milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/31/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (IN).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan Servicing has not paid our Home Insurance that was due XXXX XXXX, 2015. They collect for and escrow the money for it in our monthly payment it. My insurance Co called and said they would cancel the policy if not paid in XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I wrote two letters to this company last XX/XX/XXXX and again last XXXX XXXX, 2017 to dispute incorrect and inaccurate information on my credit report. They are claiming that they did their investigation but there incorrect and inaccurate pieces of information are still on my credit report. They are reporting unverifiable information from my credit report and it has been more than 30 days and no lawful action has been taken. I have enumerated all the items and what 's making these items incorrect and inaccurate on those two letters. Today, I am writing them another letter which is attached to this complaint.

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 04-12-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Problems caused by my funds being low

Complaint: Hello, I have an account with Chase Bank. It is not my main account as I do n't keep very much money in it. Its the account I use mostly when shopping online so the card info is saved on my computer. I submitted a few credit cards to be paid in extra and used this card. So last night I checked my bank account because I had to use the card a little extra when I left my wallet in the car with my husband and he was away at work. The account was low but not over drawn. When I checked I had XXXX in the account. This morning my bills posted and overdrew the account. Via Chase banks rules I have until XXXX Eastern standard time to pay back the account before over draft fees are assessed. Today at XXXX I woke up to an email advising me my account was over drafted XXXX which includes a bill I paid and XXXX, over draft fees. Not XXXX but XXXX totaling XXXX dollars! They did n't even remotely give me until XXXX eastern time to replenish the account. I called them to get this rectified and they would only waive XXXX fee, but kept the remaining XXXX on my account. I do not feel I deserve this at all this is supposed to be " over draft '' protection?! They told me, which I understand, that since they were electronic checks I can not see them on my account until they post and neither can they. But they couldnt explain why I had assessed XXXX fees all at once! XXXX fee I can understand and would probably have paid without much of a fuss. But regardless the over draft occurred today on XXXX then the fees should be assessed by XXXX as per their protocol! My bank account of course states they occurred on XXXX but I checked late last night before bed and it was still only at XXXX balance. So I find it wrong that they have it dated on XXXX when I was monitoring the account on XXXX and no over draft occurred. These time stamps are not correct! furthermore I get an email notification the second my account gets over drawn too and my notification was sent at XXXX on XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/25/2017 about Debt collection (Other debt) with Advance Bureau of Collections (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I WAS RENTING APARTMENT AND I PAID FIRST AND LAST MONTH RENT DURING MOVE IN PROCESS AND WAS NOT BEHIND AT THE TIME I MOVED OUT WHICH WAS IN MAY 2015. NOTICED NEW COLLECTION ON MY REPORT IN THE AMOUNT OF XXXX DOLLARS IN OCT 2015 WITHOUT ANY NOTICE.I AM NOT RESPONSIBLE FOR THIS AS I WAS NOT LATE AND ALSO PAID FOR LAST MONTH. THE APARTMENTS WERE XXXX XXXX LOCATED ON XXXX XXXX XXXX XXXX GA XXXX.RENT WAS XXXX.COLLECTION AGENCY IS ADVANCED BUREAU OF COLLECTIONS.I HAVE NO CONTRACT WITH AGENCY BUT THEY Wo n't CHANGE THE AMOUNT TO CORRECT AMOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX XXXX XXXX XXXX and their collector, Convergent Outsourcing failed to properly inform me for when the dept was incurred, leading to believe that I was being Over Billed.

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 10/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Kinum, Inc. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My daughter 's father and i enrolled her together at XXXX daycare with the understanding that we split the bill ; this was also understood by the daycare. XXXX XXXX ( father of child ) discontinued payment in XXXX 2015 and XXXX XXXX XXXX did not notify me of this until XXXX 2015 ; i had continued to make my payments faithfully, ( i have all receipts. ) I was then contacted by XXXX, Inc ( at my job no less ) attempting to collect the debt that XXXX XXXX acquired. I told them upon first contact that it was his bill, not mine and not to contact me regarding this ever again. I then called the XXXX about it and the owner, XXXX, assured me that she submitted both our names and info. I just received ANOTHER call again, At my Job, today regarding this debit that is not mine. Not only had i already told them not to contact me again and they did, he was very unprofessional and rude, making statements that were inappropriate and acting like they were trying to get ahold of XXXX. Regadless, they are not following FDCPA federal laws at this collections agency. i have been in the industry and i know for a fact if someone says not to call again, you do n't call again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
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 Credit bureau has been reporting 14 collection accounts to all the credit bureau after several debt validation disputes. The disputes were performed by three credit repairs services and myself. I have never received any information regarding this debt ; the only response is this company wrote in the remarks " Consumer disputes this account information '' but I have never received any correspondence or proof from this company. There are two entries for XX/XX/XXXX and twelve entries XX/XX/XXXX. I have no idea what these charges are and the volume of these entries on my credit reports are concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I paid for my score with Equifax and was given XXXX, I went to purchase a car and my score is XXXX, a day later. I also got my score from XXXX and it was XXXX, again the auto dealer got XXXX I want to know why Equifax is giving me one score that I paid for and giving banks entirely different information. 
this is fraud!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/26/2016 about Debt collection (Medical) with Works & Lentz of Tulsa, Inc. (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I continure to receive Debt Collection Letters from Works & Lentz Inc regarding Medical Bills to which I do not owe and have proivided Notarized Identity Theft Affadavit as well as Police Report, as well as Cease and Desist and they continue to Harrass me for debts I do not owe, and have now sent Medical Records on someone whom I do n't know and that is FEDERAL HIPPA VIOLATIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (MN).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Victoria Secret angel card charged {$1.00} fee in XX/XX/XXXX when the account had a {$0.00} dollar balance. The account then relieved a late fee for not paying the undisclosed {$1.00} minimum finance charge. Resulting in a {$2.00} balance. In XX/XX/XXXX there was a notice of {$2.00} on the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/17/2016 about Credit card () with AMERICAN EXPRESS COMPANY (MA).
Issue: Other

Complaint: Someone submitted multiple electronic applications in my late mom 's name to American Express, American Express provided the application dated XXXX 2011 but did not provide the XXXX dated XXXX 2011. The name on the application was XXXX XXXX, my mom 's name was XXXX XXXX American Express had me submit death certificate, durable power of attorney, trust documents and will documents, but did not provide the application

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Site will not up load pdf. 

Nationsbanc Mortgage Corp. falsely and fraudulently invoked the jurisdiction of Ohio courts by claiming to be the " owner and holder '' of my note and mortgage. In fact they did not acquire the note and mortgage until three years after filing suit. No " confession of error '' was ever filed by the plaintiff thus wasting judicial resources and perpetuating the fraud for years on end under the color of law to hide the fact that they had no standing to sue. 

XXXX I believe will be familiar with my name at the time he was Ohio Attorney General.

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 10-08-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with Trinity Financial Services, LLC (UT).
Issue: Struggling to pay mortgage

Complaint: I sent Trinity Financial Services an offer letter dated XX/XX/XXXX, to try to settle and resolve an amount that has n't had payment since XX/XX/XXXX. Since then, I have had zero response on the offer. I have called in multiple times with no response. This is the second time I have had to file a complaint due to the negligence and unfair practice by this company. I have been told management will contact me and still to this day have had no resolution or response. I am given the run around and told I will be given a call over and over and they still have not communicated with me. I asked for a response within 15 days and it has been over 30. This company has kept me and the status of the HELOC in the dark with where they stand and are causing me financial harm. I believe their intentions are malicious and the have little to no interest in trying to come to a resolution with me.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Credit reporting () with BB&T CORPORATION (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a school loan that I payed on time for 60 months, then the loan had a balloon payment due. The loan was with BB & T bank, when I explained to the management of the bank and several agents who called my home that I was in the middle of a refinance of my home which was also going to include paying off my school loan of XXXX dollars, they agreed to give me a grace period. Only now to find out after I went ahead and payed the loan off with funds that I had secured the loan with originally, they have sent in a derogatory remark saying I was late with the last payment and it has affected my credit score terribly. They also refuse to remove it, even after being told I would be fine going ahead with my refi, and that they would give a grace period because the loan was secured. I have done business with this bank for 14 years and have never been delinquent with any payments and I even presently hold a mortgage with them. I would ask you to please tell them to remove this remove that is effecting my credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Wrong address, I have been at the same address for 45 years. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX I have never lived at XXXX XXXX XXXX XXXX Il XXXX, however my soon to be X HUSBAND lives there with his girlfriend. How did this address change?

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 06/14/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (VA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I have a XXXX XXXX credit card. With this card loyalty rewards are accrued. I made a purchase of {$480.00} of which I applied {$450.00} loyalty points. The {$450.00} of loyalty point to be applied was displayed on the receipt. 2 of the orders totaling {$100.00} were on back order. The order was placed onXX/XX/XXXX. All the items totally {$370.00} were shipped by delivered byXX/XX/XXXX. I was not notified of the 2 times being of back order. I called the company any they communicated that the loyalty points woudl be applied once the total amount of the delivered items exceeded the loyalty points amount. On XX/XX/XXXX, the first of the 2 back ordered items were delivered in the amount of {$95.00}. The total amount of the delivered items was {$460.00}, which is greater than the {$450.00} reward dollars. The next statement date closed at XX/XX/XXXX and the amount had not been applied. I called several times through process and it was communicated it would be applied in 3 to 5 business days. The credit card company did n't apply the credit and instead charged me for {$25.00} of interest. This I called them and they would not remidate this situation. It is now XX/XX/XXXX. No credits have been applied to my account, and instead they have charged me  interest. This credit card company needs to be thoroughly audited as this is the 4th time i have had to call to get loyalty credits applied. I am sure there are hundreds of individuals getting XXXX out of earned credits and also being charged undue interest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-05-2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (VA).
Issue: Deposits and withdrawals

Complaint: I had a account with suntrust bank. I made some deposits that were returned ( another source did n't have enough in the accounts to cover ) Suntrust placed the account on hold. This at the time was my main source as far as banking was concerned. So my employer deposited my pay check into the account. Suntrust refuses to release any part of the deposit. Even if the original items ( that put the account on hold ) were far less than the payroll deposit. I called everyday and was told something different every single day. Now here the kicker the account is on hold, so things that were in auto pay would try to go through. More than enough money to cover the charges but Suntrust sent back the items unpaid and charges {$36.00} each time. So not only was my funds unavailable to be and they would n't release them they also was charging me fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-11-2017 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Other fee

Complaint: I signed up for the American Express Platinum Card XX/XX/2016. AmEx automatically enrolled me in their Travel Insurance Program without my ever signing up for it. AmEx then charged me {$19.00} when I bought a flight ticket from XXXX XXXX. When I saw the charge I disputed it and asked for a complete refund as I had never signed up for this insurance. However AmEx refuses to refund it and is making me run from pillar to post. I have already disputed it three times with AmEx and chatted with their customer service reps. They keep passing the buck to someone else and waste my time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/14/2016 about Debt collection (Medical) with Med-1 Solutions, LLC (IN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Per XXXX XXXX XXXX XXXX, my insurance has paid all but XXXX $ 's of my bill. Med XXXX Solutions has continued to harass me and even filed in court against me to try and collect the full original amount owed of {$19000.00} from service dates XXXX/XXXX/12 and XXXX/XXXX/12.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Bank of America called a former employer of mine because they informed that Bank of America called looking for me, I had told me that I no longer worked there. My former employer was upset and then I called in back in XXXX XXXX or XXXX XXXX when my payment was held by the credit department and this occurred twice. I actually spoke with someone in that department and they verified that information. Bank of America can remove the negative mark off my credit because per XXXX companies can do a goodwill intervention once and remove it if they wish to, he states that companies hate to do it but they can ask the credit report to remove negative information. I had a negative mark removed by another company via goodwill intervention. The credit bureau states that Bank of America does not like to remove negative marks but they can remove it if they wish. I asked them to remove it but I was told they could n't. I also spoke with a credit law attorney and he advised that he has heard several complaints about Bank of America telling customers that they ca n't do a goodwill intervention, he advised most companies will only do it once for the life of the account but he does not know why BOA is giving out bad information. I want the credit marked removed de to misinformation being given by customer service and the credit department ( I talked with them twice because they did not credit my funds right away ). No one at Bank of America is worth talking to because they never take responsibility. I work in the credit department and I know they could do a goodwill intervention once.

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 09-09-2017 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: Equifax 's website has indicated that I may be affected by the recent breach. However, there are now reports which claim that the website is not actually working as intended and say that you are affected even with nonsensical data.
A few problems with this : 1 ) Saying that you may have been affected when you did n't gives incentive to purchase unnecessary services such as a credit freeze ( {$10.00} per reporting service in my state ) or credit monitoring. I 'm currently unemployed, and really do not want to purchase something which I do n't need but at the same time do not want to risk my credit. Frankly its also ridiculous that I have to purchase a credit freeze from the same company that may have leaked information in the first place.
2 ) The one year of coverage, while mandated by law, is insufficient. Private information which could lead to identity theft may now be out in the public space -- it does n't go away after a year. This could come and haunt me far into the future, yet if I want credit monitoring I would need to purchase a service from the same company which may or may not have lost my information in the first place.
3 ) As a consumer I have no real recourse or way to avoid using Equifax. I rarely directly interact with Equifax. Instead potential lenders will check with credit reporting services before giving me a loan. While in theory I could attempt to avoid lenders which use Equifax in practice it is extremely difficult : Equifax is a major institution in the financial space and will likely continue to be so in the future.
4 ) In order to use the free credit monitoring offered by Equifax I need to sign a binding arbitration agreement with an opt out clause. This clause requires me to mail a letter to the company in order to ensure my ability to sue if there are any issues with the credit monitoring. My understanding is that this arbitration clause only applies to the credit monitoring and not the actual leak, but I do not want to have to sign away any legal rights I may have, especially as part of an agreement for a service from a company which has already lost my trust.
Personally, this breach comes at a terrible time for me. Within the next couple of months I intend to take student loans to help pay for my XXXX  school education. Thanks to the breach I am not extremely paranoid about my credit. Any fraud which could harm my credit score could lead a higher loan rate. If this occurs, my options are to either suck it up and pay thousands of dollars more in interest on my loan, or I drop out. Neither of these options are acceptable.
Thank you for reading, and I hope to reach an acceptable resolution.

Company response to consumer: Closed with explanation