milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-10-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MO).
Issue: Loan servicing, payments, escrow account

Complaint: I have filed numerous complaints in the past year and Ocwen has never tried to resolve my issues to my satisfactory. They have paid my condo association over {$25000.00}. which they should not have and added it to my escrow which I never had an escrow account to begin with and charging me almost 8 % interest on top of that. They are now threatening me with foreclosure and this issue has not been resolved. The federal government is still allowing them to rip people off with no repercussion. They have been sued by XXXX states for XXXX of dollars and still they continue to operate as they always have. They have sent me false invoices through to XXXX which, which in itself is a federal offense and punishable by law with fines up to {$10000.00} per each offense. THEY NEED STOPPED!

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Home foreclosed upon in XX/XX/XXXX. Settlement received for improper foreclosure in XX/XX/XXXX Credit report not reflecting improper foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I 've contacted every single month since XXXX XXXX to now and no one not even XXXX XXXX XXXX can even solve them. They said they can not fix their errors. I asked them to repair my report and they could not solve it. 

I 've contacted credit bureaus and they said that XXXX XXXX has to request removing my late payments off my account and XXXX did not remove them as I requested. I spoke to more than 30 representatives and nothing solved. I am very upset to their ruining my credit report.

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 01/20/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Problems caused by my funds being low

Complaint: Have had several issues with bank of America on their processing of payments. Had made purchases and what they do is hold the purchases and when a big transaction comes in they pay that out first and then I overdraft on all the other purchase resulting in multiple overdraft fees. contacted the bank several times and was told that is how they conduct transaction processing, Even though the other items were presented the night before they process checks first and then ACH transactions. Explained to them that is not fair to Consumers because they are taking advantage of them with all the fees.

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 04/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (MA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Chase credit cart does not allow the consumer to choose the monthly automatic payment amount. Chase only gives consumers two choices, to pay only the minimum amount or pay the full amount. Which effectively allows chase to charge the full monthly interest on the entire balance which is more than half than the minimum payment. Which means your balance never lowers or the debt never goes away.
Chase has a substitute pay plan called Blueprint payments, which gives you a option to choose a cate  gory of current monthly charges and pay for only those purchases in full. Which still leaves your prior balance interest at the same level and not lower that balance. Which also means the principal balance and interest never gets lowered. In addition to have to pay a larger lump sum the same month of your charges, which is a added burden on the consumer to manage the debt.     Every other banking institution gives the consumer the option to choose the monthly amount to set up automatically.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Debt collection (I do not know) with AFNI INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from AFNI I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commission which I wrote a formal complaint against AFNI in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Mortgage (Conventional home mortgage) with Home Point Financial Corporation (TX).
Issue: Trouble during payment process

Complaint: Starting in XX/XX/XXXX and thru XX/XX/XXXX, Homepoint erroneously ACH a greater amount ( {$420.00} more ) than the agreed mortgage payment. They said it was to purchase Lender 's insurance due to our failure to provide evidence of coverage. It has come to light that they made an error. Their insurance department had confirmed that all the paperwork was in order, and there was no lapse in coverage and it was the mortgage 's company 's error. Over a period of 6 months, they withdrew {$2300.00} from my checking account, and after admission of their mistakes, they finally refunded me {$1300.00}. They still owe me {$1000.00}, which I once again contacted them. Homepoint acknowledged that this {$1000.00} was due to a lender 's policy for XX/XX/XXXX they bought under the wrong account in error. Every time I call, I had to recap the issues over and over again and kept getting the run around. I finally spoke with XXXX who is a supervisor at ext XXXX and he said that the company that they no longer work with the company whom they purchased this policy from and that it may take a while to get the money back on my behalf. This is clearly an error they made and should return my money while they try to recoup. Why should I be the one out of pocket for their error? I demand a refund of the {$1000.00} that I am owed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/17/2016 about Debt collection (Medical) with Retrieval-Masters Creditors Bureau, Inc. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: American Medical Collection placed an erroneous item on my XXXX Credit report. I have disputed this item once and again today, XXXX XXXX, 2016, but TransUnion claims it was verified. I called this collection agency and encountered unprofessional customer service where the rep claimed she could not find the claim. Informed her that I have Medicare and XXXX XXXX XXXX XXXX -- what is not paid by Medicare is paid by XXXX. The rep hung up without assisting me. I called again after disputing with XXXX and, again, explained to the rep my medical insurance. She asked for my Medicare # and stated that she would bill Medicare. I demanded that she immediately remove this erroneous item from my XXXX report, and she laughed and stated that she would not. This is a {$120.00} XXXX charge that should not have been sent to the patient. In essence, American Medical Collection is committing Medicare fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2017 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I was approved for a Hamp Tier modification by my mortgage company and I do n't believe it was completed correctly. The mortgage company states it is correct. I have been unable to get answers to specific questions from the mortgage company or Hamp. My final permanent modification increased my mortgage payment.

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 08-05-2017 about Checking or savings account (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I started with this bank roughly two months ago. I used it for a couple of days, then a few weeks later, I was unable to access my account. I called the company, informed them about the problem. I was then transferred to the fraud department, and verified my information. The representative was rude, and told me that I had to go in with my Identification card to a local branch to resolve the issue. As told, I went to the branch, sat down with a manager, and he spoke with the fraud department and I as well, account was cleared. I was able to access my account for about twenty minutes, until I received the same error as before, " invalid login ''. I contacted the fraud department again, plead to them that I already went through the process of verification with the fraud department. I told them I run a business, I was told I could n't use the account for commercial use. In order for me to reactivate my account, I will have to be investigated by the fraud department. I transferred money from an external account as well as used, XXXX, for my clients. They indicated it as FRAUD. There is no fraud on my account. The claim was submitted on X/XX/17, and I was told that an investigator will contact me regarding the freeze/hold on my account within 48 hours. NO ONE HAS CALLED YET! I called them twice, spoke to customer service department, transferred to the Fraud department and get hung up on. Holds up to thirty minutes. Just not fair. It has been almost two weeks with no contact, and a lot of my funds are in there.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2016 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My mother passed away in XXXX XXXX, and had a will and a revocable family trust ( the house is part of the trust. ) Champion said I had one year to pay off the reverse mortgage. I submitted all requested documents by the first deadline of XXXX XXXX. I was pursuing financing documents for the next deadline of XXXX XXXX. On XXXX XXXX, I faxed Champion my funding letter. On XXXX XXXX, I received a letter stating I was in foreclosure. On XXXX XXXX, I received a letter stating I was in default. I thought default came before foreclosure? On XXXX XXXX, XXXX I came home to a Notice of Trustee 's Sale for XXXX XXXX taped to my front door. My next deadline with Champion is XXXX XXXX. HOW CAN THEY SELL MY HOUSE BEFORE THE " ONE YEAR FROM MY MOTHER 'S DEATH '' PROMISE??? Ca n't I sue them for breach of contract? My father built this house in XX/XX/XXXX, and my mother left this house to me in her will. I want to contest the matter in court. THIS IS A SERIOUS CRY FOR HELP HERE! I am XXXX, my husband is XXXX, and my family of XXXX has no where else to go. I ca n't afford an attorney, and the free legal aid in my rural area said they wo n't touch the case ... too complicated.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America sent us a check in the mail for overage on our escrow account, They did not complete and escrow analysis on our account as to date- Normally they would pay the Home owners insurance first they they would see how much money would we owe to pay our taxes. But to the large refunded amount we will receive from escrow will make us short from with paying our home loan, Later they will submit a larger fee for us to pay on our home loan.

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 04-02-2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I originally made a dispute regarding a XXXX account in my name. I went ahead and paid the account so I could get it off my credit while I disputed the account with the company and the credit bureaus. The XXXX response I received was that I needed to provide them with evidence that was not previously presented. So I sent them in the proper documentation. I then sent them a letter requesting a description of the procedure they utilized to verify the account. They sent a letter back stating they did n't have to forward any information to the creditor and basically it was not their problem. The other XXXX credit bureaus have corrected this account and it is no longer on my credit report. I also requested them to add a statement to my account regarding an account with XXXX XXXX and they are the only credit bureau who has not complied with my request. I am including the documentation I have relevant to my case. I would like this account updated and/or removed and I would like the statement that I requested added to my credit report. This credit bureau is one of the most difficult to work with because their responses are evasive or they pretend like the request is suspicious. When you request specific information, they ignore the request and send the response back that they want to send. Please help. Thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-12-2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Company continues to contact my place of employment after several times telling them to not call my job. Receptionist always answers and lets them know I can not have phone calls " personal or personal business matters '' ( which I have none if its personal it is not a business matter ). They continue to call. Then the caller gets rude with the receptionist and goes as far as giving personal information to confuse the receptionist in order to have her transfer the call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-08-2017 about Debt collection (I do not know) with Allied International Credit Corp., (US) (AK).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: A letter was sent to my home, alleging to be a collection agency for a debt to XXXX. The letter was addressed to my maiden name, which I have not used since before XXXX existed. An internet search of the telephone number listed in the letter revealed that this is most likely a scam and should not be trusted.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: Hello On XXXX/XXXX/XXXX I have requested a withdrawal of {$9900.00} from XXXX to my bank account. It is a direct wire transfer which I have to pay money for. XXXX confirmed the transfer and state that my money would be in my bank by XX/XX/XXXX. 

I still havent received my money and been trying to contact XXXX for the status of my case with no avail. This includes email, phone call, and social sites like reddit. There were no feedback of any kind from XXXX https : //www.coinbase.com XXXX XXXX XXXX # XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Vehicle loan or lease (Loan) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: Now back to thinking of what BBVA Compass bank has done. They expect me to pay them at total of {$3300.00} dollars. Compass bank had canceled the auto GAP policy along with the Extended warranty without my prior knowledge. So that would be around {$2500.00} dollars that they had gotten back also I was never returned my prescription medicine that was around {$1700.00} dollars along with a spare pair of eyeglasses that were around {$600.00} dollars. Also with {$2000.00} dollars in improvements and maintenance not including my {$4000.00} dollar down payment have you. That would be a total of {$6800.00} dollars then minus {$3300.00}. Being a total of {$3400.00} that Compass bank owes me. They may have made a clerical error within all of this. I hope they review all of this info for their records.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Rewards

Complaint: I applied for a Chase XXXX XXXX XXXX credit card in XXXX 2016. The offer I applied for was for XXXX XXXX miles after {$2000.00} spend in the first 3 months. Shortly after applying, I saw there was a XXXX XXXX miles bonus after {$3000.00} spend in the first 3 months. 

I contacted Chase to match the offer. They responded that they were able to extend the offer to me, if I increase the minimal spend from {$2000.00} to {$3000.00}. I accepted their offer. After putting the additional spend to meet the new {$3000.00} minimum for the XXXX bonus XXXX miles, I messaged Chase to process the additional bonus. They informed me that they could not honor the offer. 

Chase had extended an offer to me, that required me to put additional spend to meet this new offer, then refused to honor their end when I met the requirements of {$3000.00} spend. 

Find attached a screenshot of the message of Chase confirming they extended me the offer. 


Dear XXXX XXXX, Thank you for contacting Chase regarding the enrollment bonus offer on your XXXX XXXX ( R ) Explorer credit card account. 

We 're delighted to welcome you as a new customer and we look forward to serving your credit needs. Let me share, because your account has been opened for less then 90 days, I am pleased to advise that we can honor your request to receive the XXXX bonus rewards enrollment promotion. However, this enrollment promotion is associated with {$3000.00} spending threshold which has not yet been met. Therefore, I would ask that you please reply to this email once you have met the associated {$3000.00} spending threshold by or before XXXX XXXX, 2016 and either myself or XXXX of my colleagues will be happy to assist with your request. 

Kindly note, purchases do not include balance transfers, cash advances, cash-like charges such as travelers checks, foreign currency, and money orders, any checks that access your account, overdraft advances, interest, unauthorized or fraudulent charges, or fees of any kind, including an annual fee, if applicable. 

If you need any other assistance, you can send us a secure message. We appreciate your business and thank you for choosing Chase. 

Thank you, XXXX XXXX Customer Service Specialist. 
XXXX Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- Hello, I recently signed into my XXXX account and saw there was a XXXX XXXX XXXX XXXX for the XXXX XXXX card that I recently signed up for. 

Would you kindly match me to this offer? I 've attached a screenshot. 

Thank you, -XXXX [ Attachment XXXX Type : application/octet-stream Name : Screenshot XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I went to XXXX for small purchase and they have offered me credit card, I opt it and they have promised me to send the XXXX credit card to my address. I never received that card and they have started sending me bills. I have called them to revoke the charges since i never received the card. They said, they will omit the charges since i havent received the XXXX Credit Card. 

Today i have received the credit report from the credit bureau ( TransUnion & XXXX ) as ( -XXXX ) on my credit score, which is really bad. I wanted to file this complain against the XXXX credit card. Kindly advice me the further process, in order to balance my credit score. 

Thanks, XXXX 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 explanation
Consumer complaint received 08/23/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: hello, there are XXXX things on my report that I have verified with XXXX XXXX XXXX that are incorrect on my Experian Report, and XXXX stated they have contacted Experian to remove this verbage and incorrect statements. " Paid in Settlement {$220.00} written off '' is a false statement, and inaccurate information.I was told by a XXXX representative, it should read Account Paid Account Closed. It also shows a CHARGE OFF in 2015. There was nothing charged off in 2015!!, and I want that corrected as well. There was no activity on my Honda Accord in 2015. Please help me. Thank you so very much!

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