milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-10-2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: On or about XXXX XXXX I received a Letter From Ocwen saying Dear Customer during a routine review, we discovered a overcharge for property preservation? See Ocwen Billing Correction letter XXXX ) I have Never been a Ocwen Customer? So how are you applying charges to a account Ocwen has previously admitted that was erroneus and False. 
XXXX XXXX also said via email that Ocwen Loan Servicing , LLC had nothing to due with the Fraudulent sale recorded on XXXX/XXXX/2016 into the XXXX XXXX XXXX XXXX Office a Felony XXXX a Violation.He said it was XXXX not OCWEN Why is their activity on the alleged non existent account XXXX showing a escrow balance and other monetary transactions. ( See Exhibit A ) These are blatant XXXX Violations and Money Laundering, defrauding the Federal Government XXXX XXXX by false and fraudulent claims.

Company response to consumer: Closed
Consumer complaint received 05-08-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: Citibank is NOT fulfilling the terms of their promotion for new CitiGold clients who are also Citi Thank You credit card holders. In this promotion, Citi Thank You credit card holders were promised XXXX Thank You points for opening a new CitiGold checking account. The terms of the promotion were that, in order to receive the Thank You points, the new CitiGold clients were to do 2 online bill payments in the 2 consecutive months following the opening of the account. The Thank You points would be credited to the new account 90 days after the statement in which the terms were fulfilled. I have now spent 4 phone calls, 2 secure messages, one online chat, and two letters asking Citibank to credit my account with the XXXX Thank You points. The result of all my requests was that Citibank sent me two generic form letters of which each had precisely the same words. Citibank refused to credit my account with the XXXX Thank You points because " Unfortunately, there was not an ThankYou ( R ) Points promotion offered in conjunction with the opening of your account. '' Very significantly, this statement blatantly contradicts a secure message that I received from a CitiGold Customer Service Agent. A few days after I opened the new CitiGold account, a CitiGold Customer Service Agent _explicitly_confirmed_, _in_writing_, that attached to my account was the promotional code for the XXXX Thank You points. Moreover, the CitiGold Customer Service Agent _explicitly_confirmed_, _in_writing_, that, " The bonus Thank You points will be credited by Citibank to your Thank You account 90 days from the end of the statement period in which you complete all offer requirements. '' Evidently, CitiGold 's own Customer Service Agent had _explicitly_confirmed_, _in_writing_, that the Thank You Points promotion was indeed offered in conjunction with the opening of my new account. I will be providing a copy of this secure message. Therefore, Citibank must credit my new CitiGold account with the XXXX Thank You points that were promised in their own promotion.

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 03/16/2017 about Other financial service (Money order) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY).
Issue: Lost or stolen money order

Complaint: I purchased a MoneyGram Money Order for {$400.00} on XX/XX/2017 at an XXXX in XXXX, ny to pay part of my Mortage for that month. I filled it out completely to XXXX XXXX INC. XXXX XXXX XXXX, NY XXXX, c/o XXXX. 
I mailed it in the XXXX mail box on XXXX between Springer ave and XXXX on XX/XX/2017.I called the mangers office on XX/XX/2017 to make sure it was received. 
I spoke the manger he said it was n't received, I then called money gram to see what happened to the money order they took the money order number and the amount to check it and told me it was cashed. Now I had to pay {$24.00} for a photo copy of the money order. I went to a money gram in cvs and paid for the photocopy in 2 days I received the photo copy of the money order which was altered by the person whom stole the money. It was clear as day this money order was altered money gram has money orders if altered must not cash you can see on the photocopy it was altered and it was n't signed on the back to cash. The money order was made out to XXXX for XXXX the address used is XXXX XXXX. The money order has the Bank named as XXXX XXXX MN No ZIP CODE I can see this Money Order was altered why ca n't Money Gram investigate this to give me back my money. I filed a Police report with the XXXX Police Department 2nd PRECINCT but they 'll not even doing their job Investigating officer # XXXX my complaint # XXXX I gave the officer all the documents he asked for to no avail I 'm still have no help in this matter. I call the police they said it nothing they can do, because No one wrote up the report, Lazy Officers!!!! That 's not right I was robbed of this {$400.00} it sure be investigated I need my money back. That 's why I pay taxes so they can do their jobs .I feel they have robbed me as well!!!

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Debt collection (Payday loan debt) with Midwest Recovery Systems (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I logged into my XXXX XXXX this morning trying to keep track of my score because I am in the middle of getting a Mortgage. I noticed Midwest Recovery Systems on my report. In drilling down it says XXXX XXXX as the origional creditor. I have Never had a loan from these people and I do not believe they are legal in my state anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Debt collection (Other debt) with Collection Bureau of America Ltd. (DC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: To Whom It May Concern : I have been billed repeatedly by the Collection Bureau of America after the water tank had been returned. The bill states that I owe over {$300.00} and interest continues to accrue. 
I need to have this bill settled and satisfied. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: There was a data breach at Equifax INC in which all of my personal financial information may have been stolen. This will cause ongoing issues with my financial stability. They showed blatant disregard for my vital information.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Resurgent Capital Services L.P. (TN).
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 have sent letters to this company seeking that they validate the debt. They have failed to do so. This company continues to send 1 statement which does not itemize the amount of debt they say I owe them. I have never heard of this company, nor have I ever did any business with them. I have requested copies of any and all letters sent to me on behalf of this company. I have not received copies of all statements, invoices, receipts, summaries of account nor any document that bears my original signature. How then can this company say I owe them but yet they have nothing to substantiate their allegation. This erroneous, inaccurate item should not be reflected on my credit reports.I have contacted this company as well as the credit bureaus ( XXXX, XXXX, and XXXX ) seeking debt validation ( see attached ). This company continues to report this inaccurate, erroneous item to the credit bureaus. Why are they reporting that this account has terms of 1 month. Where is the proof that I agreed to terms of 1 month with this company? This company is violating my consumer rights as well as FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Debt collection (Medical debt) with First Federal Credit Control (OH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I paid off the debt. wont send me a paid off in full letter said this will stay on my credit report for 7 years and there is nothing I can do. I did n't realize i had the debt I looked at my credit report and seen it. I called the number to see what it was about. I paid it off why dont I get a paid in full letter and why is this now going to affect my credit for 7 years?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have contacted XXXX and the Mortgage company on several occasions. However, both mortgage companies are reporting my account as being opened. XXXX, is reporting my account opened and XXXX XXXX is reporting my mortgage account as being opened. This is making my debt-to-ratio to be high and I was denied credit for this.

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 03-01-2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Seterus claims they paid my property taxes but they DID NOT. They keep saying they have fixed the problem and now I have a negative escrow balance that I do not owe. So unless I send extra money they will not accept my payment. I have been forced to pay them and extra {$180.00} so last months payment could get credited. They said it would be fixed within 7 days and now I 'm forced to pay an additional {$90.00} per month until the {$3300.00} negative escrow balance is paid. I have contacted the XXXX and Seterus has never paid any property taxes. I have documentation showing that I paid them I do n't have an escrow acct. I have forwarded this info to Seterus and they said it was handled and now I find out that they still think they paid property taxes in XXXX of 2015 but they did not. They can not produce any proof of payment either. I feel they are scamming me so I looked online and saw over XXXX complaints of similar nature. They are running a scam where they are adding escrow accts and using the money and will never give a straight answer. I have spent several hours on the phone only to be restarted back ant square XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Upon checking my credit report, I noticed an account by the name of rise reporting to trans union concerning me. I called and spoke with a trans union agent with my concerns and inform them this was n't my account. The agent replied to me that the account was in good standards and as I told him, I do n't care it was n't my account and to remove it. I 've been a victim of Identity theft and I 've filed a police report case number XXXX Officer XXXX with the XXXX, Alabama XXXX Police Department. number XXXX. I 've also sent a Certified Letter with a returned receipt that I have to Trans Union and Rise also the other credit reporting agent concerning this Rise Account along with a police report and Identity Theft notarized affidavit.

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 08-10-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I canceled my account before payment was due, yet XXXX still billed me for the next month.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (WV).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I opened an account with american express for a Delta Business skymiles card. I met the requirements as noted below and it has been past the time and they have n't credited my account with the points and the XXXX delta credit. Also attached is a copy of the conversation stating I met the requirements and the numerous times I tried to fix the error. Please help. 



Offer states : XXXX bonus miles after {$2000.00} or more in qualifying purchases are made on the Card within the first 3 months ( 92 days ) of Card Membership. An additional XXXX bonus miles ( for a total of XXXX bonus miles ) after an additional {$1000.00} ( for a total of {$3000.00} ) in qualifying purchases are made on the Card within the first 6 months ( 183 days ) of Card Membership. A {$50.00} statement credit after the first qualifying Delta purchase is made on the Card within the first 3 months ( 92 days ) of Card Membership. The annual fee for the Gold Delta SkyMiles Business Credit Card will be waived for the first year of Card Membership. After that, the annual fee will be {$95.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (OH).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I chose # XXXX because I did n't see an appropriate point under " False statements or representation. '' NATIONAL CREDIT SYSTEMS , INC '' told me I had to pay the debt by giving them my CHECKING ACCOUNT NUMBER in order to " Protect your credit. '' And when I said I was n't giving them my acct number she said " Well, like I told you, giving me your checking account number is THE only way to protect your credit. '' I called within XXXX days and said I wanted a letter statin that if I XXXX they would contact the credit bureaus to say the debt was XXXX, and that I was going to send an official money order for the XXXX payment. AGAIN she said if I did that they could not ensure my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is a collection from XXXX XXXX stating a creditor by XXXX sent me to collections. I do not know anything about this XXXX nor have i ever been to the state that is being listed. I believe my identity has been stolen and i want this collection removed and to not come back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/27/2017 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: Paid off XXXX XXXX XXXX in XX/XX/XXXX in full on 2 accounts. See upload XXXX XXXX of {$1300.00} and {$280.00} which include interest and fees. 
Now what I AM DISPUTING FOR THE 10th time is that it shows up to potential CREDITORS as DEROGATORY!!! 
And it should be reported asXX/XX/XXXX when it was paid off back on XX/XX/XXXX Do SOMETHING ABOUT IT FINALLY!! 

Call XXXX XXXX XXXX and they will verify! 

Thank You! 

XXXX 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 non-monetary relief
Consumer complaint received 03-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I submitted a request to review a Federal Tax Lien on my credit report. All other credit reporting agencies have removed this from my credit report except TransUnion. I called the XXXX and received a release document, and asked that TransUnion follow up and remove this information. They claimed to have done an investigation, and " VERIFIED '' the information as good, no change. This is wrong. I am attaching documents to show that this tax lien was released in XXXX of 2015. TransUnion REFUSES to remove this from my credit report, and I am filing a complaint against them for failing to do so. TransUnion should have been able to verify as easily as I did with the XXXX, and I do n't believe they verified anything at all, they took the entire 30 days to come back and tell me it was verified. They ought to be sanctioned ... ..

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 01/22/2018 about Mortgage (FHA mortgage) with LoanCare, LLC (SC).
Issue: Trouble during payment process

Complaint: In 2017 we fell behind on our mortgage due to unexpected expenses and a slight reduction in income. We tried to get caught up and began making regular monthly payments of {$1400.00} ( almost {$150.00} extra each month ) in XX/XX/XXXX through our online bill payment through XXXX. We were 3 payments behind, but almost had enough in the unapplied ( XXXX ) to make up 1 full mortgage payment, then we would be under 90 days. I even spoke to customer service in XX/XX/XXXX and they explained as long as we did not go more than 90 days that was fine. We made our XX/XX/XXXX payment which would have brought us current for XX/XX/XXXX, but LoanCare returned this payment and told me they would only accept a full 3 months to get caught up! I was almost there now they do this!

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 03-02-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MI).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I received a promotional letter from American Express to apply for the Delta Gold SkyMiles Credit Card that promised XXXX bonus miles if I spent {$3000.00} within a certain time frame. I opened the account on XX/XX/2018, and spent {$3000.00} right away, and then didn't receive the bonus miles. 
The offer also included a {$50.00} statement credit if I made a XXXX purchase which I did on XX/XX/XXXX. Alas, I received no {$50.00} statement credit from American Express, though I met the terms. 
I printed out the Skymiles XXXX offer which said I had til XX/XX/XXXX to take advantage of this bonus offer, and I applied and was approved for the credit card on XX/XX/XXXX. 

I called customer service on XX/XX/XXXX, and the customer service agent said I might not get the bonus offer because I've had another American Express card in the distant past. However, there is no lifetime language on the offer terms regarding the bonus. 
The customer support person wanted to know what the RSVP code was, but I can't find it since I applied for the card, was approved, I assumed that American Express would honor their promise for the bonus. 
The customer service agent gave me a Case number, XXXX. 
The customer service agent said American Express won't let me know the results of their investigation, and if I call up maybe they'll have results for me, or maybe they won't. And maybe they'll give me the bonus, or maybe they won't. 
So American Express knows I've had a card in the past a few years ago, but they can't find out what my RSVP code was for the letter I received promoting the credit card and the bonus? American Express sent me multiple letters for this Delta Gold Skymiles Credit card with the bonus promotion. I only finally relented in XX/XX/2018 to take advantage of it. How could American Express have this selective information, that would benefit them only?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-09-2017 about Payday loan, title loan, or personal loan (Installment loan) with SYNCHRONY FINANCIAL (FL).
Issue: Problem with additional add-on products or services

Complaint: Synchrony Bank took {$3000.00} out of my checking account which caused {$81.00} in overdraft fees. They promised I would receive credit for those fees. I had to wait  almost 4 WEEKS to get my money back. ( They did n't care and lied MANY times about the return of my money ) I got a letter from them stating that I would get the {$81.00} and so far that has not happened. I do n't know who is in charge at Synchrony but they have some major problems.

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 02-10-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: In 2011, I became very ill and XXXX making it impossible for me to work causing a horrendous hardship and I got behind my mortgage payments, I desperately call my lender / servicer Wells Fargo Home Mortgage. requesting assistance with my loan with no avail.I continued to ask for assistance for a loan modification under the XXXX XXXX XXXX Making Home Affordable program, I began to fax all requested and repetitive documents to the modification department for several months, I was constantly transferred to different Wells Fargo Home Mortgage. representative and agents. I was distress, anguish they kept denying my request for a modification I was in disbelieve Wells Fargo Home Mortgage made this into a nightmare I continued to plead with them, and explained my difficult situation but it did n't get me anywhere. I want to file a complaint against Wells Fargo Home Mortgage for the deceitful, dishonest, lies and XXXX, method with the process of my loan modification and for denying me the XXXX XXXX XXXX - Making Home Affordable Program after I was assured by their representative agents I would be eligible if I followed their instructions and I did.

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 Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Delinquent account

Complaint: I have been a customer of American Express for over almost 30 years and i just noticed that I have a 30 day late payment reported to the credit agencies from XXXX ' 2012. I have never missed a payment from this account.

Company response to consumer: Closed with explanation