milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-01-2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Advertising and marketing

Complaint: Attempted to apply online for an XXXX Visa Signature Card after receiving an offer through the mail for an XXXX Visa Signature Card with a XXXX Mileage Plan sign-up bonus. I searched online and found the same offer but with a {$100.00} statement credit. I applied and was notified that I was approved. However, in the fine print, it stated that since I was actually approved with only a {$2000.00} credit limit this would mean that I would receive a Platinum Plus account. NOT the card that I applied for and this card does not offer the signup bonus that prompted my application. 

I called their customer support number and they said that they could request for my credit line to be increased to {$5000.00} and then switch my card to the Signature Card but even if they did so I would not be able to receive the advertised XXXX sign up offer because it has to be approved at {$5000.00} initially in order to receive the bonus. I feel that this is a blatant Bait and Switch scheme. 

I then decided to apply a second time but this time using the credit card offer that I received in the mail ( also for XXXX bonus miles ). Again, I was approved by only for {$2000.00} worth of credit. I called their customer support number again and they said that they could merge the XXXX {$2000.00} accounts and then I would have XXXX {$4000.00}. At that point, they could seek an increase of an additional {$1000.00} to get me to a Visa Signature Card and request to honor the XXXX sign up bonus. After remaining on hold for some time, the agent said that they had canceled XXXX of the {$2000.00} and I now had a {$4000.00} Platinum Plus card ( not a Visa Signature ). He then informed me that the bank 's policy did not allow a credit line increase within the first 90 days so I would still be unable to get the card that I actually applied for. Since they were not able to give me the card that I wanted, I was forced to cancel both new accounts. I was NEVER applying ( at least willingly or knowingly ) for the Platinum Plus cards. 

This negatively impacts my credit report as I now have XXXX hard pulls on my credit report and XXXX closed accounts that will now affect my average age of credit history ( XXXX accounts for no reason will bring down my average age of credit overall ). 

This is bait and switch and I have since read about many other customers who have been victim of this Bank 's scam.

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 07/22/2017 about Debt collection (Auto debt) with United PanAm Financial Corp. (NY).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: I have an open loan with United Auto Credit. I have been diagnosed with XXXX. I am struggling to pay my loan. I am in default. I understand that I am at risk for repossession. The company has not done that ... ... ..instead they call me 5 or 6 times a day sometimes 2 or 3 times in a row. They have been calling my employer the same way leaving messages on any line they can get and also with staff as well as on my direct line. I had asked that my work number be removed from the file last year and was told that it was removed. The tactics of this company are suspect to me accompanied by the fact that this company sent me a record of account holders names and account numbers by accident which definitely violates some laws I 'm sure.

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 10/21/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Struggling to pay mortgage

Complaint: My mortgage has been paid in full. I have a cancellation of debt that has been filed with the court since XXXX/XXXX/XXXX by the original Grantee. The mortgage company has me delinquent since XXXX and is trying to foreclose on my home when the debt has been satisfied. Their attorney keeps sending collection notices.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have disputed inquiries on all three credit bureau reports both with each company by certified mail and with each reporting credit bureau ( XXXX, Equifax and XXXX ). They legally had five business days to verify my signature and authorization to run my credit report or remove the inquiry from my credit reports. I have received no verifications from any of the companies or from any of the Bureaus as to how they verified each inquiry.Legally they must be removed if the company can not provide my legal authorization. XXXX inquiries, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX. XXXX inquiries, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX. Equifax inquiries, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. I am trying to get a mortgage and these unauthorized inquiries are keeping from doing so. I have legally done my part by law to dispute and ask them to be removed without any reply from each company or the three credit bureaus. The bureaus will not legally comply.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Mortgage (VA mortgage) with QUICKEN LOANS, INC. (OR).
Issue: Application, originator, mortgage broker

Complaint: Quicken loans is reporting that I have Tax Liens even though I have paid them off and are informing me that I do n't qualify for a VA Home Loan because of it. Can you help me with that?

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: THERE WAS INQUIRES ON MY CREDIT REPORT THAT I DIDNT MAKE IT MADE A HARD INQUIRE ON MY CREDIT REPORT AND NEED TO BE REMOVED BECAUSE XXXX FAILED TO SEND MY PROOF THAT I MADE THESE INQUIRES

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX This item does not belong to me, and it keeping me from getting a job.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed this entry for more than 2 years now. Experian, XXXX refuse to remove this entry even after I sent them evidence that this account should be deleted. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/26/2016 about Debt collection (Credit card) with Patenaude & Felix APC (CA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I have had several debt collectors trying to collect on an obsolete credit card debt. It has been over 10 years and still they try to collect on this debt. Now they are using official Superior Court of XXXX XXXX court forms. Illegally. I look up the Court Case Numbers and they are always unknown or false. The whole thing is a wrong. They say they filed a Notice of Levy, but it is a lie. It is a way to scare me into paying them. I think this is criminal. I am wise to them. I hope others are not falling for their lies. Look up the court case and ask some questions first.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MI).
Issue: Settlement process and costs

Complaint: The judge said what they get is what they get when they sale not on my credit report of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Mortgage (VA mortgage) with PHH Mortgage Services Corporation (TN).
Issue: Loan servicing, payments, escrow account

Complaint: I was mailed instructions on paying my mortgage off early. We decided to wire the money in an account that the mortgage company provided. Our bank follow the instructions and wired the money. Three days had pass and I check the balance on this loan. The money was n't posted to my account. So I call the mortgage company. Their call center is in the XXXX. They submitted a research on this wire and never call back. At first they say we enter the wrong account number on the wire. Our bank checked with XXXX XXXX they told us the wire was in the right account. They will not return the money, that PHH needs to pull the wire. This has been going on for over three weeks and the mortgage company will not talk to us or returns any phone calls. We keep getting the run around. Where did my money go?

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2016 about Mortgage (FHA mortgage) with Finance of America Mortgage LLC (CA).
Issue: Application, originator, mortgage broker

Complaint: I started working with Finance of America on XXXX XXXX, 2016 after giving them my social security and all my doc and signing the Good Faith Disclosure I was told later that I needed to make more income on XXXX XXXX. I am retired I get XXXX a month after tax I only have a house note and XXXX credit card with a XXXX % debt ratio the requirement for FHA is XXXX %, On XXXX XXXX I spoke with the Loan originator and told him I would be going with another company and asked him to release my case number so I could get my loan done with the new company. The new company sent the information over to them requesting the release of the case number that I signed. This was after 4 day with no response from Finance of America. After 3 days the case number still had not be released I spoke back with the loan officer and sent him a copy of the form I had signed on XXXX XXXX still nothing was done. On the XXXX of XXXX I sent an email to the loan officer again This email is to inform you that I will be filling a complaint with the CFPB for your failure to comply with the Law on my right to cancel with your company and you to release my case number in a timely manner. I notified you by phone on XXXX XXXX 2016 that I was canceling and going with another company by XXXX XXXX the case number was still not released then you were sent an email letter dated XX/XX/2016 requesting that the case number be transferred to the new company and still nothing is done. You are in violation of my rights to go with a company of my choice.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Debt collection (Medical debt) with Express Recovery Services, Inc. (UT).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Express Recovery was reporting an amount on my credit report, which I have never received any information on. I sent a validation request initially a few months ago, asking for them to validate this amount, if this is a medical bill which member of my family it was for, dates of service etc. They never responded to the initial request, so I second one was sent on XXXX XXXX, 2017. Both requests for validation and verification contained all of my contact information so they could provide the requested documents and get a hold of me easily. No correspondence to date has been received, I obtained their fax number today and faxed a cease and desist notice as they have violated FDCPA regulations in not only refusing to provide the validation as requested in writing, but also by continuing to collect and report on this account without validating.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Student loan (Private student loan) with WELLS FARGO & COMPANY (IL).
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint: This is a follow up to complaints : XXXX XXXX I have not received the info. I requested to verify the validity of my cosigning status. XXXX XXXX XXXX XXXX XXXX has not been forthcoming in providing the info. I requested. I do not want to file a fraud complaint until I receive all the info. I requested.

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 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: Equifax has failed to conduct a proper investigation on the inquires that are unauthorized on my credit report. I have attached the letter I sent them and they sent me a computer generated response saying the inquires were factual and there is no way they did a proper investigation while seeing proof I authorized these inquires. I 'm just asking them to comply with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (MI).
Issue: Shopping for a loan or lease

Complaint: When I purchased a car from a dealer they told me I had to purchase extended warranty and XXXX insurance or the deal was off. What can I do to get compensated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: my credit history is not accurate Like previously open account on verify your identity are unknown to me. im unable to verify my identity because the option given arent mines

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 05-01-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I am a new homeowner and have only had a mortgage since XX/XX/XXXX. My mortgage was sold to Ocwen Loan Servicing LLC . Almost immediately after closing, I received a letter from Ocwen Loan Servicing LLC, stating that I did not have homeowners insurance, even though it was a requirment to get approval for a mortgage. The letter stated that if I did not show proof of insurance, Ocwen Loan Servicing LLC would purchase homeowners insurance at a cost greater then if I had purchased my own homeowners insurance. I contacted my insurance agent and requested that they get in touch with Ocwen Loan Servicing to present proof of insurance. To cover all bases, I also sent via certified mail with return receipt, proof of my insurance. This problem was resolved but after much hassle and stress. Ocwen Loan Servicing LLC just made a large settlement in a class action lawsuit in Florida for receiving kickbacks involving this same exact insurance scheme. 

Next, in XX/XX/XXXX Ocwen incorrectly paid the XX/XX/XXXX real estate tax, even though I closed on my house XX/XX/XXXX, which brought my escrow balance with Ocwen to a negative balance. To rectify this problem, I made an additional escrow payment via check and Ocwen 's payment coupon. When Ocwen received this additional escrow payment they applied it incorrectly as an additional principal payment, leaving my escrow account as a negative balance. Since Ocwen did not apply my additional escrow payment correctly, my monthly payment due has risen and is creating unnecessary financial hardship & stress. 

This is my now my third issue with Ocwen Loan Servicing LLC and I have only been a homeowner for four months.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Received an annual escrow account disclosure statement on XXXX XXXX, XXXX that shows a shortage due of {$6400.00}. My homeowners insurance , county and city taxes have each gone down when compared to bills paid in XX/XX/XXXX. If a shortage existed last year why was there only an increase of {$96.00} monthly for escrow ( {$1200.00} for the year ). Either they have serious accounting issues or they are ripping me off. When I called the Customer Care Department and selected the prompt for escrow the person was unable to answer my questions. Escalated to Sheriff. During this conversation it was clear that the analysis they sent me for XXXX failed to properly disclose amounts paid in XXXX for the higher tax amounts. The timing in the escrow analysis has caused this huge discrepancy. Why was the first analysis performed XXXX/XXXX/XXXX and adjusted again ( down ) on XXXX/XXXX/XXXX then the next analysis not performed until XXXX/XXXX/XXXX resulting in two years of higher than originally scheduled tax amounts to be due. An adjustment should have been made earlier to prevent a negative escrow balance of over {$5000.00} to result in a 14 month period. This is unacceptable behavior from a mortgage company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (WI).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: in XX/XX/XXXX I opened a Capital One card in XX/XX/XXXX the card was compromised and I reported it to Capital one. They kept giving me the run around and sending me from one person to another. I spoke to Capital One and they was suppose to fix the fraud. Not only did I not get the money I put in the card. But they put all the money on me and said I got ta pay it.
I have disputed it over 10 times with the credit companies and no resolution. I call Capital One and they just place me one hold even the supervisors. This has been a nightmare for me, I do n't know where else to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: my income since XXXX/XXXX/XXXX to present is net loss of at least {$XXXX} to date, since I started my business. I have no taxable income to date for XXXX so far. I was in financial hardship deferment until XXXX/XXXX/XXXX payment was due. I submitted the INCOME BASED OR INCOME SENSITIVE REPAYMENT APPLICATION to lower payment AND SUBMITTED XXXX pages of proof of income, banks statements, profit & loss statement for my business on XXXX/XXXX/XXXX. and on XXXX/XXXX/XXXX because Navient specifically asked for PROJECTED ANNUAL GROSS INCOME, which I submitted on that day. After many phone calls to Navient, Navient keeps asking me for more document and keep saying they have more than 15 business days to process the request. It is apparent to me they do not allow lowering payment for me. Loan borrower has rights. I know the loan payment can not legally be more than a percentage limit of his/her income. Realistically, I can not pay with the money I DO N'T HAVE! meanwhile, I am getting penalized because I do n't have {$430.00} to pay every month. Acting illegally, Navient wo n't lower my payment. I do not want my loans to go to default!!! I keep logs of every phone conversations I had with Navient as proof. I did pay {$100.00} due on XXXX/XXXX/XXXX. I have many other personal and business bills to pay. 
I believe Navient is acting illegally. I request a fair hearing. My family household of XXXX are all eligible for XXXX program, it is based on proof of low-income.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Debt collection (I do not know) with Law Offices of Robert J. Colclough, III (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: In the XX/XX/XXXX I found out about identity theft on my credit report while going through a car loan process with my bank. I have been working closely with Experian and have filed a report with the FTC, the Police Department, as well as with every incorrect collector on my credit report. The person who stole my identity had access to my information including drivers license, signature, addresses, and social security number. It has been documented all all reports that they had used both my name as well as a " AKA '' which has since XX/XX/XXXX. Some names and accounts been removed from my report since starting to fight this almost a month ago. 

While a few creditors have already given me notice that they 've removed their information from my reports XXXX companies have proven to be rather difficult. I will write a separate complaint for the other. The XXXX one called Allied Services has missed their 30-day window of validating the debit on my account. I sent them a certified signature and required letter, which I received confirmation that it was received XX/XX/XXXX. 

On XX/XX/XXXX I sent them a follow up certified and signature required letter informing them that they failed to validate the debit within the 30 days. I also informed them the account needed to be removed from my credit report in a reasonable time frame. 

Today, XX/XX/XXXX I received a phone call from Allied Services XXXX insisting that I contact them. This has prompted me to file my complaint. I specifically requested in my XXXX letter that all correspondence must be done in writing and that there I requested that no calls be made to my work or residence.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-06-2017 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA).
Issue: Other transaction issues

Complaint: On XX/XX/2017 I sent money to XXXX using money gram. However when my receiver went to pick up the money to XXXX they were not able to give it to him due a expired IDI so he call me back and said he submitted his renewal idi but he will get it in XX/XX/XXXX way to long so next day I called money gram and since that day I am still calling them every day 3 times at day and every time I have to explain them the same situation some of them had told me I am receiving less then what I 've sent so but at the end always they have been telling me the refund is pending, call back in 45 minutes. Or 48 hours or next day or tomorrow or let me transfer you. Then they hang up or said the same thing. I am afraid they end up not giving me my money back neither my receiver in XXXX. Please help me in this matter because I am getting upset about this situation and there is no one in moneygram staff that has been able to help me and give me my money back is been a week already. Thanks

Company response to consumer: Closed with explanation