milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/30/2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: on XX/XX/2015 i call ocwen mortgage to refinance my mortgage they told me that they can not refinance my mortgage but they can restructure my loan, after going through the trial period they send me a package to fill out and get notarize which i did and send back, i then received a phone call saying that i owe {$1900.00} to ocwen when i ask why they told me that i did not send back the package i said i did, then i was told i owe {$400.00}. tlus in escrow fees i started argueing with them then they said if i pay the {$400.00}. plus in escrow fees my mortgage will go down i sent them a for $ XXXX.plus and another check for $ XXXX.plus i i call them and ask them what happen to the check i send for my escrow they told me that they put it in an account i then said that check was sentfor my escrow on the check i wrote for escrow account so i was duped like many others home owners like myself who lost their homes to ocwen mortgage co. i sent a complain to the attorney general Pam Bondi i receive a letter saying they are looking into this, every time i call ocwen and ask to speak to the person i spoke to previously i am told that he/ she is not available so you can never speak to the same person twice this mortgage co is ripping innocent AMERICAN OFF. and someone need to stop them. I AM THANKING YOUR BUREAU FOR ANY HELP FOR MYSELF AND OTHER AMERICANS THAT WAS RIPOFF BY Ocwen mortgage co. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I recently check my credit report on XXXX and came to learn the there is a credit card listed on my report. It was supposedly opened in 1998 when I was XXXX years old. It has a credit limit of $ XXXX and a balance of a little more then $ XXXX currently. I did n't open this account and neither did any of my family members. It is listed as an account at Citi Bank. However when I spoke to CitiBank 's credit card department and gave them my social they said the account did n't come up. So somehow it is listed as my credit card but is n't listed under my social security number. And the weirdest part is someone other then myself is making monthly payments. Someone is paying the card minimum of around {$300.00} and something dollars a month. This is really hurting my credit and I do n't Know how to resolve this issue. Please Help! Thank you for your time. Have a great day.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/22/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Payoff process

Complaint: Federal law, thru the credit card act of 2009, changes payment allocation and requires that credit card companies apply any additional payments ( minus the required minimum payment amount ) to the highest interest rate balance on my card. That is not happening! Bank of America and XXXX XXXX refuse to to apply additional payments to the balance with the highest interest. I keep referring to the Card Act and they wo n't change their practices saying they are meeting federal guidelines. I need to know what to do? I keep paying above the minimum payment and they keep applying most of it to the balance with the lower interest rate ( BOFA 9.99 % vs 24.99 % and XXXX 13.24 % vs 24.24 % )

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 09-06-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (OR).
Issue: Account opening, closing, or management

Complaint: I opened a checking account with Citibank, and on the offer for the checking account, Citibank was to give me XXXX bonus miles up on completing some steps of payment and a minimum spend. I completed the steps, and waited for the miles to arrive in my account. No miles, so I called Citibank to find out where they were. Citibank then informed me in writing that there was no promotion available at that time, even though I have an email from them with the program details regarding my new checking account. 

I called and talked to a Citibank rep, XXXX # XXXX. She confirmed with me that there was in fact a promotion at the time I had signed up, and she also confirmed with me that I had signed up within the time frame provided in the promotion offer. XXXX # XXXX filed an appeal for me, and I received another copy of the same form letter stating that There was not a promotion offered at the time that I had signed up. 

I called Citibank again today, and talked to XXXX # XXXX, and she said after an appeal was denied, there was nothing she could do. 

Please help me to get the XXXX miles promised me by Citibank.

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 04/15/2017 about Credit reporting () with EQUIFAX, INC. (ND).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have tried disputing this tax lien with Equifax that has been withdrawn with the letter of withdrawal of tax lien because I never owned the money, and the state of west Virginia realized their mistake. I have supplied Equifax the letter, and they still refuse to remove it from my credit.

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

Complaint: A total of {$620.00} is owed to me by Coinbase for the sale of two Litecoin crypto currency at {$310.00} each. The coins were sold to Coinbase on XX/XX/XXXX and the money was promised to be deposited to my checking account by XX/XX/XXXX. My transaction has been pending since XX/XX/XXXX Four emails have been sent. Multiple phone calls have been made by me, and I have not received a response from Coinbase. I would like the money that is owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2015 about Debt collection (I do not know) with MERCANTILE ADJUSTMENT BUREAU, LLC (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I receive repeated ( sometimes twice a day ) harassing, unending " robo '' collection calls, which I do not answer and then my voice mail records their message. Their first recorded message states that if I am not ( then another recorded message states my last name first, then my first name ), I should hang up the phone. However, I suspect if I did answer, I would not receive such a message and be forwarded on to ( per their recorded voice mail message ) XXXX XXXX, Reference No. XXXX. 

I have checked their phone number on the web and the people responding call it bogus, that no verifiable proof of their claim ( s ) is provided. 

My credit history and rating at the XXXX bureaus is flawless and good. 

Please get these people to cease and desist calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently contacted Experian about incorrect information they are reporting on my credit file letting them know that this account on my credit file is not mine and I even contacted the company from which was showing up on my credit file and they informed me that they do not have any accounts open or reporting on my credit file and if it is it must be in error. I have attached the letter the company sent me. I then contacted Experian sending them the letter the company sent me letting them know that this account is an error on my credit file and to have it removed but Experian sent me a letter XXXX XXXX saying that I contacted them in error about the account that is n't mine on my credit file and that they are n't going to remove it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (NY).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: On   XXXX   XXXX   XXXX     I went to redeem some points to purchase an   XXXX   XXXX   XXXX    XXXX   tablet . By mistake I entered it twice. There is no page before submitting order to check for correctness or edit anything so I did not realize I had ordered  XXXX  in error. Withi n 5 mi nutes I called the company & they stated it is their policy not to allow returns or refunds & they could not cancel the second order. Now I am out  XXXX  points & receiving  XXXX   XXXX  when I only want & need one. The credit card company is Elan Financial Services

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 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I noticed in XXXX that my score was raised by at least XXXX points. There has been no changes in my behavior. No new credit. No application for credit. However, 30 days later, my score has now dropped those points. Amazingly, the increase from XXXX to XXXX was in conjunction with a new law being placed ; whereas all reports were to rise. Here it is XXXX and they have now dropped my scores back to the original number shown in XXXX. This is clearly a manipulation on behalf of these reporting agencies. I have also contacted XXXX regarding " hard inquiries ''. I received a reply stating that there was nothing that I could do and those inquiries would be in place for 2 years. These are inquiries that I did not make. Again, these agencies are destroying and manipulating individuals existence.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: My wife I continue to receive these collection letters from ENHANCED RECOVERY COMPANY, LL attempting to collect a debt. We filed them in our bankruptcy petition on XXXX/XXXX/2015. 

They still continue to violate the Federal Bankruptcy Law. I have also notified our Attorney of the collection letters. Please follow up with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/30/2015 about Debt collection (Credit card) with CITIBANK, N.A. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am contesting CITI BANK FLEX ACCOUNT. It is not mine as such, I believe that it is fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I am writing this letter in regard to an issue that has presenter itself. I had an outstanding balance on a Citi Bank credit card account 2 years ago because I went trough a hardship I called the bank directly and settled my account over the phone ( bank has to to have a record ). Citi bank set up automatic payments on their end which were completed abs terminated by Citi Bank when settlement amount was reached in XX/XX/XXXX and I have a proof of all this payments. Approximately few week ago in XX/XX/XXXX I received a letter from a debt collector XXXX stating that I have a remaining balance of XXXX, I explained what happened to the debt collectors, they refused to cooperate, I tried to call the Citi Bank and they refused even to speak with me, stating that my account was sold to XXXX and I have to speak with them, I feel like I am stuck in between because of mistake made by Citi Bank. I obtained proof of all my payments from my bank and sent them to debt collectors and according to them they contacted Citi Bank twice on my behalf, 1st time banks response was " the monthly payment amount was incorrect it is supposed to be {$95.00}, instead {$93.00}, when I explained it was set up on Citi Bank end then they answered on 2nd request that they never even settled account and I was just paying toward my balance and was unable to explain why payment was terminated by Citi Bank.

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 12-01-2015 about Mortgage (VA mortgage) with MONEY SOURCE, THE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: i ask the money source for instructions of pay of loan amount, the money source send instructions to new mortgage co. we paid the money source the amount they calculated and ask, then thth money source took money from escrow account and said that the apy of amount was short. we paid what they ask. the money source then send explanation account loan spread sheets which does not make sensse numbers do n't match. the money source gave wrong pay of amount, due that they forgot to deduct XXXX principal and taxes and insurance that they recieved. so that no means that the pay of amount was supposed to be less than what the money source original send to new mortgage co. and we paid. it was the money source fault they did the wrong calculations, and they penalized me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/28/2017 about Debt collection (I do not know) with ZWICKER & ASSOCIATES (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: zwicker and associates has been calling my employer leaving messages about me in voicemails. I have not received any collection letters from them. We are not allowed to receive personal phone calls here and they will not stop

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I disputed XXXX accounts with Transunion credit bureau that were obviously placed in my credit file in error. I received an updated credit report dated XX/XX/2017 that advised me that XXXX Ref # XXXX was deleted and XXXX Acct # XXXX was also deleted the information also showed it was deleted from viewing my account in credit check total. 

Now today a little over a month later both accounts have be re-inserted to my credit which has caused my credit score to drop and ruined my chances of having a loan that i had applied for being finalized.

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 09/18/2017 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (AZ).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint: Actually not trying to close the card, American Express Travel Services, issuer of my XXXX XXXX XXXX XXXX XXXX, closed it without warning several months ago. I 'm actually trying to get the card re-activated, or at least get my balance returned. 

One day a few months ago I went to log in to the account, which I had been using trouble free for some time, to find a message saying my account was suspended. I immediately called customer service, and was told that there was an investigation going on regarding " possible fraudulent activity '', and while I was n't being directly accused of anything, my card may have been involved, and so the account had to be suspended. I inquired as to how long this " investigation '' was going to take, and was told it could be several weeks to a month or more. 

Well, in the months following I have placed numerous followup calls to customer service, only to be told the same story, with no resolution or end date given for their investigation. When I asked how I could escalate my issue, as I need the card, I was told I would have to write to their fraud department, was n't given an option to call them. 

This has gone on way too long with no resolution, so someone mentioneed I could contact this office for possible relief. I was in no way conducting any sort of fraudulent activity, and doubt that anyone I conducted bill-paying or any other activities were engaged in anything fraudulent whatsoever. 

Thanks very much for anything you can do, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/22/2016 about Debt collection (Medical) with Phoenix Financial Services LLC (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Dear Sirs, I received a letter from a debt collector stating that I owed {$1200.00} for an emergency room visit. I sent a letter requesting further information which included all the elements in the template provided by the CFPB. The response that I received did not provide me with all the answers that I requested and further was ambiguous regarding whether I owed any money and why. My only recollection of this potential debt is that it may be for an XXXX visit at XXXX XXXX medical Center however I was fully insured at the time and further paid the {$250.00} copay that was required of me at the time. I do not understand why more than 2 years later, I am requested to pay a debt that if valid was supposed to be paid by the medical insurance plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (MD).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I had made a verbal phone settlement of the debt for XXXX of the original amount of XXXX and requested the company to give me the settlement agreement on this, and they refuse to give me something in writing stating we agreed on the 3 payments of XXXX + XXXX processing fee per transaction and once i make those payments the remaining balance will be forgiven and I would have settled for 50 % of the payment. The company refuses to give me something in writing and states that their company doesnt provide anything in writing untill the amount is paid off and is refusing to give me proof that once i pay the settlement amount the loan will be closed. They has made rude comments on the phone, and have been very degrading when i asked for documentation for an agreement of settlement, i told them i understand it is not paid in full but i need to know what amount im paying back and if they will uphold their end. 
Please help, I feel bullied with this company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed the way this account has been reported on my credit files on several disputes. Experian continue to list the account with the negative information, the last time I disputed the account was XX/XX/XXXX and have not been able to dispute the information since that time every time I try to dispute I being told account has been dispute already. The account is now begin listed with only the Charge of date and all the other information was remove from the account which make the negative information stay on my credit file longer. I have my credit report from XX/XX/XXXX with the complete history of the account with states this account is schedule to continue on file until XX/XX/XXXX, completely different that what is reported XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have received no assistance from Experian or XXXX as far as removing the bankruptcy that is on my credit file resulting from identity theft. I submitted my police report, affidavit, proof that I was out of the country when this bankruptcy was filed ( I was out of the country from XX/XX/XXXX-XX/XX/XXXX and this bankruptcy was filed in 2011 ) as well as handwriting/signature comparisons to prove that the signatures on the bankruptcy papers does not belong to me and was told by XXXX that they have denied my request to block the information. I also sent the original petition for the bk that I pulled on pacer.gov to show that it was not my signature. In addition, the accounts that were included in this bankruptcy ( listed on the last page ) were never even on my credit file. I will take these XXXX bureaus to court if I have to, and i have already filed multiple complaints against them with the XXXX, FTC and CFPB as well as your organization and they still continue to report this information even after I have submitted the proof that this was never filed by me, the bk does not belong to me and that someone did this without my knowledge. Please contact this company to get them to remove this, as they are in clear violation of my rights

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 02/16/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: My business was a victim of end keeper fraud. The branch admitted it was fraud but the corporate Chase credit card processing branch still gave the funds back to the buyer. The fraudulent buyer who made a claim produced no tangible proof to chase or us except a one paragraph statement. The back never gave me a chance to prove we followed sale code as per the California state BAR. The buyer moved out of state after sale and made a fraudulent claim. XXXX never gave us a chance to view his complaint about merchandise or personally see if his claim was valid. The bank reversed the charges of {$6000.00} parts and labor and allowed the client to keep {$4000.00} of our merchandise. Chase bank and the credit card processing branch are the same company called Chase/XXXX. Chase lied and told us the clients bank made a case against me but turns out we both bank with chase.

Company response to consumer: Closed with explanation