milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-09-2017 about Mortgage (FHA mortgage) with BOK FINANCIAL CORP (TX).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX, Bank of Texas/Oklahoma failed to pay the full amount due for XXXX Homeowners Insurance. In XX/XX/XXXX, per the third-party-lender Foremost, notification was to sent to the mortgage company requesting the remaining {$290.00} due for the insurance or the insurance would be cancelled. Due to a failure of payment the insurance was cancelled in XX/XX/XXXX. I was never provided any of this information from the insurance company or the mortgage company, until I contacted my insurance company, XXXX, in XXXX. XXXX made contacted with BOK regarding this issue which could not be resolved. Due to the lapse in time without insurance I am unable to get homeowners insurance at this time & will have to resort to the mortgage insurance provided by BOK. I have been trying to resolve the issue of escrow with BOK since before the XX/XX/XXXX. Currently I have {$1700.00} of escrow which was intended to pay Foremost for XXXX ; however, it is now an overpayment as the Mortgage Insurance is less than {$520.00} per year. BOK is refusing to complete an analysis on my account in order to release the escrow funds and lower my monthly payments by approximately {$100.00} per month or more. I have spoken with multiple supervisors & representatives all of which assure me that someone will return my call & be in contact with me. Since XX/XX/XXXX, XXXX people, XXXX of which claim to be supervisors, assured me they would call me back within three days and to date I have yet to hear from a single one. My funds have yet to be released & returned, and they are calling me about past due payments in which they are still charging me in excess for XXXX & XXXX payments. 

Bank of Texas aka Bank of Oklahoma XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I began receiving phone calls in relation to a debt I do not believe I owe, for a hospitalization in 2014 for which I had already paid the ER bill. The debt collector would not provide me with information about what the debt was from, specifically. I was afraid that they were not a legitimate debt collector, and I did not know where the debt from from. I therefore sent them a letter on XXXX XXXX, after many harassing phonecalls but NO mail received, asking them to contact me via mail and provide me with the following, as they are obligated to do under FDCPA section 809 : What the money you say I owe is for specifically, with a breakdown of charges and the bill from the original debtor ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor specifically, not the umbrella term of " XXXX XXXX '' as I have called both branches of XXXX XXXX to no avail ; Prove the Statute of Limitations has not expired on this account ; Provide me with your license numbers and Registered Agent. 

It is not XXXX XXXX and I have not received any of this information from the credit agency, Optimum Outcomes. I have called XXXX XXXX and verified that my ER bill is paid. I am now being declined for loans and credit cards because of the negative impact Optimum Outcomes has made on my credit report while trying to collect a debt that they refuse to even provide information for.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (CO).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX Please provide me with a contract and my hand written signature showing that I owe you for this debt. If I owe this debt it is with XXXX and not you guys. I demand you to remove this from my credit report or show me a binding contract between you and me with my hand written signature that I have any obligation of paying you for the debt. I also want a hand written signature from XXXX showing that I owe them this debt. If this can't be provided I expect this to be removed from my credit report with in 30 days. A photocopy of a contract will not be substantial evidence as I need the original contract to prove that this debt is mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/21/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Hello, my name is XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX, CA. phone number XXXX. Approximately one year ago was was laid off from my place of employment. I immediately notified my Mortgage company, Ocwen Loan Servicing. LLC. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Fl XXXX, phone #. XXXX, Loan # XXXX. They told me I was eligible for a loan modification. They said they would help me by sending me the necessary documents. They did and I filled them out. I also asked for help with XXXX, ( XXXX ) at XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX. Ca. XXXX A very nice woman named XXXX XXXX was assigned to my case. Her phone number is XXXX ext. XXXX. She worked directly with Ocwen, they worked together to get the Loan Modification. They told her I would definitely get the Loan Modification. But unexpectedly, I was turned down. They said because I was on Social Security and did n't make enough money to be approved for the Loan Mod. My SS is $ XXXX/month and I also get $ XXXX/mo from another home I own that I rent out. Altogether I make a total of {$3100.00} per month. We told Ocwen this and they even said that was enough to get the Loan Modification. XXXX told Ocwen that they notified her that the money I made each month would be enough to get the Loan Mod. Also XXXX XXXX applied for XXXX, XXXX, for me. I was approved by XXXX for approx. {$25000.00} which would have more then paid what I owed Ocwen. But Since Ocwen did not approve me for the Loan Mod, I could not get the {$25000.00} from XXXX. Ocwen admitted to XXXX XXXX, that I should have gotten the Loan Mod and that it was THEIR ( Ocwen 's Error ) that prevented my getting the Loan Mod. Ocwen told XXXX XXXX they would apply again for me to get the Loan Mod. Therefore, XXXX XXXX also had to apply again to XXXX for the monies to pay off my loan. Both XXXX XXXX and I have been working with Ocwen for the past year. Ocwen told us that they definitely would not foreclose on me because of their error. But today XXXX XXXX, 2015, I got notice that Ocwen was starting Foreclosure proceedings against me. Ocwen has constantly lied to both XXXX XXXX and myself during the past year, making it very difficult for me to get the Loan Modification. I definitely need your help very much to right this wrong and to save my home from Foreclosure ...

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: account was paid off on XXXX/XXXX/15. Confirmation # XXXX. Need to delete this from my all XXXX of the credit reports.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: After over 60 day duration, today I received notice from Experian Credit bureau that they do not have validation for this account in file why are they still able to report that the information reported against me by the creditor or its agent is correct. I have had issues with identity theft over the last 10 years and I demand that Experian Credit Bureau provide me as stated by law and as recognized as my right by to request that this establishment provide me with full validation that they have in my credit file that this account is owned by me. 
Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity of this debt your agency claims to have verified. Fair Credit Reporting Act 609 Disclosures to consumers : ( c ) ( 2 ) ( E ) : A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. 
The federal Fair Credit Reporting Act ( FCRA ) states that there is a time frame for this information to be furnished to me and since Experian has accepted that the information reported is true and correct I demand to see proof of this validation with 15 days of my dispute or I shall initiate and file a claim against Experian for causing me and my family extreme hardship and seek compensation for the funds lost pertaining to any value placed on the reliance of information validated by the bureaus in my credit file.Validation for Request was made to Experian via US mail on XX/XX/2017 for validation of the following accounts and account numbers. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 08-04-2016 about Consumer Loan (Vehicle loan) with YKS Acceptance, Inc. (CO).
Issue: Problems when you are unable to pay

Complaint: I bought a vehicle from Herbies auto in XXXX Colorado back in XXXX of XXXX and had to return it in XXXX of XXXX do to financial problems I later learned that they have been sued for hidden finance fees and I 'm having my wages garnished this was the XXXX vehicle that I had purchased from them and have recommended people to them I really do n't think that the should be able to garnish my wages if they have been sued in the time frame of which I purchased my vehicle from them please if you can help me that would be greatly appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. ().
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: A number of years ago, I paid my mortgage {$20000.00} in advance. This was supposed to take care of payments for a number of years. Unfortunately, XXXX continued to mark payments as late even though they had already been paid. I just went ahead and continued to send payments, as that helped. Most recently, I tried to make my payment on XXXX 's website on XX/XX/XXXX, as I always do. This went as usual with no issues, or so I thought. When I returned to XXXX from XXXX vacation, I had a late notice from XXXX in my mail. I went to their website, saw that the payment had not been made, and immediately made the payment for XX/XX/XXXX and XX/XX/XXXX. I reported this to them, but most don't even understand English in their customer service department. They have marked me 30 days late 3 or 4 times even though my account was and is paid over {$20000.00} in advance. Now, I'm having trouble getting business credit due to this unethical company. I have hired a credit attorney and my next step will be to take action if they refuse to correct this error.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2016 about Debt collection (Credit card) with Kohn Law Firm S.C. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX XXXX, 2011 the Kohn Law Firm S.C of XXXX, WI on behalf of XXXX XXXX XXXX, with debt that was bought from XXXX XXXX. Had a judgement place on me for the amount of {$4800.00}. 
My credit amount was {$500.00} and by the time of the judgement it was {$4800.00}. I just received a letter state that I now owe {$7600.00}. I my understanding that XXXX and XXXX have had complaint and action take against them in last year about how they handle debt collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Problem with fraud alerts or security freezes

Complaint: My information was hacked thru the equifax breach

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit card or prepaid card (Government benefit card) with U.S. BANCORP (PA).
Issue: Trouble using the card
Sub-issue: Problem adding money

Complaint: Pennsylvania Department of Labor & Industry made a payment of {$490.00} on XX/XX/XXXX to my XXXX   XXXX XXXX XXXX XXXX in the Name of XXXX XXXX XXXX. Funds as of XX/XX/XXXX have not been posted. When I contacted US Bank advised they will not tell me 1 ) if and when funds actually received and 2 ) when the funds will be posted to my card thus making them available to me. 

Additional concern is US Banks hold the funds in their account and delay in posting to account holder.

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 04-09-2017 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I 've recently pulled my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with this company and neither have they provided me with services or goods

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX. The accounts are fraudulent and dont belong to me.

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 07-10-2015 about Debt collection (I do not know) with CAVALRY INVESTMENTS, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company is in violation of the Fair Consumer Protection Act. I have told them that the person they are looking for is not at my number. I have also told them the number they are calling is a cell phone, and that they may not contact this number. They ignored me and continue to call from different numbers. 

Numbers called fromXXXXXXXXXXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Judgment was dismissed and settled ... never should have been placed on credit report per court agreement and settlement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Mortgage (Other mortgage) with BB&T CORPORATION (KY).
Issue: Loan servicing, payments, escrow account

Complaint: I was intentionally lied to about payoff amount for my mortgage. I had records from the new bank showing payment. BBT said the check was returned thus making payoff not include a {$910.00} payment. The next day ( 7 days after posted as paid by the bank written from ) they post as received. We switched XXXX-XXXX busn and personal acts away from BBT for this and many more reasons. They are scamming for fees. Now they only refers me to " loan officer '' to try and get my {$910.00} returned. Of course He will not answer my calls. Additionally the limited information I can get printed at my local branch shows my last payment ( payoff ) as {$120000.00} vs the actual check written for {$130000.00} and posted at my new bank XXXX of ky. This bank is the worst at consumer fraud.

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 03/13/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MN).
Issue: Balance transfer

Complaint: With moderate yet problematic cc debt ( {$13000.00} ; XXXX accounts ), I applied online to Bank of America for a balance transfer of XXXX of my existing accounts. When they gave approval with a {$5000.00} credit limit, I decided not to activate my card, intending to follow-up after more research and deliberation. Instead, B of A activated the card without consultation and applied the balance transfer to my XXXX account ( {$9000.00} ) instead of using the limit on my XXXX account ( {$4000.00} ), meaning suddenly, I had XXXX credit card payments instead of XXXX. 

I had no idea this had occurred until Friday, XX/XX/2017, when I received a phone call from B of A. Upon speaking with them, I grew incredulous about two things : 1. I did not activate my account and even responded that the credit limit was not sufficient to open the account ; and, 2. rather than transfer a single account within their imposed {$5000.00} credit limit ( a one to one transfer from XXXX to B of A ), they split my XXXX account, meaning I had to continue paying on my old account and now ... on the bank of America account which I never activated because financially, I am only capable of paying down XXXX credit card balances. 

Now, I am getting up to 5 calls a day at home and work from B of A and it does n't matter who I speak with, there is no amiable resolution. I told one rep that for them to start dinging me with late fees and interest was absolutely unacceptable. Yet, the story remains that whoever at B of A I speak with, they just want money and are oblivious to the unfair practices of a ) opening my account ; and b ) doing so without my input. 

This truly represents bad customer service and bad business practices by bank of America. even when I have been forwarded to a service manager, I have to start from " my story '' from square one. B of A 's most repeated solution is for me to get the money back from XXXX, which is akin to " look, we know we kind of screwed you over here, but it 's not our problem ''. 

This whole matter has become stressful and I now regret that I even applied for the B of A credit card. Their whole focus is not on making customers happy or even addressing customer concerns, it is to ensure that their collection agents have something to do. 

I am extremely disappointed in this process, even more so in Bank of America.

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 04-04-2017 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I initiated a dispute of ( according to my attorney ) blatantly unlawful credit reporting to Equifax by XXXX on XX/XX/2017. Equifax assigned this dispute the number XXXX. 

As of today, XX/XX/2017, or over two months later, this dispute is still marked " pending '' in the online system Equifax uses to provide dispute results to consumers. I called about this dispute several times and was told variously that " it 's a website issue '', " be patient, this dispute is taking extra time '', " this dispute was resolved and you did receive the results '', etc. 

I have never received the results of this dispute. I have asked the customer service representatives to mail a copy of the dispute results but that has never arrived either. 

Equifax 's failures, to 1 ) delete the erroneous information in a timely fashion and 2 ) to provide notice of dispute results within the proper time frame, constitute violations of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Credit card or prepaid card (General-purpose prepaid card) with U.S. BANCORP (NY).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint: I purchased a temporar y card at Kroger  on  XXXX / XXXX / 17 , paying {$20.00} plus a {$3.00} fee in cash. I attempted to register the card and obtain a permanent card. Their w ebsite was unable to verify my information on two separate occassions even though I correctly answered four questions identity verification questions. Their automated phone system was not working. Their only alte rnative was to fax or mail my social security card and passport information. I am not willing to do that. I asked for my {$23.00} to be refunded. They only offered to refund the {$20.00}. I told them that was not acceptable, I expected my full purchase price to be refunded.

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 03/22/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with PNC Bank N.A. (WA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage provider is refusing to cancel my PMI and has required me to use an appraiser that they own ( thus their own bias ) to have my home appraised. What 's more the fee for this appraisal, {$500.00}, is far higher than any third party appraiser for a small, XXXX square foot residence. I would like to use an appraiser lacks the biased interest for the lender and allows me to reuse such appraisal if I choose another lender.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (AR).
Issue: Loan modification,collection,foreclosure

Complaint: For several months I have attempted get an explanation or get compensated for what I think are a set of unfair events. These events caused me to loose my home which was subsequently destroyed by fire. Wells Fargo stated that my loan was sold to another company which would not accept verification of my address as a mail box. My utility service was on at my home but the mailing address is the XXXX. XXXX which Wells Fargo had in its file for over 7 years. The only item remain to be considered for a work out was verification of utility service. The bill clearly stated that service was established at the address of the home. The request for modification was denied for this reason. my home was sold.

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