milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/16/2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen On my credit report it shows XXXX 30 days late, XXXX XXXX and XXXX XXXX. The funds was sent on XXXX XXXX, XXXX from XXXX, and Ocwen claims they did not received it until XXXX XXXX, XXXX. They also stated that the payment was in the month of XXXX XXXX, XXXX, and I was considered late. From my understating of the law I had 30 days to make this payment, and it does not matter if it was in the same month. It was due on XXXX XXXX, XXXX, and add 30 days on top of that would make it XXXX XXXX, XXXX. For the month of XXXX XXXX. XXXX XXXX from Ombudsman stated in a letter in paragraph XXXX if I could show proof that the funds were processed by my bank and received by Ocwen on XXXX XXXX, XXXX he will change the 30 days late. I as well as other people sent him copies of proof of payment that showed it was process and accepted on XXXX XXXX, XXXX at XXXX. He is not a man of his word. I would like these two months to be changed to OK on my credit report. If there is another investigation I want someone else other than XXXX XXXX to look at my case. I believe that this man not to be trust worthy, and I have a right for another person who has not looked at my case to investigate if it comes down to it.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I wrote to XXXX, asking them to stop calling. XXXX calls me every day. Each time, they use a different phone number

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: APR or interest rate

Complaint: I contacted USAA Bank to discuss the interest rate on my Master Card. My hope was that they would consider lowering the rate to help a customer pay down their balance. First, I understand this is their choice and had they said no because it was company regulations I would have been unhappy but accepted it. What they claim is that government regulations do not allow them to lower the rate. They said specifically that XXXX XXXX in the credit card act of 2009 does not allow. I read through that and it never mentioned lowering rates, only increasing them. 

In summary, my complaint is that they are misusing government regulations.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Credit reporting () with EQUIFAX, INC. (AR).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have disputed the account ( Account number XXXX ) online through Equifax information systems. Equifax came back and said that it was " verified '' by the collection agency, however they could not provide me with the information on HOW it was verified or a contract that I signed with their agency ( XXXX XXXX XXXX.. This account does not belong to me. I started checking my credit in XX/XX/XXXX When I researched my credit history I had absolutely NOTHING on my record aside from names and addresses as of XX/XX/XXXX. I applied for a credit card and was approved. Meanwhile, I check my score a month later only to find out that a company by the name of XXXX. has reported a debt that is 7 years old on my Equifax credit report. The account " says '' XXXX date : XX/XX/XXXX. However, the last reporting date was XX/XX/XXXX. This is unfair credit reporting. I have/had no knowledge of the account and feel as I have been unfairly targeted. There was no collections on my credit in XX/XX/XXXX and now there is XXXX on there 7 years old. This practice is not right and it is compromising the integrity of my reputation, and the ability for me create opportunities for my family. Please look into my situation. This company has not followed proper protocol when it comes to debt collection and had not provided me with any written or verbal communication stating they would be placing said debt on my credit report ; which is a direct violation. I should have been notified in writing five days before the account is placed on any of my reports. Therefore, the account is invalid, unverified, and illegitimate and should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Student loan (Non-federal student loan) with SLM CORPORATION (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I am late on paying on a {$25.00} payment to sallie mae. They call 8 times a day i asked them to stop calling an to send a paper statement. I have told them that i feel the calling 8 time a day is harassment, the say " the law lets us call that many times ''. I have stated that FTC Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) sub section 806, ( 5 ) " Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. '' They refused to fallow the law in regard to collations of a debt. They need to be brought to justice. and fined or jailed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Credit card () with CITIBANK, N.A. (MD).
Issue: Billing disputes

Complaint: Purchased wrong items at Macys online using a Macy 's Gift Card. Items wrong sizes. Customer service tells me to place new order for exchange using my Macy 's credit card account and they will then credit this account for exchange. 
Macy 's incorrectly ships XXXX replacement orders when they receive the returned items. 
After 45 Days of waiting and contacting Macy 's numerous times, Macy 's has still been unable to correct charges on my credit card account, and Macy 's has charged a late fee as well for not paying my credit card account on time for the incorrect charges to the account. 
Macy 's has been unable to track my accounts and purchases. All the items have been returned, and there still has not been a full credit to my Macy 's credit card account or the Gift card. Macy 's representatives were unable to identify any problems and dismissed my complaints as well. 
No confidence with Macy 's credit card account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/22/2018 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Company called me 3 times in a row after hanging up on me the first time. This is harassment

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I recently looked at my credit report ( XXXX, XXXX and XXXX ) and it indicates that I was 30-59 days late on my XXXX University loans in XXXX / XXXX 2016. 
I was not late. 
I would like to let it be known that I received the letter attached ( dated XXXX/XXXX/2016 ) from XXXX XXXX ' that clearly displays a quarterly amount due of {$560.00} ( quarterly payment due date : XXXX/XXXX/16 ). 
I would like to let it also be known that I logged in to XXXX, and made a payment of {$560.00} on XXXX/XXXX/2016 - which is the amount that was due, and which is the full amount that was indicated and reflected as due online at that time. My payment history in the last 12 months ( Attachment XXXX ) shows that I have been paying at least this amount every quarter. 
I have not received any written or verbal notification of change in my quarterly amount {$560.00} or my interest rate. I was not aware that a late fee would be assessed or was assessed since this was not reflected on XXXX on XXXX/XXXX/2016 when I made full payment. 
This incorrect record on my credit report has caused severe damage to my financial life, and I would like to request the credit bureau to immediately DELETE this record as it is false.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2018 about Checking or savings account (CD (Certificate of Deposit)) with U.S. BANCORP (CA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: mother deceased and someone received acess to her time deposit certificate that has no business and does not even know my mother i the executor and it was transfer from a bank in another county and then into his account and XXXX XXXX XXXX XXXX and then transfer to us bank on mom last statments there was around {$45000.00} and at the time of transfer it was done with a XXXX XXXX forged bankruptcy by XXXX XXXX XXXX who is the investgator for this area and it a been proven that he had us bank on a penal code 1155.200 2 % of my deposit in my own account with the wording of unavailabl ; e funds and i never saw them back into my account when i ask no one told me about this next incumbent b.s. the rules that i received say its for homeless people i thought you would be interested in these rules i will forwad them to you and fraudlant charges that the fraud dept credited and us bankl did not credit account they closed this account i have been very patient and i did not want to do this but i have no choice..

p.s social secuiry given to a unknown person as a domestic partnerwhich is social secuirty and the va also gave gi money that was my fathers and he is deceased.

respectfully 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 explanation
Consumer complaint received 01-06-2017 about Credit card () with AMERICAN EXPRESS COMPANY (VA).
Issue: Rewards

Complaint: I submitted an application for an American Express XXXX credit card based on an online offer for XXXX points after spending {$3000.00} in the first XXXX months ( see attached ). Instead, I received XXXX points. I contacted American Express several times about this, and they said the XXXX points offer had expired, even though that was the offer I saw and the reason I signed up for the card. Regardless, the offer shortly after I signed up for the card was for XXXX points after spending {$5000.00} in the first XXXX months ( see attached ). In addition, American Express took away XXXX points from my account without any explanation in XX/XX/2016 ( see attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have a account thats not not mine should be pay by Insurance because i have Medicaid an Medicare an XXXX XXXX XXXX its XXXX Dollars so it should be pay.Thankyou XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have a Macy 's store credit card, and typically pay off the balance in full. I have n't carried a balance on the credit card in months, but in XXXX started receiving $ XXXX monthly charges on a {$0.00} balance, with paper statements sent sporadically / not on a monthly basis. Since it takes so long to reach a live agent on the phone ( 20-50 minutes ) I typically paid off the {$2.00} interest charge every month, and imagine a lot of other customers are doing the same. In XXXX of XXXX my Macy 's credit limit decreased from {$1200.00} to {$300.00} with no explanation and no notice, causing my credit score to dip slightly. In XXXX of XXXX my credit report showed that Macy 's closed my credit card account entirely, again with no notice or explanation. My credit score fell again. I called Macy 's and spoke with an agent who apologized and said there was a glitch in the system, offering to re-open my account. I declined and asked that my account remain closed. The agent said that if I wanted to discuss credit report issues I would need to call the credit reporting department. I called that department and was on hold for 35 minutes, then decided the few lost points on my credit score were n't worth the time and hung up. In XXXX I again began receiving sporadic paper statements, each for {$2.00}. I paid off a couple of months and tried reaching a representative to figure out why I was being charged on a closed account. In XXXX of XXXX I was assured that I would no longer receive monthly bills on a {$0.00} balance, and that my account is closed. Today, XXXX XXXX XXXX, my credit report shows 3 late payments, all from Macy 's, on a supposedly closed account. To date, Macy 's caused my credit score to drop more than 40 points. I called Macy 's and spoke with a representative who again apologized and removed the {$2.00} charge for the last 3 months and informed me that I can discuss credit report issues with their credit reporting department, which works different hours. I asked for the status of my account and was told it 's in " Hold '' status due to the remaining balance. I asked the representative to close my account. After a few minutes, she said she could not close it because it 's " showing up as already closed ''.
I 'm frustrated and angry that Macy 's is getting away with this, and am shocked this has n't yet resulted in a class action lawsuit. The shady business practices started ( at least for me ) around the same time that Macy 's reported financial struggles -- closing down stores and letting go of employees -- but stealing from consumers is not the way to stay afloat. Many people are having this experience with Macy 's : 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 monetary relief
Consumer complaint received 02/26/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (MA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: The dispute is over a {$610.00} charge on XX/XX/2018. The charge should not be on my account because I had received an email from Chase on XX/XX/2018 stating that the charge is declined and that my account will not be charged unless I attempt the transaction again. As a result of the email assuring me the charge was declined, I did not take any actions with the merchant. I did not attempt the transaction again so the fact that it later posted on my account is an indication of an unauthorized charge. The merchant has a 4hr cancellation policy and so when I found out Chase did not in fact decline the charge as Chase said it did, it was already too late for me to cancel the charge with the merchant. 

I have disputed this charge with Chase and provided Chase with the email evidencing the fact that this {$610.00} charge had already been declined by the Chase and thus should not be on my account considering I did not attempt the transaction again. Despite evidence of my not authorizing this charge, Chase refused to credit this amount back to my account. Chase decided to validate this charge and disregard the fact that the XX/XX/2018 email it had sent to me clearly assured me that the charge was declined and that I would not be charged unless I attempt the transaction again. Chase misrepresented the fact that it had declined the {$610.00} charge and as a result, I am now held responsible for a charge that could have been canceled in time had Chase not misled me into believing that the charge had already been canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax deleted then re-inserted a collection account that is not mine. 

Please see former complaint. I will copy and paste the info for your review. 

Equifax said : Explanation of closure Equifax has reviewed your complaint and its records regarding your dispute. The XXXX account XXXX has been deleted from the credit file. Written confirmation has been mailed. 
Relief XXXX account for XXXX XXXX XXXX has been deleted from the credit file per the credit grantor. 

Response *Equifax reviewed the complaint, its records and initiated a reinvestigation. 
*Equifax did not receive any additional communications from the consumer during the review of the complaint. 
*Equifax will mail the results of the reinvestigation within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: XXXX allowed XXXX to alter my original file after five years and add a {$260.00} balance and change the length of my loan from 60 months to 65 then show me as currently late on a charged off loan. I disputed this after it dropped my score 30 points. Then I had to wait 30 whole days for XXXX to send them my XXXX loan info instead. It does n't even match and they cleared XXXX and left the false information. I immediately started another dispute online. Now they say I have to wait another 30 days to see if the correct info will be sent even though I showed them on there own report that both loans have been assigned the same account number, but I do have proof from a 2015 trans union report that they originally did not. I repeatedly asked if anyone else could help in this matter legally speaking and XXXX said NO that they and the companies controll what go on the report!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are several late payments from the months of XX/XX/XXXX to XX/XX/XXXXthat are inaccurate I am not responsible for the inaccurate information reporting to my credit file please fix this ASAP

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 10/17/2016 about Debt collection (Medical) with Synerprise Consulting Services, Inc. (OK).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On XX/XX/XXXX I checked my XXXX credit report and a new collection debt was added. The debt collector is Synerprise Consulting Svs INC, the original creditor is XXXX and the balance owed is {$370.00}. The date the debt was opened was XX/XX/XXXX. I have not received any correspondence from this company about this debt and I 'm confused as to why this is just now showing up on my credit report from almost 5 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Credit card () with SYNCHRONY FINANCIAL (MO).
Issue: APR or interest rate

Complaint: Synchrony Bank ( Wal-Mart ) is the subject of this complaint. On several occasions ( all calls were recorded on my end, in consideration of Missouri law ), Synchrony Bank has received payments, collected the funds and then not applied them to my account. Eventually, after a week of ( post collected ) funds they will post it, but not apply it to the available credit. They say, that they do not like that I make multiple payments per month to pay down the account. I pay the account in several installments to avoid accruing interest. I will be charged interest on funds they received and have collected, even though they have received the payment. There has never been a later payment. There has never been an over the limit situation, there has never been a returned payment. My account is also on auto pay in addition to what in addition I pay each month. Usually, about XXXX to XXXX payments each month, depending on my income for that month and how much the card is used. I pay all of my credit the same way, no other financial institution has an issue with how many payments are made each month. The goal of synchrony is to unlawfully collect interest on a debt based upon the unpaid daily balance in-spite of having the payment from the consumer and thereafter having evidence the payment cleared and still collecting interest unlawfully.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Account opening, closing, or management

Complaint: Bank of America denied access to my banking account and held my funds without giving me access to my funds. Bank of America states that they will be closing my account and my account will be on a hold status. Account number XXXX, also I was denied full disclosures.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My complaint is in regards to the XXXX/XXXX 2017 Equifax breach. I had just learned about the breach on X/X/2017, and evidently Equifax did not notify customers that their personal identifiable information ( SS #, name, address, birthday, etc ) had been compromised as soon as they learned about it. Such negligence could have allowed numerous hackers to commit identity fraud that could have been prevented. They are also defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 
In addition to Equifax 's negligence, XXXX, XXXX, and XXXX should NOT be charging customers with potentially leaking information a fee to set up a Security Alert. A police report should not be necessary in situations such as a massive hack. 
Furthermore, they have a responsibility to notify EACH and EVERY individual who was a victim of this hack.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: For many years my phone number has been associated with a debtor. Each company eventually sells the debt and then that collection agency starts calling me looking for someone named XXXX XXXX XXXX spelling )? I have tried unsuccessfully to get each company to remove my phone number, but they wo n't.

Company response to consumer: Closed with explanation