milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-10-2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I was behind in my mortgage payments because my husband was out of work. I had to borrow XXXX dollars to get caught up. I was told not to worry about the late free or the fees because they started foreclosure. I am up to date on my mortgage payment but I received a default notice saying I owe the fee 's. I do not have XXXX to pay and they will not work with me. Owen Loan Service is the worst mortgage company. They have so many complaints and bad review I can not understand why there are still around. I did all of what I was suppose to do. When you call XXXX person give you XXXX advice then you call back 15 minutes later and you are told the first person gave the wrong information. I ask them before to send me verification about not paying the late frees and other fees they told me they could not. Every time you get a letter from them it never has a person signature on it and you can never speak to a manger or someone high up. I do n't know what more to do I am at my wits end with this company I also found out that they were not paying my taxes as they were suppose to now I have a lien on my home. I called my homeowner to make sure they paid they just waiting for a call back I called them today. Please help all the poor people who have this company I ask you to get this company out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (WA).
Issue: Deposits and withdrawals

Complaint: I was a victim of internet fraud. Instead of depositing a reimbursement for a legitimate outstanding debt the crooks funneled the complete value of the credit card associated with my checking account into my checking account, in XXXX installments, beginning with {$1400.00} that they showed to me as what they had deposited into my account. They screamed as they " realized '' they had overpaid me by {$1000.00}. I agreed to reimburse them the {$1000.00} by XXXX XXXX. Naturally there was a problem with the transfer and I had to do it twice more. They kept showing me the money was still in my checking. Only when all this was done did I check my account and found out what had happened. I immediately phoned Wells Fargo to let them know. 

After filing a claim with lengthy proceedings they bumped me up to a higherup who asked more thorough questions and had me verify that I had not initiated any of the XXXX transfers from the credit card. He sent me an affidavit of online fraud which I filled out and sent in. 

Wells Fargo weaseled out of both claims refusing to acknowledge that this actually was 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 04/20/2018 about Debt collection (Credit card debt) with NRA Group, LLC (MA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: National Recovery Agency, amount of {$200.00}. I have disputed this account with National Recovery Agency by sending them a debt validation and disputed it with XXXX credit reporting agency as I have no knowledge of this account. National Recovery has not responded to my debt validation and continue reporting this account with XXXX credit reporting agency. Once again I have no knowledge of this account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Debt collection (Payday loan) with ROC Asset Solutions, LLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: The law firm that XXXX hired to collect their debt is calling me on my cell, my work number. They are leaving VERY DETAILED information on my parents home phone, my sisters phone and my friends phone stating that this is XXXX XXXX from API and this message is for ( My Name ). XXXX ( My Name ), your agreed upon payment of {$170.00} failed to clear your bank and came back as insufficient funds. If we do not hear back from you within 24 hours we will be contacting XXXX XXXX for fraud charges for them to take their action on a state and federal level. Please return my call at XXXX ext XXXX And a XXXX also left this same message with a call back number of XXXX ext XXXX I do not live with these relatives or friends. They should not be leaving these types of messages.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I went on line with Equifax Credit Bureau to dispute a incorrect item on my credit report and instead of starting an investigation Equifax sent me a letter stating that they were putting a " fraud Alert '' on my credit profile and notified the other XXXX credit reporting bureaus to do the same. I did not request Equifax to put a " Fraud Alert '' on my credit profile nor did I give them permission. I requested an investigation into a item on my credit profile by law they are required to do. I want Equifax to remove the " Fraud Alert '' and notify the other bureaus that they notified and remove the same. This is the XXXX or XXXX complaint I have filed against this Bureau. If I ca n't get any help I will obtain an attorney and file a lawsuit against Equifax. I am still unable to receive my online free credit report. I am always told to send in the mail for my report. I am entitle to be able to download my report once I accurately verify the questions. I have asked the CFPB to investigate this XXXX and you have taken the word of this company that their is no block preventing me from accessing and downloading my credit report. Equifax is the only bureau that I have problems. I want this " fraud Alert '' removed immediately and I would like verification that this has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have several creditors who pulled my credit report without my permission. XXXX wants me to approach the creditors and get permission to remove the hard inquiries. There are even some companies that have ran multiple inquiries. Equifax is asking for a personal statement to remove the hard inquiries. There is no process to remove fraudulent hard inquiries on credit report on their website or by phone call. Spoke with customer service and supervisor at Equifax, they will not provide evidence that the creditors pulled my credit report legitimately or had permission. This is double standard. They are asking me to do the legwork of contacting creditors and getting a letter but they will not do the investigation themselves nor provide evidence that the creditor pulled my credit report legitimately. I need help with removing the hard inquiries on my credit report with Equifax. I do not feel that I should have to contact creditor, get a letter, do the investigation and waste my time when I did n't authorize it in the first place. THE FCRA STATES THAT ANY DATA ON YOUR CREDIT FILE THAT IS NOT VERIFIABLE IS NOT FACT AND SHOULD BE DELETED ASAP Thanking You

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This letter is my formal complaint, and ask you to investigate the business practices of Trans Union. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report to assure maximum accuracy. Without proper verification by their company, anyone paying for reporting services could fax, mail or email in a fraudulent account. 

They have no Verifiable Proof ( an original Consumer Contract with my Signature on it ) to verify that the account belonged to me the first time they reported the account on my credit report. Their failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. I 'm asking them to provide me with a copy of an updated and corrected credit report showing these items removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MS).
Issue: Problems caused by my funds being low

Complaint: I am a member of Wells Fargo. I have noticed that on several occasions they would take the money out of my account only to put it back in there the next day. Example if I purchased a room on Tuesday they would take the money out and the next day putt the money back in the account. At first glance I thought that it was the merchant doing this, however, I was completely wrong. They did this with my phone bill and with my hotel purchases. They would take it out and put it right back in the next or same day. My checking account was over drawn in the amount of XXXX. That made my rent late, and my car note late as well. At first glance I thought it was me but it could n't be I only use my card for major purchases. Wells Fargo has taken my whole check saying it was nsf fees but how when I only use it for major purchases and deducte it from my account. I am appalled and vey disatifed. What am I to do?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/15/2018 about Payday loan, title loan, or personal loan (Personal line of credit) with NAVY FEDERAL CREDIT UNION (TX).
Issue: Charged fees or interest you didn't expect

Complaint: I am a XXXX veteran and my wife were in need of a home equity loan and applied with a credit union that represented military families. We later determined that the amount of payments at {$690.00} paid on time monthly, had Not reduced the balance of the loan down after approximately a year? It was discovered that our interest rate at the time of the loan was quite higher than expected. We contacted the lending institution, in attempt to negotiate the interest to a much lower rate and were unsuccessful. We continued paying on the loan more years. This became frustrating that we now were forced into a loan without a fair opportunity to get the interest payments lower to accommodate our finances, as my health was deteriorating more from service in the military and the interest rates were much lower at the current bank loans. I was forced to work with this health condition. It was approximately 4 yrs later that we finally were able to get another bank to refinance the loan to pay off the previous bank, at a very much lower & fair interest rate. However, the payoff was still near the balance of the loan amount borrowed when it was paid off? So basically we were in a loan borrowing {$50000.00} with finance charges of {$74000.00}, totaling after 15 years. A total payment amount of {$120000.00} with the interest rate at 14.750 %. 
This is totally not right? Especially to our military families and seems to me PREDATORY practices when they refused to allow a refinance at the much lower rate. Informing us that that type of loan was ineligible for refinancing. I am in hopes that I have filed my complaint with the correct office to look into this and look forward to hearing some soon. Thanking you in advance in your assistance with this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get 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 monetary relief
Consumer complaint received 10/17/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Follow up to CFCB # XXXX and # XXXX. Also see XX/XX/XXXX complaints to CFCB. I am still waiting for Bank of America to take ownership of the management of the status of my closed loan. The status and amount of my loans remain incorrect with all XXXX of the credit reporting bureaus. See attached contradictory letters from Bank of America and XXXX XXXX. Bank of America approved my short sale in XX/XX/XXXX and they are the mortgage institution responsible for updating my credit report correctly but has not done so.

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 05-07-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (KS).
Issue: Loan servicing, payments, escrow account

Complaint: The assignment on my mortgage is fraudulent. Ocwen knows about it and will not address the issue in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2016 about Credit card () with Weltman, Weinberg & Reis Co., L.P.A. (OH).
Issue: Billing disputes

Complaint: I lost my job a few years ago, and have been having problems paying back my credit cards. Even though I do not give the full amount I try to pay something instead of nothing currently I have been having issues with XXXX they turned my debt over to a third party collection agency who keeps asking for a large lump some of money or to pay off the amount and they will not accept the funds I 'am trying to give this company also will not send me any type of billing statement. As of now this company is trying to sue me, I wanted to know my options that I have to settle this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was already enrolled in classes for the Spring semester 2013 at the XXXX XXXX XXXXXXXX XXXX XXXX XXXX. As a result it was my understating, From XXXX representative, that if you are enrolled in school loan payments are frozen once you are actively enrolled in college classes. Yet it shows I have late payment form XXXX on my credit score on that student loan account when I was clearly enrolled in school. This is clearly detrimental to my credit worthiness. There is an attached screen capture show me paying off the remainder of the Bill from the spring 2013 so I can register for the Fall 2013 semester.

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 07/14/2015 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I advised in the conversation with the representative that the rate at which they wanted me to repay was unattainable at my current income level. The representative then responded, with full fledged attitude, that " they '' did not need to make any concessions for me, that they can make me pay whatever they 'd like per my promissory note. This of course is untrue because I do have income based repayment options. That representative was wholly unprofessional and turned me off to wanting to work with them any further to resolve my bad debt. I told he rthat comment was unncessarry to have been made, that I know this debt is mine to pay but I need options. To which she responded, " I 'm just telling you the truth ''. It is hard enough to come to terms with the nearly {$100000.00} of student loan debt that I have with my measly income. The unwillingness and poor attitude of the call center representatives makes you feel demeaned and is just unproductive.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Debt collection (Medical debt) with Pendrick Capital Partners Holding, LLC (MS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On   XXXX   XXXX  , 2017, I received two letters in the mail from a debt collection called AFFILIATED ASSET SOLUTIONS, LLC about a medial debt was paid in full. In the letter sent from Affiliate it states that the current creditor is Pendrick Capital Partners. I have never had any debt with the said Creditor past or previous.. Also, the letter states that the original creditor is   XXXX   XXXX   XXXX   XXXX   .. I am sending documentation from the   XXXX   XXXX   XXXX   that I was mailed from there home office in  XXXX , TX which shows a  XXXX  dollar balance for the alleged debt. Also, I have checked the MS Secretary of State and Pendrick Capital Partners are do not hold a license to collect on any debt in the State of MS . I have included the original copies of the letters sent from the alleged collector which clearly the information listed in the letter ids a violation of my HIPPA rights.. My name, date of service, and where I had serves rendered were included on the letter which this information could have gotten into the wrong hands of a consumer which could have lead to id theft from my personal information being included in a debt collection agency.. I have never had any services from the company or the affiliated asset solutions llc.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Payday loan () with Advance America, Cash Advance Centers, Inc. (CA).
Issue: Charged bank acct wrong day or amt

Complaint: A basic payday loan from Advance America have done it several times before. This time around the XXXX of the month I receied an over draft notice from my bank. ( {$300.00} ) causing several checks to bounce. Normally I go into their office and pay what I owe. Due on the XXXX of the month. So deep into the month I thought no more about owing them. When his happened it caused chaos ; I sent a fax message to this manager advising what had happened. I heard nothing more from them. Except a credit from them for {$300.00} appeared in my account. When I took out this loan we discussed the payment date. Which was the XXXX of the month. On XXXX XXXX there was a withdrawal from Advance America which caused problems for me. On the XXXX when they attempted to withdrwal the funds there was a Retry note stated on my bank account. My fax asked what did that mean. Never got a response. I 've told them I expect my fees to be paid. For there was no reasom for their actions. They had a check they used to cash it on the XXXX. I have no idea what Retry was about. I am nt disputing any debt that may have been owed, Frankly I do n't quite remember. But what they did was fraudulent. I 've been their customer for 3 years. This time their XXXX female manager had issues about my pay day date. We settled on the XXXX. But their withdrawal occurred on the XXXX Part of our discussion was if the XXXX Loan was a 30 day loan? My loan was under 30 days taken out! Please be advised that I am deaf. The easiest way to communicate with me is by email, text or USPS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (OR).
Issue: Sale of account

Complaint: we received a XXXX from XXXX for XX/XX/XXXX on an account that was settled for less than amount due in XX/XX/XXXX with HSBC/Beneficial. Since it has been over 7 years no one has any documentation ( only required to keep for 7 years ) and they can not sell an account to XXXX that is no longer collectable. I have included the XXXX credit reports that do not show this account at all as my guess is that they removed it when it was settled instead of reporting it as such as well as the response from the CFPB case # XXXX cfpb dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Bank account or service (Checking account) with TCF NATIONAL BANK (MD).
Issue: Deposits and withdrawals

Complaint: TCF bank paid a check of {$5000.00} from my account to unauthorized person, TCF was informed about the check since XXXX, but have refused to get the money back to me, keep telling me to wait. the last letter I received on XXXX/XXXX/16 from TCF stated the case will be resolved in 28 business day. but today when I called tcf to find out the status on the case I was told to continue to wait that TCF is not sure when the other bank the money was paid to is going to return the money. I think TCF do not care about how this is affecting me financially.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Complaint against false advertising and misrepresentation. Applied for a XXXX XXXX XXXX credit card on XX/XX/XXXX which had a opening welcome bonus of 2 weekend free night certificate after {$2500.00} in spend. Called on XXXX XXXX to Citicard credit card application line to confirm my eligibility for welcome bonus before applying online. Rep confirmed that my prior XXXX XXXX reserve card opened on XX/XX/XXXX did not affect the bonus eligibility of the new card application in XX/XX/XXXX. However after being approved for the card in XX/XX/XXXX and spending {$10000.00}, Citi sent a letter that they would not honor the 2 weekend night certificate bonus. Called on XX/XX/XXXX to Citi ExecutivXXXX customer service line but rep XXXX reiterated that since my original account was closed on XX/XX/XXXX and since my XX/XX/XXXX application was 3 months shy of the 2 year bonus eligibility rules Citi would not be fulfilling the bonus.

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