milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-09-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX of XXXX, Ocwen Mortgage increased my monthly mortgage payment from {$2100.00} a month to {$2400.00} month, an increased difference of {$330.00}. I contacted OCWEN customer service and they claim that the increased was for a data analysis of my account, which was not performed in XXXX non-payment of approximately XXXX from escrow account ( homeowner insurance and county property taxes ). Although I have had Ocwen as my mortgage company since the beginning of XXXX and they had made payments to the insurance company and county through the escrow account since XXXX and I have incorporated the escrow in my mortgage payments and have paid my mortgage on time to Ocwen since XXXX. Ocwen claim that my escrow account was in the negative and the increase was required to pay the balance of the escrow of {$3400.00}. This recent increase in escrow payment does not appear to be legitimate and shows that fraud is occurring within Ocwen. The explanation by the Ocwen representative did not make any sense, since payments are suppose to be paid each year to the insurance company and county and has been paid my mortgage holders, since I purchased my house in XXXX of XXXX. I have never heard of any mortgage company increasing an escrow account by this much and let alone indicating that my account was in the negative, when payments are being made to pay for the escrow accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (RI).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: XX/XX/2017 XXXX XXXX is blocking access to my account from a company I authorized to be able to do so / blocking me from enabling external applications.

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 01/31/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (NV).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: last year i was convinced to switch my DISCOVER CARD to a discover " it '' card ( by a discover card representative ) because of all the benefits i would get, but when it came time to receive the biggest benefit, they would not give it to me, because it was a switch, and not a new application. the benefit with the " it '' card is supposed to be double your cashback bonus upon your anniversary date. they even have commercials about this feature, to entice you to get an " it '' card. i was not told i would have to cancel my then current discover card, and reapply for a new card at the time. i was told it would just be easier to switch to the new card, but i was assured that i would receive all the benefits. i consider this deceptive and false advertising on their part, and would like my cashback doubled as promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-04-2018 about Debt collection (Credit card debt) with Premier Holdings (HI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Left message they were taking me to court in XXXX County. Called back, no one answered and left message. Called back, again and no one answered. A few minutes later XXXX XXXX called me back. Said she was with XXXX XXXX XXXX XXXX and she wanted me to confirm the last 4 of my SSN and that she was submitting documents to the court today to garnish my wages. I asked if this was for a XXXX account. I paid this debt with a debt collector over a year ago. This debt was from 2003. I started to tell her my story of how I paid this debt but I keep getting calls about this and she started talking, too, asking me to confirm my social. And then she said I was rudely talking over her and she would see me in court and hung up on me. I called back and left a message saying I did want to talk about this and I was not trying to bed rude. I tried her again, she didnt answer and I tried her answer and she answered. I asked her nicely if I could please have the fax number to send the letter stating I paid this debt. She said as she was trying to advise me earlier before I rudely interrupted her.. and she gave me the fax number. I asked to speak to her supervisor. I have never been spoken to like that. She said she was the supervisor. I asked if there was anyone above her and she said no so I asked if she pawned premeir holdings? She said that supervisors and owners are two different things and hung up on me again.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. ().
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: When my loan was transferred Navient, I soon lost the ability to sign into my online account. I live and work overseas so paying online is the primary way I make payments and check my balances. 
They say there is a 'fraud ' alert on my account, but do not say why. The only way I can remove this 'fraud ' hold is to make 6 consecutive ontime monthly payments. If I miss one, the 6 month clock starts again. These might not seem like a huge hurdle, but when you live overseas and can only pay by calling them during business hours, it actually is onerous. Further, if I do n't persist in having the fee waved each month, Navient charges a phone payment fee. I think this is an unfair business practice that creates a situation where their poor customer service is likely to gain them revenue in the form of late fees, phone payment fees and the like.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with GC Services Limited Partnership (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My family and I had a Family Plan with XXXX. In XXXX of 2016, my brother and sister called XXXX to terminate the plan and disconnect all phones including a home phone for all of my family members. After 20 plus years we moved to XXXX XXXX XXXX. XXXX terminated my dad 's and my brother 's account in XXXX but left the lines open for my sister and me. Again, we called and asked for the phones to be disconnected in XXXX. Their response was it will close out on XXXX XXXX without further charges. Finally, my sister 's phone was disconnected. My phone was not disconnected so I called in XXXX and they said that it would be disconnected on the XXXX. I paid the remaining balance and I was told that would be it. It did not end, I called back in XXXX and the charges kept piling up for a phone I had not used since XXXX 2016. On XXXX XXXX, I called and asked what is the remaining balance to clear our account? The XXXX representative told me the total was {$97.00}. I paid the {$97.00} and was assured the remaining balance was {$0.00} and that the phone would be disconnected on XXXX XXXX with no further charges.The plan for the last number was finally disconnected on XXXX XXXX. However, XXXX kept accumulating the charges. I called once again in XXXX and explained to the representative what had happened since XXXX and he told me you have to pay up which I did not. XXXX then sent the account which is under my brother 's name to a collecting agency. 

I must also inform you that on XXXX separate occasions the XXXX representative agreed that there was no phone usage and we would not be continued to be charged. She mentioned to me it 's a glitch in our system but it should be taken care of soon. Unfortunately, it was n't and the charges kept piling up. Now, they tell me the current balance is {$140.00}. 

I can no longer access the statements or usage from the Family Plan because my account is past due according to them. I have attached pertinent information that will provide evidence to my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (NY).
Issue: Account opening, closing, or management

Complaint: BBVA XXXX closed my accounts out of the blue with no explanation. 
To my knowledge nothing happened with the my accounts that that could result in that. No bounced checks, no negative balance accounts, nothing. That they do n't even care to explain leaves every possibility open, including but not only discrimination

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I was denied credit because Trans Union had a collection notice on my account that should have bene closed in XXXX of 2012. ( Office XXXX billed me and I did not pay because I already paid ). Called Trans Union and their foreign call center said they could not take it off that day, even though I had all the information needed. I was told it would take up to 30 days which is unacceptable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (IN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: Portfolio recovery is purchasing bad or old debt that has been charged off. I think like 4 or 5 different things.they constantly robot call from different numbers and such. Now they are trying to garnish wages. They harass us and its ridiculous at this point. They are rude and threaten with things all the time. Amounts are changing they are just dirty

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: AS EOS IS NO DOUBT AWARE, I HAVE REQUESTED THAT VALIDATION BE MADE ON THIS ALLEGED ACCOUNTS INFORMATION, I DID NOT REQUEST VERIFICATION OF THIS ALLEGED ACCOUNTS INFORMATION. EOS HAS NOW LEGALLY EXCEEDED THE TIME FRAME ALLOWED TO YOU BY LAW. 
EOS HAS NOT PROVIDED ME WITH THE FOLLOWING INFORMATION IN THE TIME FRAME ALLOWED TO YOU BY LAW. 
THE FOLLOWING INFORMATION HAS NOT BEEN PROVIDED! 

What the money you say I owe is for.-HAS NOT BEEN PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW! 
Explain and show me how you calculated what you say I owe-HAS NOT BEEN PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW! 
Provide me with copies of any documents that show I agreed to pay what you say I owe-HAS NOT BEEN PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW! 
Identify the original creditor-HAS NOT BEEN PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW! 
Prove the Statute of Limitations has not expired on this account- HAS NOT BEEN PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW! 
Show me that you are licensed to collect in my state-HAS NOT BEEN PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW! 
Provide me with your license numbers and Registered Agent-HAS NOT BEEN PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW! 

At this time I will also inform EOS that your offices have reported invalidated information to all XXXX of the major credit bureaus ( XXXX, XXXX, and XXXX ) this action constitute Fraud under both federal and state laws. Due to this fact, the negative marks that have been found on all of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against EOS.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Bank account or service (Other bank product/service) with Comerica (CA).
Issue: Deposits and withdrawals

Complaint: Money was STOLEN from my account and my dispute was denied. I was told to find and go after the thief myself. Who is now an EX XXXX employee. My card was input manually 9 times total, all separate transactions, in the time span of 2 hours, for a total of {$1100.00} stolen. My card was ran until declined because they withdrew ALL of my funds. Now Direct Express/Comerica refuse to do the lawful thing and their suggestion is to contact the THIEF?

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Problem with fraud alerts or security freezes

Complaint: I have been unable to process a request for a credit freeze with TransUnion through either their website or telephone number.

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 06/23/2017 about Debt collection (Mortgage debt) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I was was looking for legal representation after firing my lawyer and they notified me of the courts decsion late and put up my house for sale X/XX/2017 with no notice to me. <P/>I had already spent thousands on legal representation for lawyers that negotiate with their clients XXXX of defending the merits of the case. There are no lawyers that want to appeal the case without excessive charges. <P/>I was forced to file Bankruptcy to stop the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Debt collection (Medical) with Overton, Russell, Doerr and Donovan, LLP (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I am being brought to court for a debt that has been paid and removed from my credit report 6 months ago. Just last week I got a summons to appear in court to pay a debt that has already been satisfied. Now my credit score is down. How is this legal? If I do n't go to court the law will favor the collection agency and garnish my wages. Yet I 've already paid this debt, and have proof of payment

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Vehicle loan or lease (Loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint: On XXXX XXXX, XXXX XXXX XXXX XXXX in XXXX XXXX FL issued a Buyers Order ( attached ) as relating to the purchase of a NEW XXXX XXXX XXXX automobile pursuant to a request by Bank of America 's Auto Loan Division. Bank of America based its decision in financing the above mentioned automobile based on the aforementioned Buyers Order. While the mileage of the automobile was XXXX miles at the time of delivery, the Sales Embassador of XXXX XXXX XXXX XXXX XXXX XXXX advised us that the vehicle had that mileage because of the extensive testing on the track in XXXX and the occasional miles put on during test drives as the one we had conducted. 

A letter dated XXXX XXXX, XXXX from XXXX XXXX XXXX, Senior Client Services Executive XXXX XXXX XXXX clearly states the following : XXXX XXXX XXXX 's demo vehicle and was originally registered on XXXX XXXX XXXX XXXX. 

Had I been made aware of the fact that I was negotiating / purchasing a DEMONSTRATOR automobile I would have had the opportunity to make an educated decision based on facts surrounding the transaction. 

The fact that I purchased a Demonstrator automobile unknowingly has caused a financial burden as I believe the car was not and not represent the correct values. 

I purchased a Demonstrator / Used / Registered automobile which had a delivery date / Warranty Start Date of XXXX XXXX, XXXX. The Manufacturer Warranty of 3 years Unlimited Mileage was also reduced by 4-1/2 Months. 

Bank of America was defrauded here as well, they may not have loaned the monies had they been aware the automobiles history.

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 04/13/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I initiated a customer service chat with citibank on XX/XX/18 and was told that Citi does not reveal accrued interest to customers using the website ( which is the only way I can see my account, pay bills, etc ). I am being charged interest without being told when or how much.

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 01/21/2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This is, I believe, the third CFPB complaint I have submitted against this company for the exact same reasons. You have done nothing to help rectify this problem. Equifax has done everything wrong to try and fix this problem, which is a violation under the FCRA. Both XXXX and XXXX seem to have no problem reporting my credit information accurately and timely. Equifax is the only CRA that is not only falling down on the job, but is basically illegally not furnishing accurate credit information. My XXXX XXXX store card has not updated since XXXX/XXXX/15 now and actually that card is now closed as I was upgraded to their XXXX XXXX XXXX which is also not reporting. Back around the XXXX or XXXX complaint with the XXXX both my XXXX XXXX and XXXX store cards were not being updated, they XXXX were reporting a balance when they were XXXX XXXX, and the only way I could find to get them to update was to dispute the trade line. Out of frustration I called Equifax ( for the 10th time ) to try and resolve this. The CSR I talked to said there was nothing they could do but dispute the tradelines. Angrily I accepted and he submitted the dispute, and to my horror XXXX tradelines were removed from my credit report. Two years ' worth of positive payment history gone. I have tried very hard to build positive credit and this is unacceptable in all accounts. I am just getting around to sending this complaint due to the holidays, but I will be applying for my first mortgage in the next few months, and if this is not resolved by then, I will have to sue Equifax as this is greatly affecting my life. I have spent countless hours on the phone, e-mail, etc. trying to resolve this, and if this affects my mortgage process in anyway, if I get a higher rate because of this, I will be enlisting my mother XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and I am sure they can rectify this in the courts.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Trouble during payment process

Complaint: I have been dealing with Bayview Loan Servicing. Nothing but lies and false information. First I tried to a loan modification. I was turned down for a the modification. So I decided to do a short sale. I was told not enough time. As the paperwork was turned in 63 days a head of the sales date. 

Also a BPO was ordered with the value coming in XXXX higher then any comparable sales in the area. My house is more of a lot value then anything. Bayview refuses to work with me. All I get is lip service. As CA does not have dual tracking.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Account was included in bankruptcy but not being listed as such. 
Account is being reported as open Limit, left blank Closed date, blank Companies both verified that this false information is true, and made no changes

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 04-08-2016 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (MN).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XXXX of American Express has threatened legal action if I do not pay my entire balance on my card ; meantime I have been making monthly payments and AmEx continues to process those payments and when I call AmEx there is no indication that this is an attempt to collect a debt or any such indication that my account might be in arrears. I DID speak with XXXX about 8 weeks ago and he was trying to get me to pay off my entire balance ( over {$4000.00} ) immediately or next steps would be taken - this is when the threat of court came into the conversation. Since then he has been calling me at least XXXX daily at work and on my cell ( so at least 4x daily total ). I have been trying for about 6 weeks to get back in touch with XXXX, to return his constant calls, outside of my working hours, and he is never available. I have left many messages for him. He continues to leave me voicemails, calling during work hours, stating " time is of the essence '' on my account. Today I left XXXX a voice mail asking that my work number be flagged as do not call and that he can not continue to call my work and that I am only available in the evenings ( I have left messages like this before ). Tonight I have not only made another payment to AmEx but tried to get through to any representative at AmEx only to get a " mailbox full '' message at AmEx. Finally, the phone number that XXXX leaves for me does not indicate that he is even an AmEx representative as no mention of AmEx is ever made, nor is there ever a statement that this is an attempt to collect a debt. I am thinking that this could be fraud but am very unsure and could use some assistance. XXXX 's number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Contacted representatives of the company via telephone and emails several times in XXXX and XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane XXXX. However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXXon my credit card accounts.

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 03/29/2017 about Debt collection (Credit card) with Alliance Data Card Services (VA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Contacted a relative after I asked them not to repeatedly

Company response to consumer: Closed with explanation