milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
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: I am filing this complaint because my request to provide me with the documentation that their company has on file that was used to verify the account I disputed, has been ignored. Being that they have gone past the 30 day mark and can not verify these accounts, under  Section 611 ( 5 ) ( A ) of the FCRA- they are requi red to " ... .promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (NV).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Unknown account which I do not owe. I have disputed with nothing received by this company. Please help

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 02/22/2017 about Bank account or service (Other bank product/service) with TD BANK US HOLDING COMPANY (NH).
Issue: Making/receiving payments, sending money

Complaint: TD bank advertises foreign currency and exchange services however the daily rate on the bank website is not honored when customers exchange currency at the bank. Upon follow up the bank has no department or customer service agents that can address such discrepancies exempt to refer back to the branch. The branch staff defer to the bank as they have a set rate in the computer they are quoted to follow and they are under no obligation to honor the exchange rate quoted on the website. 
I exchange {$1900.00} XXXX on XXXX for XXXX at a rate of XXXX which equals XXXX XXXX for every dollar. The official TD bank exchange rate quoted on the website on the same day and same hour was XXXX or XXXX. The difference for the total amount was XXXX in addition to the exchange fee. The market rate on the same day was XXXX to {$1.00}. 
TD should honor the rates on its website and should give their custody service the training and tools to address calls on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Credit card () with SYNCHRONY FINANCIAL (TN).
Issue: Delinquent account

Complaint: I have had a probem with a credit card my wife got thru walmart/ synchrony bank.I asked for a settlement on the account due to divorce and i made the payments as scheduled and even called on around the XX/XX/XXXX to make sure everything was ok and i was assured that everything was ok and the debt was taken care of i should receive a letter stating the same later in the month .I just received a letter today stating i didnt make the payments as arranged and that this will be declared a bad debt. I just got hung up on by the sychrony bank because they say they are missing my last payment after another rep said it was made plus i have proof that my check has their endorsement on it

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 12-09-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: My loan servicer Ocwen transferred my account and did n't notify me until XX/XX/XXXX when I placed a call to them inquiring about the XXXX draw on my account from insurance proceeds. Ocwen then informed me my account had been transferred to XXXX XXXX XXXX XXXX ( XXXX ). I was not notified nor was I provided reference number to inquire of the new servicer - XXXX. XXXX states they cant find me by name, property address nor SSN in their system and cant assist me with locating the account or the status of the XXXX draw to complete the work on my property that burned on XX/XX/XXXX. The insurance proceeds and requested claim forms was sent by me to Ocwen Loan servicing LLC on XX/XX/XXXX Priority Mail. Ocwen sent me a draw on the funds - approximately XXXX on XX/XX/XXXX. Work was started on the property XX/XX/XXXX. I notified Ocwen on XX/XX/XXXX that the property was approx 42 % complete and requested another draw. Ocwen responded by sending out an inspector on XX/XX/XXXX who took pictures and stated I could expect a check in 5-10 business days. I called Ocwen on XXXX and was told the account had been sold on XX/XX/XXXX and the remaining insurance funds have been transferred to XXXX. I asked Ocwen Claim Rep and customer service what sense did it make to transfer the account, not notify me but continue conversation about the draw even as late as XXXX - especially since they say a letter was sent on XX/XX/XXXX notifying me of the transfer. During this process on XX/XX/XXXX, I was transferred 6 times put on music hold by XXXX claims reps and XXXX customer NO service persons, told they didnt have the funds and didnt have an account number for me to reference and that I should contact new servicer. Finally after asking customer NO service for new servicer contact number after my 6th hold experience I was given a number for the new servicer. On XX/XX/XXXX CLAR customer no service states no record of the account could be found. On XX/XX/XXXX XXXX customer service and claims dept says no record can be found. The XXXX customer service rep did give me a number for the claims dept. In my multiple calls with both Ocwen and XXXX I have communicated that I have contractors onsite and they need to be paid. No one knows where my account is at this point - nor the funds from the insurance claims. I need the funds to complete the renovations and put property back in a repaired state. I do not want the property just sitting half finished and invite vandalism since the property can not be occupied in its current state.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (PA).
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: Capital One charged a False Cash Advance Charge for {$10.00} which was applied to the balance. The reason they claim this was charged was because a payment I made for a loan through a bank with a Credit Card, they 're claiming was a Cash Advance.
This is a fraudulent Fee Allocation because I simply used a Credit Card to pay a bill, not to receive cash or a cash loan. I have discussed this with a Credit Card Attorney, and they 're claiming that you can not allocate Cash Advance Fees for Transactions that took place where no Cash was received by the borrower. If the borrower is not absolving any cash, then such transaction is categorized as a Purchase. Furthermore, the Available Credit on the account appears to be demoted to {$0.00} even when there 's sufficient credit available above {$0.00} as a result of Pending and Posted transactions.
Speaking with some representatives at this company, I am shocked at how some of these people address borrowers. These people are extremely unprofessional and tend to deflect any responsibility for any wrongdoing. If this behavior continues, I will gather a group of members together to file a civil action lawsuit against Capital One for abuse of its authority and wrongful debt allocation. I am not alone in this situation, and luckily I know many people who have the same issues with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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: I previously disputed an account listed as XXXX XXXX XXXX on my credit report that was showing open/late. The account was CLOSED as a result of my numerous disputes. HOWEVER, the TRANSUNION account was closed at a balance of {$130000.00} on a vehicle with an original balance of {$12000.00} The disputed amount was {$13000.00}. Somehow, an additional XXXX ' was added to the balance causing it to change from $ XXXX to $ XXXX. The account was closed at the XXXX and XXXX  with {$0.00} balance. This needs to be updated and corrected ASAP! Document is attached to show error. I called Transunion on XX/XX/2017 to correct this issue. They declined and opened a dispute because they stated it came from the creditor at the noted balance.

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 10/15/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (MI).
Issue: Loan modification,collection,foreclosure

Complaint: I have not been able to get Ocwen to modify my ARM mortgage. I have tried a few times over the years. Their last response was that it was modified in 2008 and is ineligible to be modified. Mortgage rates have been so low and because my mortgage is considered " underwater '', I really can not refinance it elsewhere. I just want a LOWER, FIXED RATE! Based on comments I have read on the internet, I am not the only one having issues with Ocwen. Complaints have been written by homeowner around the country. I even read where the XXXX has investigated them for their practices of not helping homeowners by rejecting loan modifications.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I moved out of XXXX and had to return my XXXX equipment. XXXX does not have XXXX and I needed to ship the equipment back. After XXXX calls in which I was promised return boxes for the equipment, I was contacted by a credit collector asking for ~ {$700.00}. I finally drove to XXXX and returned the equipment and have the return receipt. I was never told that the credit collector was going to file a derogatory statement against my credit. When I was turned down for Student Loan refinancing, the refinance company made me aware of the {$200.00} claim against my credit. This is a false and erroneous claim and there should be penalties for predatory behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I was constantly getting harassed on my cell phone and at my former job by this company. Not only would they continue to call after being told to stop, they would call from a different number. They have called me from at least XXXX different numbers and over 100 calls. I paid this just to stop the harassment not even knowing if the debt was mine or not. When I actually looked into my credit and asked for debt validation, all I get is my name and an amount owed, which I have no idea about.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Before my loans went into repayment once I graduated from grad school, I chose to consolidate. My loans were transferred to FedLoan Servicing. I have previously had loans consolidated with XXXX and have only had good experiences. I currently pay my student loans from my previous degree through XXXX 's direct debit system, with the same bank I am attempting to use with FedLoan. They have repeatedly approved my application for direct debit, then told me I had insufficient funds ( I do not ). I have had issues with them telling me my routing number is wrong, I change it to the one they tell me, then it 's still not going through. It seems that they are deliberately complicating the process of direct debit so that the interest rates do not have to be dropped the tiny portion of a percent. Every time I use my banking information to make a phone payment, that MAGICALLY goes through. I have been calling them at LEAST monthly to correct this issue since XX/XX/XXXX and it is now XX/XX/XXXX. I have launched my second complaint with the ombudsman and requested that I have my account transferred to another provider, hopefully XXXX, because clearly this is a predatory lender.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: i recently check my credit report and saw my citi credit card ending in XXXX has been reporting past due look at the information ACCOUNT DETAILS I HAVE NOT BEEN RECEIVING MY STATEMENTS BY MAIL FOR MY CITI PRESTIGE AND CITI SIMPLICITY Account Name CITI Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Open Payment Status Past due 30 days two times Status Updated XX/XX/XXXX Balance {$6000.00} Balance Updated XX/XX/XXXX Credit Limit {$6500.00} Monthly Payment {$90.00} Past Due Amount {$180.00} Highest Balance {$6500.00} Terms Revolving Responsibility Individual Your Statement - Comments Account in dispute-reported by subscriber Our Top Pick for you. 


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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 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: It takes over a month for them to post payments that are made in excessive of what is due, so they can continue to charge more interest. I made the payments online, so I should n't have to pay a penalty for them taking so long. I also do n't agree with the interest charged. The interest should be less each month due to my overall loan status going down, but it is n't. When I was making payments through the mail, Navient would post the extra money I paid on the lower interest loans as well. This should automatically go towards the higher interest loans.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: They keep calling even after I made payment. Un fair pratices in regards to re-payment options. Very mean and nasty people.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Greetings, We are in a Foreclosure of our home which we have owned for almost eleven years. 
Previously, We had an incident which put us in a Foreclosure status ( my dad was in XXXX different hospitals for almost eight months, until he passed away ). 
At that time, ( XXXX/XXXX/XXXX ), we " Reinstated '' our mortgage and paid XXXX ( {$23000.00} ). 
We are now dealing with my husband being unemployed after thirty four years at the same employer, and my real estate business had declined. 
I submitted all the requested documentation to apply for a HAMP, and my mortgage company, Wells Fargo, denied the request, stating we had already received a HAMP modification. 
My understanding is monies are not requested nor given to the Mortgagor/Servicer when a HAMP modification is received. 
Today, I received certified letters stating our home is in Foreclosure and a Sale is imminent. 
On XXXX XXXX, XXXX, I faxed a letter to Wells Fargo requesting the documentation showing we had received the HAMP modification. 
As of today, XXXX XXXX, XXXX ( over two months ) and I have not received any documentation pertaining to a previous modification. 
We do not want to lose our home, and would appreciate greatly acting on our behalf. 
Thank you kindly in advance, XXXX, Ca. XXXX XXXX cell Wells Fargo/American Servicing Company Loan # 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 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (OR).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: XXXX    XXXX   XXXX   XXXX   housing settlement. The attorneys embezzled it and put my children up for  XXXX . They used my credit by filing a false me in in chikd support against me then had me   XXXX   and now a credit REPORT shows I am a   XXXX   and the order to be dismissed is not there. It keeps me from getting jobs or credit.     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Prepaid card (General purpose card) with Blackhawk Network Holdings Inc. (WA).
Issue: Unauthorized transactions/trans. issues

Complaint: Blackhawk XXXX gift card. An on-line merchant employee took card info during a purchase and attempted several transactions. XXXX succeeded ; XXXX XXXX XXXX for {$250.00}. Blackhawk says it was a valid transaction and refuses to return the money to me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (CA).
Issue: Settlement process and costs

Complaint: Dear whom it may concern, Hello my name is XXXX XXXX and I live at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
I had my home loan with Chase Bank many years. After the subprime mortgage crisis our family experienced lot of financial hardship. Around XX/XX/XXXX, Chase Bank mailed to us an offer for refinancing with dropped interest rate. They said if I refinanced, my mortgage payments would be lower. At the time I thought it was a good idea so I applied. 
During the loan refinancing process I asked Chase a few times about any available government modification programs, and they said no, I did not qualify. They said that since my credit score was low could make 6.75 % to 5 % with 1 % point principal add charged, I did n't have any choice but to continue with the refinancing. 
After a couple month, we finished the refinancing process in XX/XX/XXXX, we unfortunately began to suffer financially even more than previous year. We were unable to make the mortgage payments for about 2 years. 
XX/XX/XXXX, we had a mortgage loan modification with Chase. When I asked them again about any government modification programs, Chase told me that I did not qualify because my loan was after XX/XX/XXXX. I said, but my original loan was from a long time ago and I did the refinancing because the bank told me it was the only option for lowering my mortgage payments. They told me my loan still did not qualify for government modification programs. Instead they could put us through Chase Bank modification program. 
We did not have any choice ; our family needed a place to live. 
Since the modification in XX/XX/XXXX, we have been paying the payments. 
I am a XXXX citizen. We are not a primary English language using family. I know now the government loan modifications started XX/XX/XXXX. It seems to me that the bank intentionally prevented me from benefitting from the government modification programs. They told me the only way for me to have lower mortgage payments was to refinance, but this only ended up blocking me further from government modification programs. 
I think my loan modification was unfairly settled up. I would very much appreciate if you could please review entirely my case, and help in any way you can. Thank you for your time and consideration. 
Chase Original Loan Number : XXXX was 6.75 % XX/XX/XXXX Refinanced Loan Number : XXXX current.XXXX % XX/XX/XXXX Modification 5.0 % Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Credit card protection / Debt protection

Complaint: I discovered a CitiAdvantage Gold credit account with an {$18000.00} line belonging to my clients this month and attempted twice ( on XXXX XXXX & again today, XXXX/XXXX/16 ) to ask Citibank that the account be frozen or closed for my client 's protection. Both clients, husband and wife, are in their XXXX, and are currently XXXX, with active cases assigned to my agency through the XXXX county California Probate Court. Each time I called my call was disconnected by Citibank. During the first call I was given a fax number and asked to provide copies of the Court Order & Letters setting forth my authority as my clients ' Conservator, which I immediately did. No one responded to my fax ( I have confirmation it was received ), or to either of my calls. Citibank would not disclose any details about the account, they ignored my fax, and all staff I spoke to appeared wholly uninterested in protecting my clients ' credit, safety or security. Everyone I spoke to at Citibank seemed to convey their sense that I was creating the problem by bringing this to their attention. I was n't even trying to close the account, merely to freeze it until I could secure the cards and learn their location. What good are elder abuse protection laws and agencies - either public or private - when financial institutions act like they do n't care about protecting seniors?

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