milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-03-2015 about Credit card () with CITIBANK, N.A. (CO).
Issue: Late fee

Complaint: In XXXX or XXXX of 2015 Macy 's changed their credit card from a XXXX to an XXXX card. At the time, we had the XXXX card set up on our Bill Pay system. As our use of this card is occasional and only used at Macy 's, we depended on the Bill Pay process and paid when notified a bill was due. When the account changed to XXXX, apparently the bill pay information did not transfer. This would have been OK, assuming that they notified us via email or with a paper statement that an amount was due. Last night, our card was declined at Macy 's and we were informed that we were overdue and owed {$480.00} dollars, including late fees and finance charges of {$120.00}! When we called, we were offered a relief of {$38.00} dollars, which we declined and disputed the fee. When asked how the billing statement was delivered, the agent said via email. When asked what email was used, the agent could not cite the email. Effectively, we were not billed or notified that we were behind payments in any way. If we had not attempted to use the card, the charges would have continued to accrue. We immediately paid the amount due, but their is no way to dispute the late fees and finance charges. It appears to us that the transfer of data and other information during the transition from XXXX to XXXX was improperly handled.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (WA).
Issue: Loan modification,collection,foreclosure

Complaint: I 'm writing you to request some assistants and file a complaint on the referenced above loan. Ocwen closed out the short sale on XXXX/XXXX/16 and sent us a decline letter ( please see attached ). 

1 ) They never countered us to see if the buyer is willing to go up in their offer or advised us of the reason for the decline. Other than closing it out and email us a letter. As per short sale protocol you are supposed to contact us and let us know and give us at-least 24-48 HRS to respond back so we can counter the buyer. We were never advised or done. 

2 ) We ordered an Interior BPO on XXXX/XXXX/16 to be completed on the property. We never were contacted for access to get into the property. Which means it was never completed or done. 

3 ) The BPO they are going off of was only a drive by. ( which did not take into consideration that the property is mostly Wetland and the home needs to be torn down and rebuilt. NO ONE Should be living in this property. The seller is and is providing for XXXX kids and is unable to bring the account current or have the funding to relocate. 

4 ) Ocwen also denied the relocation incentive for the seller because they advised that the investor does n't pay for relocation assistants. The investor is XXXX XXXX XXXX Bank which is a lender that we work with all the time and they have always paid the relocation assistants. I have asked Ocwen several times for the investors phone number so I can confirm this and they still have given us the phone number to verify this. 

5 ) With the mentioned drive by BPO that was completed, it was never addressed or states the XXXX of the Acres on the property are wetland and are UN-build-able ( please see documents attached ) XXXX ) There is a foreclosure sale date set on the property for XXXX/XXXX/16 which is very concerning since we are trying to proceed with the short sale of the home. 

7 ) Buyers inspection, bids, comps are all attached too. 
With this being said the offer that we have on the property is a good offer since the home needs to be torn down and rebuilt, along with XXXX % of the property is UN-build-able and has to stay as wetland. 

Please help us postpone the foreclosure set on the property, along with reviewing the proof and documents attached. Please contact at your earliest convenience to talk about these issues that were addressed and assists us in a resolution to our concerns and complaint. We are in the office XXXX-XXXX PT. Thank you for your understand and assistants. We hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (IA).
Issue: Loan modification,collection,foreclosure

Complaint: I have mortgage through XXXX. I was served foreclose papers and I called them hoping to resolve the issue. I can not refinance my credit is poor due to divorce. Their real estate support team put ne on on program. They said fee was {$1600.00} I paid {$2000.00} THE balance to go to mortgage pmt of XXXX in XXXX of 2015 I pai in XXXX XXXX in XXXX they are calling me telling me I am 3 months behind tried to explain but it 's just a call center and no one knows anything. I simply want this cleared up. My health is suffering

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Bank account or service (Cashing a check without an account) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Using a debit or ATM card

Complaint: I was cashing a personal check from my nephew in his Regions bank. The bank officer called my nephew to verify ( unusual ) and had to wait 20 minutes for him to respond. The bank officer then took me to the teller at which time after giving them my license and being finger printed and signing check, they stated there is a {$20.00} fee to cash a check at their bank. The could not produce the fee structure nor could they produce a receipt showing where the {$20.00} fee was deducted. I believe they are stealing from unsuspecting people. 
I want the {$20.00} " fee '' returned.

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 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AmeriCollect (WI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX is the original creditor and report in error to Americollect and has failed to remove this error from all 3 bureaus, only removed from XXXX still showing on XXXX and XXXX. I have called the credit bureaus, XXXX and Americollect since last year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (FL).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: I have an account with  PayPal  that has been locked because of a dispute for faulty merchandise. I followed all the  PayPal  steps to unlock the account to include sending a copy of my government issued  XXXX  card. Now PayPal is saying that is not good enough. PayPal wants me to send a copy of my  XXXX  card statement with the full account number. ( For security reasons the  XXXX  card statements do not include the full account number  XXXX  PayPal also wants a copy of my drivers license. They claim the  XXXX  card is not a valid government ID. Plus they want me to fax it to  XXXX .     I have spoke with  XXXX  card who advise for security reason not to send such information.     My concern is they will hack my account and steal my identity.

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 03-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Problem with fraud alerts or security freezes

Complaint: Re : Experian Credit Bureau XX/XX/XXXX, placed Security Freeze on Experian Credit Report. Paid required fee for Michigan residents, {$10.00}. 

XX/XX/XXXX, received email containing required PIN to temporarily or permanently remove security freeze. Thus indicating security freeze must be in place. 

HOWEVER, checked account status ( via Internet account login ) for Security Freeze on XX/XX/XXXX and XX/XX/XXXX. Both inquiries state ambiguous status ; i.e., " Credit Report is Now Unlocked '' and ( in fine print ) " You currently have a Security Freeze on your Experian Credit Report ''. 

Attempted to contact company for clarification via phone ( try several numbers ) but had minimum of two hour wait time ... unacceptable. No email inquiries available. Note : made several attempts to call Experian and use company 's answering/directory service to CONFIRM credit report freeze but system not setup up for that. 

CONCLUSION, it's apparent that Experian is marketing their credit monitoring services ; e.g. Experian XXXX. Please see the attachment. This is deceptive marketing. 

I still have no assurance that my paid Security Freeze was ( is ) honored.

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 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I submitted a public record investigation request to LexisNexis XXXX2017. I received a response ( case # XXXX ) more than two months after stating that the public record item was verified. In my correspondence, I request the Method of Verification which LexisNexis did not give in clear violation of FCRA. Additionally, they exceeded 30-day response requirements as per the FCRA. They know this because I have a friend who had the same issue recently and LexisNexis in accordance with the FCRA removed the item in question I contacted the court and the clerk was certain there was no verification request from LexisNexis How can this be..?

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (IN).
Issue: Loan servicing, payments, escrow account

Complaint: My father passed away in XX/XX/XXXX. He was living in a condo with my brother as joint tenant. While my father was alive, I had power of attorney. When my father passed, he left no estate other than the condo, which passed to my brother without having to go to probate. I was named personal representative of my father 's estate, but since there were no other assets, there was nothing to probate. My father 's condo was financed with Quicken Loans. My brother is currently living in the condo and is making the mortgage payments. The problem is, he has fallen behind in his payments and now Quicken keeps calling me. I have explained to Quicken MANY MANY MANY times that they need to speak with my brother. I have provided them with my brother 's telephone number and he has confirmed that he has spoken with them on several occasions and is trying to work something out. Quicken called me again on Friday, XX/XX/XXXX, and told me that they would put me on their do not call list. Today, Monday, XX/XX/XXXX, they called me again. I do n't know how to stop them, other than changing my number. Can you stop them? Can I be compensated for harrassment?

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit card or prepaid card (General-purpose prepaid card) with CITIBANK, N.A. (FL).
Issue: Unexpected or other fees

Complaint: I told the lady at citi bank that i have to check my charges I am without work or job because of this.I never had a   XXXX   XXXX   card.Ive only banked with citi,  XXXX   XXXX  ,   XXXX   XXXX   XXXX  ,  XXXX , and   XXXX   XXXX  .Any other card is not mine i dont even have a bank card open i have them all closed and paid for except bank of america.i owe money to   XXXX   XXXX   and citi bank.Plus i have toyota for a car but i got in a auto accident and got sick.Than   XXXX   XXXX   company but i dont have a car anymore so i dont have to pay.Than medical bills and   XXXX   XXXX   XXXX   only been there twice,   XXXX   XXXX   XXXX   been there like 2- 3 times, than   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX   but i think the school pay for that job corp  XXXX  fl, Maybe   XXXX   XXXX   XXXX   i been there1 time when i was in highschool, and   XXXX   XXXX   been there 1 time for a  XXXX .Anything else i dont know.And school bills is job corp center but i think they pay for that by government,   XXXX   college for 1 class, and   XXXX   XXXX   College i took like 3 classes and 1 class I failed and have to retake but any other is not mine.Please write back at   XXXX   XXXX   XXXX   XXXX    XXXX  Fl  XXXX .I also have a prepaid   XXXX   XXXX   account i owe and   XXXX   XXXX   but the bill is almost paid and i closed the account i only have   XXXX   card with them.I 'll check the mail again.

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 08-08-2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (MI).
Issue: Struggling to pay mortgage

Complaint: THIS IS YET ANOTHER COMPLAINT ABOUT WHAT CHASE BANK HAS DONE TO ME.EIGHT AND A HALF YEARS AGO I ASKED CHASE WHAT THEY COULD DO FOR ME. I DID NOT ASK FOR A MODIFICATION OR A REFINANCED MORTGAGE. I SIMPLY ASKED WHAT THEY COULD DO. I LIVE IN A COLLEGE TOWN AND HAVE NUMEROUS RENTALS AND IT WAS HARD KEEPING ALL OF THE HOMES OCCUPIED DURING THE CRASH OF 2008. CHASE AFTER MANY MONTHS TOLD ME I QUALIFIED FOR MODIFICATIONS ON ALL THREE OF THE LOANS I HADWITH THEM, I HAD NEVER MISSED A PAYMENT AND MY CREDIT SCORE WAS  XXXX. THEY HAVE ILLEGALLY FORECLOSED ON ME, BROKE INTO MY PROPERTY, CANCELLED MY INSURANCE AND SHUT MY UTILITIES OFF. I HIRED AN ATTORNEY AND WAS ABLE TO GET THE HOME BACK IN MY NAME. THEY ARE NOW THREATENING FORECLOSURE AGAIN, AFTER FOLLOWING ALL THEIR DIRECTIONS TO GET A MOD. THEY LIE, CHEAT, DECEIVE, AND EVEN STEAL MONEY FROM ME BY NOT APPLYING ALL OF WHAT I HAVE PAID THEM ON MY MORTGAGE. PLEASE I NEED YOUR HELP TO STOP WHAT THEY ARE DOING, OR MAY DO. IT IS A HELLISH NIGHTMARE I WOULD WISH ON NO ONE. PLEASE HELP. I WANT MY NAME AND PHONE PUBLISHED SO OTHERS CAN CONTACT ME. XXXX XXXX XXXX. I HAVE IN MY POSSESSION A CONFIDENTIALITY AGREEMENT CHASE TRIED TO GET ME TO SIGN TO SHUT ME UP FOREVER, WHICH I INTEND TO GO PUBLIC WITH IF THEY DO NOT FIX THE MESS THEY CREATED.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CAPITAL ONE FINANCIAL CORPORATION (WI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This business was contacting me regarding an old debt from capital one. I had communication with them in XXXX regarding the account and was told it was perged and would not be reporting. I think got capital one to delete it. Now in XXXX they reported to all XXXX credit bureaus and have prevented me from getting a mortgage I worked the last year and a half for. I 've tried to contact them but every employee tells me something different. They call my work, my parents house ... It is basically ruining my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/14/2015 about Consumer Loan (Installment loan) with WORLD ACCEPTANCE CORPORATION (TN).
Issue: Problems when you are unable to pay

Complaint: " Employees '' visit my house and argue with me for hours.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Consumer Loan (Installment loan) with LENDING CLUB CORP (CA).
Issue: Managing the loan or lease

Complaint: During XXXX of 2016, I borrowed money from a private institution called " Lending Club. '' I needed the funds to pay off high-interest credit cards and to help with relocation for work. However, I am paying over 30 % in interest on a loan amount of a little over {$16000.00}. 

The interest rate seems too high and disproportionate. I have been making payments on time but it is becoming financially difficult to keep making these high-interest payments.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (OK).
Issue: Adding money

Complaint: I have added money to my Rush Card today and have not been able to access it. I spoke with a rep and was told that she was unaware of when my funds would be available for me to use, now my family of XXXX will be without a phones and have to pay reconnection fees to get them turned back on. This is very unacceptable being that i have a set income and do not have the money to pay them. I will no longer use this company after i receive my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-08-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with OCWEN LOAN SERVICING LLC (OH).
Issue: Trouble during payment process

Complaint: I took an equity line of credit on a home that did n't have a mortgage, the home 's title was clear. The home loan was through  Ocwen  and   XXXX   XXXX   in  1993 The  company agreed to a mortgage assumption by  XXXX   XXXX  owner  (   XXXX   XXXX   ) on  a parcel of land title  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (UT).
Issue: Loan servicing, payments, escrow account

Complaint: Had a XXXX mortgage through Ocwen Loan service which has paid off on the closing sale of my house XXXX/XXXX/2015. The Escrow balance has been released but a small overpayment of of {$130.00} still has not been released. I have called on this XXXX time and spoken with their customer representative who states they will get this processed, but now XXXX days past payoff and still has not been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: After the XXXX data breach, i started to wonder if my credit is reporting correctly. I decided to sign up for a credit monitoring account with XXXX XXXX. This is when I came to the understanding that someone has been using my personal information to apply for services and credit.

FRAUD INQUIRY ON XXXX BUREAU -XXXX XXXX XXXX XXXX - XX/XX/XXXX -XXXX XXXX XXXX XXXX - XX/XX/XXXX FRAUD INQUIRY ON TRANSUNION BUREAU -XXXX XXXX XXXX -XX/XX/XXXX -XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXX I placed a fraud alert on my credit report and placed the inquiries under dispute with the bureaus.

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 06/17/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Dear CFPB, I contacted you awhile ago about a mistake on my credit reports. In XXXX of 2013 I decided to try XXXX XXXX for a XXXX month trial period. I paid, use their service ( while still keeping my account with XXXX XXXX open ) and found I did n't like it at all. I closed this account, paid what was a small bill since I paid the other bills beforehand. Remember, I never closed my account with XXXX so I never had to reopen this account. I told them to come and pick up their equipment. Never happened! Since I paid the last of the bill I owed, I assumed this was it. They said they would send someone out to pick up the equipment, and that never happened! Then I called again and they said they would send boxes to me to send their equipment back to them and it never happened! Just trying to tell you what type of company I was dealing with. I have worked hard at getting my credit reports clean and paying all bills on time and mind you, never making the minimum payment. As you can see if you check my reports. Everything is paid on time if not before time. I found this on my credit report last year! Was shocked to see a {$67.00} bill on there from them since I paid the last of their bills many, many months ago! I have tried to no avail to get this removed from my reports. Calling XXXX, sending them emails, etc. I have also disputed this many, many times with the credit reporting agencies to no avail. I finally gave up and paid a bill that I DID NOT owe. I just wanted it removed from my reports since I have worked so hard to get where I am. ( all of their equipment : my wife, who broke her back before this, had to track through the mall with all of this heavy equipment to drop it off at a XXXX store. ) I do n't know where to turn. I just want justice. I ca n't seem to get anywhere with XXXX. I see many of these complaints! I just want this removed from my credit reports. They 've had all of their money ( plus more ) for quite some time now. There is no reason to do this to innocent people. I have been a customer of XXXX for many, many years and have never had a problem with billing. Please help me remove this from my credit reports. I feel I 'm being targeted because I did n't like their service. I get numerous advertisements in the mail from them to this day. If I had done what they accuse me of, I do n't think they would want me as a customer. If you need anything, please let me know. I have photos from my reports. I do n't care if I have prime credit cards, it 's the principal. They are just making me look bad in the eyes of creditors. This seems very unfair. Not good business practice. Thank you for trying to help the XXXX time, as a result, XXXX has removed this but Experian and XXXX have not. I have other screen shots but I 'm not sure I can upload anymore than XXXX. Please let me know if you need any additional ones. 
XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Mortgage (FHA mortgage) with NATIONS DIRECT MORTGAGE, LLC (TX).
Issue: Application, originator, mortgage broker

Complaint: I just got a new home and our broker did our loan with a mortgage company in CA, by the name of Nations Direct Mortgage and it looks like someone in that company got in hold of my wife and my personal information including Social Security, income information and more and are starting to setup fraudulent credit account and utility services ( Wireless account ) in our name. 

My wife and I work in the financial system and we are extremely careful with our private information, after evaluating the address were the mortgage company is located and the address of the places the individual who stollen our personal information had comited the crimes we had come to the conclusion that the only place were our personal information was expose was at the mortgage company already mention. We had file a police report and we had start an investigation in order to find the responsible paerson.

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