milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/27/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX/XXXX/2015, I received a letter stating that Ocwen has not received my payment for XXXX/XXXX/2015. Please find attached an email from Ocwen ( under document proof payments ) stating that they have received such payment on XXXX/XXXX/2015 ( before XXXX when late payment fees can be assessed ). Additionally, it said on the notice that a late charge has been assessed but in the itemization of current amount due, it stated that there were no current late charges and the balance due was {$1400.00} and {$87.00} for the negative escrow balance for forced placed insurance which was under review at that time. 
On Friday XXXX XXXX, 2015, I received a letter dated XXXX XXXX, 2015 stating that I have {$3300.00} of past due payments. Please see attached proof of payments for {$1400.00} made for XXXX XXXX, 2015 through XXXX XXXX, 2015 which does not explain the past due amount stated on the letter. 
Additionally, I sent a check in the amount {$1000.00} to their office on XXXX XXXX, 2015 to pay off the negative escrow account for the force placed insurance from XXXX while I am trying to go back to the insurance companies to research the information. I should not have any past due amounts for the mortgage payments or late fees as I have been paying it monthly before the XXXX of each month. As of XXXX XXXX, 2015, I should not have any negative escrow account as I sent a check to cover the entire balance. 
Consequently, I am asking Ocwen to please address the discrepancies on their statements so that they can reflect the right amount of the mortgage payments XXXX principal and interest ) in the amount of {$1400.00} moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: My husband, XXXX XXXX XXXX, recently passed away. He has a checking account with Wells Fargo bank. In 2013 my name was also on the account and for personal reasons we decided to take my name off from the account. I went with my husband to the bank to do this. My husband requested that I remain on the account as beneficiary only. When I went in with the Cert. of Death and all necessary paperwork ( even marriage cert. ) to close his account I was informed that my husband had no beneficiary listed on his account. Clearly this was an error made by the person who handled taking my name of from the account in 2013. They neglected to list me as a beneficiary. I was told I would have to go through probate to claim the account. There is only $ XXXX.- {$60.00} remaining in the account. Probate would likely cost me more than that. Although, to many that is n't much money, I am alone in Florida with no money right now. It is important to me. My husband had been XXXX and unable to work for about a year and I cared for him. I am eating with an EBT card and only receive $ XXXX./ month Social Security. Unfortunately, in the absence of my deceased husband, there is no authority at the bank to correct the error made in 2013.

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 09/27/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: Bank of America continues to charge me overdraft protection transfer fees when my account has not be overdrawn and no protection fees have been transferred. When I contacted them yesterday to try to resolve the issue, they refuse to reverse the fees even though they have no justifiable reason for enforcing them. They have recently XXXX online support for this issue so that there is no paper trail for their handling of the situation. Again, my account was never overdrawn and there was no need for overdraft protection, but it was applied by the bank regardless and then a fee was assessed. This occurred on XXXX/XXXX/16 among various other occasions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (NV).
Issue: Managing the loan or lease

Complaint: Chase auto finance has repeatedly refused to report accurate information to the credit bureaus in regards to an auto loan that I have with them. Now they have decided to not report the loan at all and deleted the entire account from my credit report. This was done after I asked for them to report the correct balance owed to the credit reporting agencies. The loan was only being reported to XXXX of the XXXX bureaus and the balance they reported each month was the same XXXX, instead of the actual balance. Every call made to the executive office was ignored, until I finally escalated the issue to someone who made the decision to just delete it entirley instead of just reporting it as it should be. The entire duration of the loan I have encountered numerous reporting issues all that had to be escalated to be resolved, and dozens of phone calls made with promises of issues to be resolved and never addressed correctly. This loan was not included in a bankruptcy and they continue to treat it as such and are not following the laws and I have damages as a result of their actions impacting my credit history. My excellent payment history over the last 5 years has been deleted arbitrarily and this needs to be addressed as they are defrauding me as a consumer at my expense.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Prepaid card (Gift or merchant card) with Blackhawk Network Holdings Inc. (IA).
Issue: Managing, opening, or closing account

Complaint: 1 ) Vis  a  does not disclose a human contact number for its 'giftcardmall.com/mygift '. I had to find a corporate number and i was told to enter  XXXX  # twice on the automated phone line to get human help. No option on the phone system to get human help  2 ) Visa doe s not disclose they do not do business with the  XXXX  website or the  XXXX  company itself. Instead  XXXX  declines the transaction and says the card does not match the customer registration name forcing the customer to try and contact the company. ( I.e. #  XXXX   ) 3   ) V  isa 's em ail complaint system limits consumer coplaints to  XXXX  characters.    4 ) Visa  's 'I am not a robot ' system is designed to frustrate customer to give up on their complaints.    5 ) Visa  's human rep speaks  XXXX  poorly and then become aggressive at end when consumer does not hang up first, but is waiting to see if there is a customer satisfaction survey at end of call.      *** Visa  needs to publish an online black list of businesses they do not do business with so customers do n't get declined when they try to do an online purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Regarding reporting to the credit bureaus, this is very disturbing to me that when I called to get information about my accounts to XXXX XXXX in XX/XX/XXXX, I was assured that there would be no reporting of any negative actions until around early XX/XX/XXXX or after, if my account was not made up to date ; however, when I looked into my credit reports XXXX XXXX already started reporting to XXXX and Transunion that my account was past due 30 days on XX/XX/XXXX, which is much earlier than what I was informed it would be reported. The information was reported early to XXXX on XX/XX/XXXX. Transunion should have also stopped reporting by XX/XX/XXXX, yet they continue to excessively report it at 120 days 3xs this excess reporting needs to be removed from the account immediately. 
Additionally, another alarming detail is that although my account was closed in XX/XX/XXXX, which I was informed after the fact, then why was there additional reporting to the credit bureaus that my account was late after it was closed ; why? my account should have been reported as closed and reporting should have stopped ; yet my account was reported late for 6 months including 2 months of reporting before it was supposed to be reported as late and an additional 4 months after it was supposed to be closed. 
This early and unnecessary reporting has caused damage and rapid decline to my credit score. 
Please remove these excess reporting by XXXX XXXX and the Credit Bureaus off of my credit report. 
Please correct this matter to all three credit bureaus immediately and correct reporting to credit bureaus by erasing reports before and after XX/XX/XXXX, which is when the account was supposedly " closed. '' I have brought up other issues with this credit card account with XXXX XXXX, previously.

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 12/16/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AK).
Issue: Closing/Cancelling account

Complaint: Received XXXX statement with annual fee assessed on XX/XX/XXXX. Called Capitol One 's operator XX/XX/XXXX upon bill receipt, since I have not used this card in almost two years I determined I did n't need it. Not a problem we will cancel the card. Followed up my telecom with a letter mailed XX/XX/XXXX. Yesterday I received a XXXX statement showing the previous annual fee charge with additional late fees etc. Called today, XX/XX/XXXX and the operator said since I did n't pay the annual fee for the coming year I was assessed the late fees regardless of the fact I cancelled the card and the original operator told me since I was cancelling the card there was no annual fee due.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-06-2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: In XXXX 2015 my wife and I requested our free credit reports from XXXX and in XXXX 2015 we requested them from Equifax , all XXXX online. Despite previously having gotten these reports online for several years with no problem and with no documentation required, we were both suddenly denied this by both companies and told we had to apply by regular mail, and to include numerous personal identification and financial documents. This is a nuisance and we inquired why, both in writing and by telephone, but were stonewalled and given no information. We were told simply that this is the procedure and no further information is available. The inconvenience is in having to assemble and mail these documents, wait several weeks for the reports to be sent, then having to scan them into the computer so as not to keep large amounts of paper reports on hand for years. Again, no explanation was given why we were denied, despite repeated requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/13/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Portfolio Recovery Associates sued me for a debt that was not mine. They said it was from a credit card I had in XX/XX/XXXX and they were garnishing my wages inn XX/XX/XXXX thru a court order I knew nothing about because they sent the summons to an address I had n't lived at since XX/XX/XXXX. I tried to call them to let them know and they were extremely rude. I found an old credit report filed away that said I had that card and it was opened the same day as the one I was sued for but the account numbers did not match up. I called PFR and they said it was my debt and did not want to hear what I had to say and when I asked if they could give me proof they said the original debt collector ( XXXX ) had the info. When I called XXXX they asked me for the account number and my SS # and told me it did not match the account and I would have to call the 3rd party debt buyer. When I called PFR back with the findings they told me that they owned the debt and XXXX should not have told me any thing when I called XXXX back the next day they refused to talk to me any more that the account was locked and told me they could not help me which I thought was weird because the day prior they were able to at least tell me the account was not mine. I live in XXXX and was sued in XXXX courts because that is where I lived when the debt had originally occurred so I had to miss multiple days of work and try to figure it out and get help. I was able to get it vacated because I had prof that I did not live at the address the summons was sent to. They were ordered to pay me back all garnished wages. They did pay me back everything but {$5.00} which I was tired of fighting with them and do not have the time to fight for it. I do have all documents needed to prove my case. During all of this I did keep calling them to see if they would listen and some were OK to me and others were down right rude. I actually had a guy that said I do n't pay my bills and he pulled up my credit profile and was naming off medical bills that were past due, told me I was cunning, and he did n't have time to talk to me because he had to talk to people that were actually willing to pay their bills.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-11-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (UT).
Issue: Money was not available when promised

Complaint: XX/XX/XXXX XXXX XXXX - Sold XXXX Bitcoin to CoinBase at a price of {$16000.00} per coin. {$1200.00} - {$18.00} ( fee ) means that {$1200.00} USD was supposed to be deposited into my linked bank account by XX/XX/XXXX. 

XX/XX/XXXX - Opened up support ticket and only received automated response confirming ticket had been made. 

XX/XX/XXXX - Direct messaged CoinBaseSupport on XXXX, explaining my situation and asking for an update on my funds, with no response. 

XX/XX/XXXX - Direct messaged CoinBase Admins on XXXX, who are all verified employees of CoinBase, with no response. 

XX/XX/XXXX - Complaint with CFPB filed.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2015 about Debt collection (Federal student loan) with Navient Solutions, LLC. (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I have asked in the past to not be contacted by this company via telephone. They call at least XXXX times per day. I sometimes receive calls from other numbers that are either someone 's personal number or from a different location. They have also called my mother numerous times, even though I do not have any other contact information listed. They call my mother multiple times a day, asking her personal questions about me such a my date of birth, address, etc. They even told my mother that they called me XXXX times. They even disclosed the amount that I owed to her.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Bank account or service (Other bank product/service) with SUNTRUST BANKS, INC. (PA).
Issue: Account opening, closing, or management

Complaint: SunTrust Bank received a payoff on a consumer loan for a double wide mobile home in my name and my wife 's name and instead of sending us the title they filed a lien in the name of XXXX bank and forwarded the title to XXXX bank whose sole role was to issue a check for us. XXXX Bank has no financial interest in our loan on our double wide trailer. Additionally XXXX bank is unable to deliver the title to us as they do not seem to have it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: In CFPB Filing # XXXX XXXX XXXX XXXX XXXX stated that they CAN summarily make changes to a Mortgage without the PRIMARY signatories signature, by virtue of a Divorce Decree. In the Divorce Decree between myself and XXXX XXXX XXXX is a SPECIAL WARRANTY DEED, which is NOT THE same as a Quit Claim Deed. I have checked this with several Lawyers and even with the FBI. So, instead of fixing the problem, XXXX decides to CLOSE the offending case file, then open a NEW ONE, again without my signature. So, since XXXX XXXX XXXX can not pay on time, it shows up on my credit report. This is getting very tiresome, and this is exactly what XXXX XXXX was fined millions of dollars for, opening accounts without permission from those people. I want this stopped immediately. 

This is their response for Complaint # XXXX : We 've been unable to establish contact with you regarding you concerns about the credit reporting of your account. A Divorce Decree and/or Special Warranty Deed may transfer title to the property, but it does n't affect the original terms of the Note. Since you 're a customer under the Note, we 'll continue to report this account under your name to the consumer reporting agencies. On XX/XX/XXXX, we mailed you a notice that we were making a change to our servicing system. We did not open a new account for your loan, we simply moved your existing account to another servicing system within XXXX XXXX. Effective XX/XX/XXXX, your loan number changed from XXXX to XXXX. The account is currently due for the XX/XX/XXXX payment. 

I have never been contacted with any of this information. Ever. I am willing to submit my home phone number logs ( XXXX ) XXXX or my cell phone logs ( XXXX ) XXXX as evidence in Federal Court to prove that they never bothered to attempt contact. As I am a Federal Law Enforcement Officer, they have committed a Felony under 18 USC 1001. XXXX XXXX continually commits the exact same type of Fraud that they were convicted of in Federal Court. Also, they FAIL TO MENTION that they CHANGED the note WITHOUT my signature or consent, their OWN paperwork shows where my SIGNATURE is REQUIRED, yet they changed the NOTE at that point. 

The CFPB seriously needs to investigate this. I have contacted the FBI and HSI concerning this matter. They have BOTH said what XXXX is doing is ILLEGAL yet it does not meet their threshold for prosecutions. The CFPB needs to investigate and prosecute XXXX. XXXX can not have it both ways they can not deem my rights as primary signor null and void, materially modify the terms of the mortgage, and then set up a new mortgage account all the while telling me that I am still responsible for the note that is not the original note that I signed.

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 06-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Collection bureau failed to provide 30-day notice at commencement of their attempts to collect. I disputed the debt, which has been erroneously attributed to me, and the collection agency has attempted to collect the same amount from multiple parties, which, if successful, would be unlawful.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (NC).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: SUNTRUST BANK is charging business owners {$75.00} to make payroll changes for employees that are paid with paper checks. I 've asked on numerous occasions if this is their policy and if so, please provide proof. They have yet to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have been disputing and requesting validation of a debts I do not owe AND basic inaccuracies on my credit report for months now, and TRANSUNION has not only been evasive, they have not provided the requested and official documentation required by law, nor have they corrected the information, in reference to the following accounts since last contact. NAME- XXXX, XXXX : XXXX XXXX XXXX Acct # : XXXX - Not Mine, No proof of debt Or ValidationXXXX XXXX Acct # XXXX Not Mine, No proof of debt or ValidationXXXX XXXX XXXX Acct # XXXX Not Mine, No proof of debt or ValidationINACCURATE INQUIRIES : XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXXPlease be advised that this is not a refusal to pay the debt, but a observe sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) you claim that I owe this. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe or gave authorization to pull an inquire. I am requesting proof that I am the accurate party to these or gave authorization to pull my credit, and a XXXX, which is binding on me to pay this debt. This is NOT a request for " corroboration '' via E or evidence of my mailing address, but a demand for AUTHENTICATION made pursuant to my name Date or Birth SS and correct address XXXX XXXX XXXX XXXX, KY XXXX accordance with section of the Fair Debt Collection Practices Act. Or i request this be removed as soon as possible. I am also requesting the names, addresses and telephone numbers of individuals contacted or going to be contacted during this time. Absent such proof, you must correct any erroneous reports of these as mine. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. What is your authorization of law for your collection of information? What is your authorization of law for your collection of this alleged debt? Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature or authorization.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation