint: Once we open a case with you in XX/XX/XXXX regarding over {$5000.00} in funds in escrow account, Ocwen Loan Servicing has stop accepting our ( P & I ) payments from them. I have been talking to an escalation manager at Ocwen whose name is XXXX XXXX ID # XXXX ). I have also faxed documentation to Ocwen Research dept, per XXXX suggestion. XXXX confirm receipt of documentation. My question to you is if I am able to prove that Ocwen failed to pay my taxes & insurance on this loan which " I THINK '' is a violation of RESPA laws, can I recover my attorney fees from Ocwen if I have to hire an attorney to resolve this issue. Payments that were not made happen in XXXX which was the year our XXXX XXXX bankruptcy was confirmed. Discharge of bankruptcy was XXXX XXXX. Please advise if recovery of legal fees in a private lawsuit is applicable per RESPA laws. Recently, every 2 weeks we receive a call from XXXX saying they need more time. I think the recent refusal to accept payments is to trigger foreclosure on this property. As of today 's date XXXX XXXX XXXX, they have returned 2 payments ( P & I ). Also this year I was paying home owner 's insurance quarterly ( XXXX XXXX ) and Ocwen paid the insurance for the first time since XXXX. XXXX XXXX sent me a check back after Ocwen submitted payment. We pay our taxes quarterly so maybe they will send in the taxes for this year also.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NV).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I received a promotional ad claiming I would receive {$250.00} if opened a checking account and followed the terms which I have met all the requirements of. I have since been into a branch around midXX/XX/XXXX where they confirmed I qualified and that the funds would be deposited to my account. After waiting 2 weeks and still not receiving my promotional {$250.00}, I called customer service on XX/XX/XXXXat XXXX and spoke with a manager named XXXX who adviced me the funds would be deposited to my account by XXXXX XXXXXXXXXXXXXXXXX/XX/XXXXX/span>. Again, there has yet to be a deposit made to my account. I have a letter from my account opening stating I am entitled to a bonus offer and the reward offer code is XXXX. This needs to be resolved immediately.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: on X/X/17 Equifax announced their information was breached through a Cybersecurity Incident, I am on the list of potentially impacted consumers

Company response to consumer: Closed with explanation