milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-01-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/XXXX I learned there may be a problem with my Mortgage serviced by Ocwen Loan Servicing. On XX/XX/XXXX Ocwen unnecessarily and incorrectly increased my Escrow payment due each month. Inexplicably, they backdated the change to XX/XX/XXXX. I have n't missed a payment. Even though Ocwen 's records reflect receipt of all my payments on time, this " glitch '' in payment history has caused a {$2100.00} Past Due balance. This is nearly 3 months payments, so I am now facing Acceleration. I am being charged late fees, Property Valuation fees and Certified mail for Default Notices. 
After Escrow analysis, my payment has actually gone down. It would also appear they owe me an Escrow Refund of approximately {$900.00}. The payment was too high for the past 2 years and never needed to be increased at all. 
Ocwen is not making any progress in correction of this issue. I have a " Relationship Manager '', however, I can only make appointments to be called. I had an appointment to be called on XX/XX/XXXX and was called to reschedule. My Relationship Manager was unavailable. The reset appointment was for XX/XX/XXXX and no one called at all. After waiting an hour I called to be given another appointment for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 've sent multiple letters to this agency about this not being my account. After being advised by XXXX, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. Also attempted to contact XXXX, XXXX, and XXXX, and XXXX XXXX. Per the address listed on my credit report and the letter got returned. I sent it to the bureaus, and they ignored it. Please help if you can 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 non-monetary relief
Consumer complaint received 11/13/2017 about Payday loan, title loan, or personal loan (Installment loan) with Harpeth Financial Services, LLC (AL).
Issue: Getting the loan

Complaint: I received a " pre-approved '' letter from Advance Financial 24/7. The letter stated I was " pre-approved for a loan of {$4000.00}. '' I completed the paperwork and provided the requested documents, but they said I would have to wait a few day sfor it to be processed. Only to get an email within the next hour, to say my application was denied! I tired to email them ( at XXXXXXXXXXXX ) & call them XXXX at XXXX ), but NEVER recived a reply, response, or was never able to speak to someone!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Vehicle loan or lease (Loan) with World Omni Financial Corp. (MD).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: World Omni Financial Corp submitted Form XXXX Cancellation of Debt to IRS on XX/XX/2014 but has not cleared the public records of collection, resulting a damage of my credit score since 2014 to now.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (TX).
Issue: Money was not available when promised

Complaint: On XX/XX/XXXX, I submitted a withdraw request from Coinbase. After fees, I should have received {$7800.00}. Coinbase claimed to have processed the wire on XX/XX/XXXX. Coinbase also claimed I would receive the wire transfer on XX/XX/XXXX. There was no mention of delays at the time of withdraw. 

On XX/XX/XXXX, Coinbase changed the process date of this transaction from XX/XX/XXXX to XX/XX/XXXX. I have requested information showing that the wire has been initiated so that my bank can confirm. I have not received the withdraw or a response from Coinbase indicating that they finally processed the wire transfer. The withdraw is now 18 days ( 10 business days ) late of the time ( XX/XX/XXXX ) I was told it would arrive.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Consumer Loan (Vehicle loan) with American Credit Acceptance, LLC (CA).
Issue: Managing the loan or lease

Complaint: I got a new auto loan with American Credit Acceptance XXXX XXXX XXXX XXXX XXXX TX XXXX, just over a year ago. I pay more than my scheduled payment every month with a note to post the overage to principle. I then follow up with a phone call to request this be done. Every month when my new statement comes in the payment has not been posted correctly and they have applied the overage to their interest!! I have to call them a second time to be told that I need to call in to have the overage applied to principle.. WHAT?! I go through this every single month. I am trying to pay it off so that I can rid myself of these idiots, but when they do n't put the extra to principle my pay off does n't go down correctly. I feel like they are double dipping and getting way more than they should! Can someone please help me?!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX, I inquired about a car at XXXX XXXX XXXX in XXXX TN. I went there, signed an authorization for them to check my credit. No where on the application did it say multiple companies would check my credit ( XXXX to be exact ).

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: after filing a complaint with the cfpb i tried contacting Synchrony bank and left lots of messages and i did n't get any call back from XXXX XXXX at XXXX ext XXXX i sent them a dispute letter and disputed over the phone but i never got a response from them the results of the dispute i requested from them all documentation what they have to prove there claim but till today 's date i did n't receive anything from them, i believe they are in violation of the FCRA they need to respond within 30 days of the dispute and they did n't, i sent out a dispute letter to paypal on XXXX-XXXX-2017 an a dispute letter to Synchrony bank on XXXX-XXXX-2017 and to XXXX i was requesting validation and i wanted to know how the came up to this amount but i was ignored and nothing was investigated, now here i 'm still in the same situation. i had sent an email to the bank on XXXX-XXXX-2017 to XXXX XXXX President & CEO Of Synchrony Financial and to XXXX XXXX XXXX Executive Vice President & Chief Information Officer at Synchrony Financial an the y never got back to me they ignored my dispute and my concerns,

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 06/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On around XXXX XXXX, 2016, I paid off my XXXX XXXX credit card and asked XXXX XXXX to close my account and to report to the major credit bureaus that it was the consumer who requested that the account be closed.. XXXX XXXX confirms that the payment was made and my account is closed. However, Trans union credit bureau is showing a balance of {$4800.00} which is adversely affecting my credit score. Trans Union also reported on my credit report that my last payment of {$130.00} was made on XXXX/XXXX/16 which is incorrect. The last payment was made on XXXX/XXXX/16 prior to me paying off the account on XXXX XXXX, 2016.

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 01/29/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Application processing delay

Complaint: TO REBUILD MY CREDIT PROFILE. I APPLIED TO CAPITAL ONE CREDIT. APPROVED FOR THIS CARD BUT COMPANY REFUSED TO ACTIVATE THIS CARD. THIS COMPANY INSIST I AM NOT WHO I AM. I HAVE COOPORATED. BUT TO NO AVAIL. SO I SIMPLYH WANT TO CANCEL MY APP. BUT THIS COMPANY WANTS TO CHARGE ME AN ONGOING MEMBERSHIP FEE. I JUST WANT THIS COMPANY OUT OF MY LIFE. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (IL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: In XX/XX/XXXX, I closed my Citibank AAdvantage credit card account, having paid the outstanding balance and a {$25.00} late fee as I had missed one monthly statement. Shortly thereafter I received a statement from Citibank, noting the payment but posting a new charge of {$6.00} for " interest charged to standard purchases ''. I called Citibank on XX/XX/XXXX and spoke to a service representative who could not explain why the interest had been charged, BUT denied my request to have it removed from my account. She put me on hold to find a supervisor, but that person could not explain the charge either, nor would they remove the charge. We ended the call, unsatisfied! Since then I have received daily robo calls from a collection agency claiming to be Citibank, leaving a callback number and personal code " to retrieve your message ''. I called once, but there is no option to speak to a human, just a bot which demands personal information - which I am not going to share with a computerized system. These calls are aggravating and a waste of time on all sides.

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 03-07-2017 about Mortgage (Conventional fixed mortgage) with CITIZENS FINANCIAL GROUP, INC. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company has not paid my Real Estate Taxes out of my escrow after stating it would be paid. My tax bill is now past due and I can not get any response or help from them. THe bank is Citizens One

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Credit decision / Underwriting

Complaint: A class action suit was filed against our lender XXXX JP Morgan Chase XXXX regarding unreasonable in-house insurance premiums being charged on some housing loans and me and my deceased spouse were among those who have paid these in house insurance premiums. A settlement was finally reached but my monetary claim is being held by plaintiff lawyer/s for failure to submit sufficient documentation of my authority to file and sign a claim on behalf of my deceased wife/co-claimant. I am being required to submit " Certified Copy of Letters of Administration or Testamentary as evidence of my authority toto file and sign the claim on behalf of my XXXX wife ''. 
I believe their above requirement is unreasonable and too burdensome for a struggling widower who is simply living on paycheck to paycheck just to be able to maintain a decent living with a house of my own. I can not afford to hire or consult a lawyer to adviseme on how to obtain this so called " Certified Copy of Letters of Administration, etc etc ''

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Earlier this year ( XXXX ), I discovered that I had been a victim of identity theft. Despite the numerous amount of times that I had been in contact with the bureaus, they would ocasssionally remove the accounts from my report and re-add them back at a later time, which is a violation of the Consumer Fair Credit Reporting Act. Therefore, I considered filing a lawsuit, which I have yet to execute due to the fact that I now have additional evidence and a couple of incidents that were reported to XXXX XXXX Police Dept. and the FBI. 

I would like to get this this information cleared out of my report immediately because it has drasticallly set me back this entire year, which is now coming to an end. 

Thank you and Happy New Year!

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 05/23/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CT).
Issue: Settlement process and costs

Complaint: XXXX/XXXX/XXXX Nationstar Mortgage XXXX XXXX XXXX XXXX XXXX, Texas XXXX Thank you for the copies of the loan modification. As you can see or should be able to see, this is only a copy of the XXXX Trail Period '' XXXX had put us on and then extended it for approximately a year or better. 
So the papers you sent me are not what I asked for or have been asking for. I am looking for the completed modification with all the documentation on how we went from a fixed 30 year interest of XXXX and why it increased to XXXX last XXXX, XXXX, and is going up to XXXX this XXXX XXXX. I know that this is still a relatively low interest rate, but going up 2 % is a hardship on us when my mom is on a fixed income of Social Security and my take home pay is less than when I started my job six years ago because of the increase in cost of my share of my portion of my health insurance. I know this is not your problem and that you really do n't care. My point is that by law I have a right to see these documents and I ca n't tell you the number of times I have called and requested them and you keep sending me a copy of the trial period and not the finalized modification. I want to see in writing please how it was decided that my interest rate would go up, the number of points that were added, how much was charged for doing the modification and if the balance of the difference between our regular mortgage payment and the trial modification was added back into the loan. We never received a copy of this and like any other financial institution if you are refinancing, having a closing or taking out a loan, all parties should see the documents and agree to the terms and conditions. Until I receive a copy of the documents, I can not agree to the increase to 4.75 %. 
I feel I have been very patient in this matter, but I am very frustrated. I have spoken to so many of your customer service representatives, the one I 'll never forget is the XXXX XXXX said it was none of my business on how the figures were arrived at. And the other XXXX was a written correspondence from Nationstar saying an audit was done on my file and everything checked out fine, but then why ca n't I get a copy of what I 'm looking for? I 'm wondering if anyone else has these issues or am I just the lucky XXXX. 
I hope the next correspondence I receive from you is what I am requesting. 
I have been trying to get a straight answer from you for years and since you have yet to supply me with the documents I am requesting, I feel you are hiding something like it 's a predatory loan. The only signature on file for us is the trial modification. We never signed thee final modification and that 's why we have n't received it. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I received notice via XXXX that my credit score decreased due to a collection added from COMMONWEALTH FINANCE for {$580.00}. I do not recall doing business with this company nor did I receive any notices in regards to this bill that would have allowed me to dispute it. The account was opened XX/XX/2017 and I had no medical services at this time. 

I have contacted the company in an attempt to verify this debt is indeed mine but I have not heard from them.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a Loan Modification in XXXX XXXX with CITI Bank. In XXXX XXXX a detailed Property Evaluation was performed. Since that time, I have provided all documents requested in a timely fashion, but CITI Bank keeps " kicking the final decision '' down the road. I have letters stating my loan was approved, only to discover those letters were sent in error and the application was still in review. I 've never been given any detailed answers on what the delay is, other than " this is a long process, '' and " we are busy with many applications. '' On XXXX/XXXX/XXXX, however, when I aggressively pressed for a detailed explanation, I was sent an email that stated the Underwriters need to get a Property Evaluation performed. When I reminded them this was done months ago, and I asked what was wrong with the evaluation done in XXXX, no one replied. It is clear CITI Bank is not interested in granting the loan modification, but for some reason they do not want to tell me that. I suspect they are trying to wear me down and hope I cancel my application.

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 07/13/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Using a debit or ATM card

Complaint: On XXXX XXXX, 2016, a Chase Mortgage Banker, XXXX XXXX deducted {$500.00}. from my account before the appraisal was done ( I never scheduled it ). On XXXX XXXX, 2016 I spoke with her and requested my application be withdrawn. She responded by saying ok and that the funds would be back in my account in a couple of days. XXXX XXXX made it 2 weeks so I visited the branch and was informed that the application was approved. That tactic was dirty and underhanded. It had n't been approved when we were sitting in front of her and made the request ; she put the paperwork through anyway disregarding the customers ' request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-02-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am filing a complaint against experian because I have been a victim of identity theft and filed a police report with the XXXX County Sheriff 's department on a fraudulent account that was opened with XXXX XXXX XXXX XXXX XXXX account number XXXX. This account appeared on my credit report and I immediately contacted the creditor and gave them my social security number and they were not able to locate an account. I contacted Experian and notified them that this might belong to my sister with the same name. They placed the account under dispute and they sent me a response saying the account was verified. At that time i contacted the creditor again and explained to them the situation and they looked up by my name and came across an account with the last XXXX digits of the social transposed to XXXX and mine is XXXX. I filed a police report and I uploaded the police report to experian and explained the situation to them and to please block and remove the account and the social variation of XXXX that is being used fraudulently and they have not removed the account from my file even though it is fraudulent and not even reporting my correct social.

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 08-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I DISPUTE THE DEBT REPORTED BY XXXX XXXX THIS CHARGE IS RELATED TO A MODEM THEY MAILED TO ME AROUND XXXX OR XXXX 2010. I RETURNED THE PACKAGE TO THEM WITHOUT OPENING THE BOX AND THEY RECEIVED IT. HOWEVER, THEY SAID I HAD TO PAY {$190.00} DEPOSIT BECAUSE IT WAS RETURNED MORE THAN 30 DAYS AFTER DELIVERED, I WAS IN TREATMENT XXXX WHEN BOX WAS DELIVERED, AND I RETURNED IT UNOPENED AS SOON AS I WAS ABLE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with John C. Heath, Attorney at Law, PLLC (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: For the past 3 months I have received the WORST customer service ever from any financial institution that I have delt with. Dealing with XXXX XXXX XXXX from X/XX/17-XX/XX/2017. I was giving misleading information. Her customer service to me was tasteless, classless and very disgusting! Ive sent her over 10 emails not one Time has she replied back to my emails. She had me pulling information that wasnt apart of the issue I was having. I felt racially descrimated when I met with her in person and after that we spoke on the phone several times. I was rudely cut off and her tone wasnt pleasant. I dont understand how someone with such a high position in a bank lack basic customer service skills. I was treated as if I was a criminal!! I will be taking legal matters. Anyone who banks with XXXX XXXX XXXX XXXX should leave before this happens to you! UNACCEPTABLE

Company response to consumer: Closed with explanation