milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/28/2016 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen took over my XXXX mortgage from GMAC ( for reasons unknown to me ). When they did, my payments went from {$160.00} to {$940.00}. When I tried to get information on why this happened, Ocwen refused to explain and told me to " pay my bill ''. I have been struggling with communication with this company. I know that according the the California Homeowner 's Bill of Rights I have the right to a single point of contact that has decision-making authority of my account. Although they have technically appointed me a " relationship manager '', this person is never available when I call. I get transferred to another " relationship manager '' who does not have the ability to make decisions on my account. Furthermore, whenever I submit all the paperwork necessary for a loan modification, they either 1 ) lose my paperwork ( the first time I faxed it and they claimed to have never received it ) or 2 ) Claim to be missing paperwork ( even though I have proof that I emailed it ). I have paid this company XXXX % of what I owe in a lump sum and they are still claiming that they are going to foreclose on my house in a week ( even though I am current on my first mortgage with another company ). They have not sent me an updated statement even though the loan has been reinstated. Instead, I received a letter that says they simply postponed the foreclosure. 

They also claim that their hours are " Mon-Fri XXXX-XXXX, Sat XXXX-XXXX, Sun XXXX-XXXX ET ''. However, when I have called on the weekends AFTER making a payment of over {$28000.00}, their offices are closed. I can no longer reach them during their weekend hours.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Consumer Loan (Vehicle loan) with FORD MOTOR CREDIT CO. (CA).
Issue: Managing the loan or lease

Complaint: I bought an extended service contract through a XXXX dealership and the cost was added to my monthly payments with Ford Motor Company ( FMC ). My payment schedule is as follows : First XXXX months : XXXX Next XXXX months : XXXX XXXX final : XXXX As you can see, the length of the contract is XXXX months. I have made XXXX payments to date. I canceled the extended service contract because it was essentially worthless in that the vehicle would have to blow up before they would do anything. I have uploaded a copy of that contract for you to review. They have canceled it and sent the refund to FMC which I have NO disagreement with. 
I called FMC on XXXX/XXXX/16 and spoke to " XXXX. '' I was enquiring about the refund because I had n't heard anything. She advised me that I had XXXX payments left and the refund was applied to the principle. So, my balance was at that time {$29000.00}. I have no new contract that shows a refund and how it 's applied. The contract I still have says I owe a total of XXXX payments for the above amounts. 
It 's simple math. If you divide {$29000.00} by my payment amount of XXXX, that leaves a total of XXXX payments. My payments should be XXXX for the remainder of the contract without the last XXXX months ' amounts of XXXX and XXXX. Someone needs to redo my contract and give me the proper credit in writing because I 'm liable for the amounts stated in the original purchase agreement. Both XXXX and FMC have refused to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone pass the 30 day mark and can not verify these accounts, unde r Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 07/27/2016 about Credit card () with U.S. BANCORP (MA).
Issue: Other

Complaint: Fidelity Visa recently transitioned from having FIA Card Services service their Fidelity-issued cards to having XXXX XXXX XXXX service their cards. The transition happened on XXXX XXXX. On XXXX XXXX, a payment was sent from my Bank of America account to FIA Card Services to pay off a balance and Fidelity can not find the money. FIA Card Services, which is affiliated with Bank of America, researched the payment and found it, but told me it will take five to seven business days to further research and to apply the payment to my outstanding balance. It is bad enough that a financial institution lost a payment. And even worse when they themselves acknowledge the payment was successfully processed that it takes almost two weeks for it to be applied to my card balance. There 's more : on XXXX XXXX, which was AFTER the transition, I initiated two additional payments via Fidelity 's automated " Pay Card Balance '' option which is right on the Fidelity website. The payments were not processed until XXXX XXXX -- well after the transition -- but Fidelity sent those payments to the wrong credit card processor -- their own no longer valid credit card processor. So Fidelity broke ties with FIA Card Services, notified their cardholders not to use the old cards, but continued, via an automated option, to send payments to the old processor. Those payments hit my account on XXXX XXXX and today, as of XXXX XXXX, Fidelity can not find those payments either. To add insult to injury, Fidelity has frozen my credit card. I tried to charge {$23.00} for gas and my card was denied. These are egregious errors that shake my confidence in Fidelity as a financial institution.

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 04/27/2016 about Debt collection (Medical) with Affiliated Management Services (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been receiving numerous phone calls from XXXX they never leave a message. A quick web search Identified the company. I have answered XXXX of the calls, but no one was on the other end. I have attempted to return the call but the person that answered could n't help me without my account number. 
I did weeks later receive a bill from them, which I logged onto their web site, and set up a payment arrangement for. I agreed to allow them to debit my credit card {$100.00} per month, and provided them the card number. The debited the card as agreed the first month, and XXXX each subsequent month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I disputed the alleged debt with XXXX XXXX XXXX on my credit report with Transunion on the following dates : XX/XX/XXXX2017 ; XX/XX/XXXX2017 ; XXXX XXXX, 2017. Each time, I requested that under the Fair Credit Reporting Act, 14 U.S. Code 1681g, Transunion or XXXX XXXX XXXX disclose to me all of the documentation that retained in the file at the time of my request concerning the account listed don my credit report. Several months have gone by and XXXX XXXX continues to report inaccurate information on my credit report without sending proper documentation that the account is in fact my debt. This is a direct violation of section 609 and 611 of the FCRA. In addition, Transunion has failed to protect me as a consumer and has not followed the proper guidelines to verify debt on my credit report. My last letter specifically addressed to XXXX XXXX, requested full validation of the debt, and I was not provided information pursuant to my request. This account must be removed from my 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 07-10-2017 about Student loan (Federal student loan servicing) with Premier Student Loan Center (MN).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I registered for loan consolidation with Premier Student Loans XX/XX/XXXX. When I signed up on XX/XX/XXXX I was told in an email and on the phone there was a 10 day cancellation window. If I cancelled within that 10 day window the consolidation would be cancelled and all of my money would be refunded. I signed up XX/XX/XXXX and cancelled by phone and by email on XX/XX/XXXX. ( Still within that 10 day window. ) My money was refunded back in XX/XX/XXXX and I was told via phone that the consolidation had been cancelled after I did not receive a response from my email. Earlier today I called XXXX XXXX XXXX to start a payment plan to begin paying back my loans with XXXX XXXX. When I spoke with a representative at XXXX XXXX I was told my loan had been consolidated by XXXX. I guess Premier Student Loans transferred my loans to XXXX after I had already cancelled?? And my loans were still consolidated against my will. I called XXXX XXXX at Premier Student Loans and notified him of the error. He told me it was their mistake and that the consolidation should never have went through as they noted I cancelled within the 10 day window. I then spoke to his supervisor XXXX XXXX and she also told me that it was their mistake and that they were sorry but the consolidation has already went through and it was too late. I am very confused and upset as I clearly followed all of the guidelines to cancellation and because of their negligence my loans were consolidated against my will. I did not receive any notice in the mail for any of this consolidation, so I am just finding out today of this unwilled consolidation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-04-2017 about Mortgage (VA mortgage) with LAKEVIEW LOAN SERVICING, LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced my loan through Lakeview Loan Servicing , Inc. Before I refinanced I had biweekly payments. However, after refinancing and being told that I would be able to continue the same frequency of payments, it was not the case. I asked multiple times if whoever was going to service the loan would continue the bi-weekly payments before closing. XXXX XXXX became the loan servicer for the loan and I had contacted them and they are not aware of bi-weekly payments. Lakeview Loan Servicing , Inc. should have advised me the fact that they were going to service transfer my loan so that I could have taken the opportunity to go with a more traditional bank or lending institution for my refinance. Most banks are able to provide a bi-weekly payment in which it is automatically taken. I believe the Loan Officer should have been more knowledgeable and not have deceived me in refinancing my loan indicating that I would be able to continue bi-weekly payments. The loan officer was 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 08/15/2017 about Vehicle loan or lease (Loan) with American Credit Acceptance, LLC (FL).
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint: My account has been sold to a company, I did not receive information of the new policies, now they charge late fees, request extra payment if the customer wants to make a payment on line or by phone, for every transaction they want to charge, I did not received notification and they charge late fees for payment when I do n't even know about the new company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OK).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I received a hard Inquiry on Equifax credit report from XXXX on XXXX XXXX 2017. I was told at XXXX XXXX  where I applied and received a credit card that this is in error as they do n't do hard pulls.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Mortgage (Home equity loan or line of credit) with HSBC NORTH AMERICA HOLDINGS INC. (OR).
Issue: Loan servicing, payments, escrow account

Complaint: I have been paying back a {$70000.00} loan from Beneficial for over 20 years, and have repaid it more than twice over. 
Now that the loan is almost paid off they keep adding new charges to my loan without my permission every month. Last month it was an insurance policy, over {$500.00}, this month they paid my taxes, which I had already paid, over {$600.00} in new charges, plus they raised the payment with monthly insurance and tax charges. 
I have always paid my own taxes, it seems illegal to suddenly start paying the tax, then adding it to the loan without permission, adding interest, late charges, insurance and whatever else they can think of, especially when it is almost paid off, and could be paid off this year if they did n't add enormous charges every month, and they know I 'm old on a fixed income. 
XXXX, an accounting clerk with the Department of Assessment & Taxation with XXXX County, OR responding on behalf of the Assessor. 
" After further review of both accounts, it does appear that there are, in fact, two duplicate payments from both you and your lender. '' ( my XXXX is divided into XXXX sections, XXXX ) I had applied for the Senior citizen ' tax deferral program, but they turned me down after the first year because I did n't have insurance. 
The XXXX I had before, filed for bankruptcy ( The fellow who ran the business said there were too many claims due to GLOBAL WARMING ) - and according to the insurance lady that took over the office - because I live in a XXXX there is no insurance available. 
Several women have told me that their insurance was cancelled out in this area because they live too close to the " XXXX ''? 
I know you do n't control the insurance industry, but I wonder how it is that no insurance company will insure my property for me, but they will issue a policy for my property for Beneficial 's interest only? 
And if it is insured now can I get the senior citizen 's deferral? 
Is that why they paid the tax? 
Do they actually pay somebody to figure out how they can squeeze the last dime out of old people who are almost debt free? 
Or am I just a conspiracy theorist? 
They do n't have contact info on their bills, no phone, no website and they do n't respond to letters. 
Anyway, thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX QUOTES RULES AND THIER PURPOSE WHICH I HAVE NO OBLIGATION TO PERFORM, XXXX OPERATES ON A PRESUMPTION, I DONT HAVE ANY CONTRACT WITH THESE DECEPTIVE MISCREANTS, XXXX  COMMITS 2ND DEGREE FELONY BY USING MY PERSONAL INFORMATION WITHOUT MY CONSENT, ALSO RECENTLY I WENT INTO XXXX  XXXX XXXX AND WAS REFUSED TO OPEN A CHECKING ACCOUNT BECAUSE OF XXXX WITH THIER SECRETS MAKING FALSE REPORTS ON ME WITH NO TANGIBLE EVIDENCE TO ANYTHING, AND IM XXXX SICK AND TIRED OF THESE XXXX CRIMINALS, THEY SEND ME PAPERS ASKING FOR MY PERSONAL INFORMATION WHICH IS NONE OF THIER XXXX BISNESS, THEY HAVE BEEN MAKING BAD REPORTS ON ME FOR YEARS NOW AND GETTING AWAY WITH MASSIVE FELONY FRAUD, THEY WILL NOT SEND ME THIER REPORT THAT THEY ARE USING AND KEEP IT A SECRET, I WILL NOT CALL THIER XXXX XXXX AND GO ROUNDY ROUND WHILE THIER XXXX ASK ME FOR A BIRTHDAY, I DONT HAVE ANY CONTRACT WITH THESE XXXX AND THEY ARE MISCREANTS

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 09-09-2017 about Debt collection (Medical debt) with Receivables Management Partners, LLC (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Berks Collections have a amount of {$320.00} that supposed I owe and that is a false statement this account was settled for {$210.00} wich was pay off on XXXX XXXX of 2016.They still didnt remove of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Debt collection (Medical) with Capital Recovery Corporation (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I got contact from a debt collector, CR Corp around XXXX 2015 relating to an outstanding debt to Health Net Insurance that was in an investigation phase with the Department of Managed Healthcare. Before the investigation was finalized they called me to collect {$580.00} that I did not owe to XXXX XXXX. Not only was the debt reported to the credit reporting agencies before a decision was made, when I asked them them to stop calling my cell phone and please contact me in writing instead, the continued to call my cell thereafter and then found a number connected to my relative, not related to this account, and contacted them on XXXX other occasions to collect the debt. My relative confirmed that I had resided with her, unknowing who she was talking to, but consistently told them to please stop calling her about my personal business. Now they are still calling her and my cell and sending threatening letters of judgement as of XXXX XXXX, 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: My credit report currently shows a collection account from XXXX in the amount of {$3400.00}. The account was disputed and deleted as result of the dispute. The account was added back to all 3 credit reports on or around XXXX XXXX, XXXX and the credit bureau failed to notify me within the 5 business days following the unverified account being reinserted as they are supposed to as instructed by the Fair Credit Reporting Act section 611. I have referenced the law as it pertains to matters of this kind below. 

FCRA Section 611 ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer. If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 

( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ).

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 07/31/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NE).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: Opened a Wells Fargo Everyday Checking account on XXXX XXXX, 2017. Account had a {$250.00} bonus as long as one of the two following conditions were fulfilled : Within 60 days of account opening, either make 10 purchases/payments with your Wells Fargo Debit Card or establish a qualifying Direct Deposit of an accumulated {$500.00} or more to the consumer checking account opened for this bonus offer. WF claims " We will deposit the bonus into your new checking account within 45 days after eligibility and qualifications have been met. '' I made a direct deposit on XX/XX/XXXX and completed 10 debit purchases on XX/XX/XXXX, which cleared by XX/XX/XXXX. It is XX/XX/XXXX, 100+ days after first completing the requirements, and I have not received the bonus. I have attached my opening email and a statement from XX/XX/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 monetary relief
Consumer complaint received 12/28/2017 about Debt collection (Other debt) with Monterey Financial Services LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The debt appears on my report. I attempted to pay off the account in efforts to get it off my report. When I called the company they have no knowledge of the account. The forwarded me to 3 other agencies who also could not locate the debt. I have attempted to resolve and want this removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation