milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/28/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Trouble during payment process

Complaint: We purchased our home in XXXX, Illinois and started out with GMAC Mortgage and were bought out by Ocwen Loan Servicing, LLC ( company in XXXX XXXX XXXX, FL ) .We were current on our payments so there was NO reason we should have been given over to Ocwen , who is a debt collection agency instead of a mortgage company. Our payments have gone up considerably on a 30-year fixed loan. Our property taxes and insurance were es-crowed in ; Insurance on the home has stayed the same and property taxes have barely increased over nine years. We have tried to work with Ocwen of why our payments have gone up {$300.00} dollars, thus causing us to not be able to afford our home, but we continue to get the run-around. We started to get behind on payments when this first happened, and even took out a loan against our 401K to catch up payments. Payments were indeed caught up and then Ocwen ONCE AGAIN increased our payment. Sincerely, Very Stressed Out Homeowner

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: On XX/XX/XXXX I checked my credit report on XXXX XXXX  and I had a total of 19 collection accounts & 4 hard inquiries removed from my report. I checked my account again on XX/XX/XXXX and I saw that all 19 collection accounts & 4 hard inquiries were placed back onto my credit without sending me a reinsertion letter as required by FCRA section 611. I have called XXXX several times since the incident to try to get this issue resolved but I have not received any help. Reps wo n't assist me nor will they transfer me to the fraud department telling me that they know what happened but they ca n't help me so basically it 's too bad & that I should file a complaint because they wo n't fix the issue. I have faxed proof that I was affected including screenshots of the removals/re-entries to XXXX but they continually say theyve not received anything from me. Since then I have successfully had the original creditors remove some of them from my credit file after theyve confirmed and validated the accounts as false. Also since then, XXXX has added a recording that can be heard when calling their toll free numbers ( XXXX ) XXXX & ( XXXX ) XXXX explaining and admitting to technical issues taking place on the dates between XX/XX/XXXXXX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX that affect account and inquiries being removed and added back on.

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 04-09-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I had a mortgage with Bank of america. They later transferred the servicing of the loan to XXXX in XXXX. I paid steterus timely and was never late. In XXXX XXXX, I refinanced with quicken in XXXX XXXX. Bank of america is still showing the account as delinquent with XXXX and they are showing the mortgage as an installment loan that is delinquent with XXXX. Both of these are incorrectly and impacting my ability to get premium interest rates. I have written the bureaus on several occasions about this and they have not made the corrections. I understand if they ca n't correct it they must delete the entry.

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 03-08-2017 about Credit card () with CITIBANK, N.A. (TN).
Issue: Customer service / Customer relations

Complaint: Around XXXX XXXX, I noticed a fraudulent charge on my credit card for an online purchase at Best Buy. I immediately contacted Citi to dispute the charge which they approved as fraud. A day later a package arrived at my house addressed to someone else from Best Buy. I called Citi back to report that the alleged package arrive to ask them for direction on next steps. They informed me that they could not tell me what to do with the package so its at my discretion but that they had approved my dispute and the money will be credited back. I decided to return the phone to Best Buy. I explained to the customer service rep the situation and told them I needed to just give them the phone back and he said they could n't do that but they would have to issue a credit. I tried explaining that Citi had already given me a credit but he said it must be processed as a return anyway. I have also requested from Best Buy and Citi the IP address of where the item was purchased to provide to the police which I have not received from either company. 
My complaint is now that 3 months later I see a charge on my citi card that occurred on XXXX XXXX but posted XXXX XXXX. When I called Citi to inquire they said they were recouping the credit since Best Buy returned the item. I told them I understood but wanted to given some leeway as now I owe $ 900+ which I viewed as a statement credit at the time and was never informed that this could happen especially not after almost 3 months. I am extremely frustrated that Citi did not set the expectation of their policies on the front end nor was anything at any point communicated to me. I am a loyal customer who pays my bill in full every month, now I will endure a financial hardship for something I did not create. Once the credit from Citi was not corrected within a month, I reallocated my budgeted money. I asked Citi if there was anything they could do for me because of unexpected charge and now my responsibility to pay for it which will cause a financial hardship this month. I was only offered a {$75.00} statement credit for my time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/31/2017 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Tried to get my free annual credit report thru Equifax. The security questions I was asked had nothing to do with me, so I was denied to see my credit report. Then, Equifax had a trial program for {$4.00}. So, I put in the same information as earlier, and what do you know, I was able to get my credit report. Equifax did the same thing last year, as well as XXXX. Well, I forgot to cancel the trial membership, and so I was charged {$19.00} for a month 's access to my credit report. This is done intentionally so people like me will pay for something, by law, is free.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Checking or savings account (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I opened an account with BMO Harris bank under a promotion to receive a {$200.00} bonus after a maximum of 120 days. Per BMO I was to use promo code " XXXX '' which would be automatically applied and " have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other government benefits payment of {$300.00} or more each electronically deposited into the account from an employer or outside agency within 90 days of opening. '' Here is my timeline of events : XXXX/XXXX/XXXX - account opened with promo code XXXX/XXXX/XXXX - deposit of {$500.00} from XXXX XXXX pension/retirement plan XXXX/XXXX/XXXX - deposit of {$500.00} from XXXX XXXX pension/retirement plan XXXX/XXXX/XXXX - closed account I closed my account after 150 days and no promotion bonus was received. I contacted customer service via echat but they advised they were unable to assist.

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 06-08-2017 about Debt collection (I do not know) with Merchants and Professional Bureau, Inc. (TX).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: I do not answer telephone calls from numbers I do not recognize. I received a telephone call from XXXX today. When I did not answer the call, my front desk receptionist called me a few minutes later telling me she had received a call from the same number, and said the caller identified himself as a XXXX XXXX with Merchants & Professional Bureau of XXXX. He told her he needed to speak with me about an outstanding debt.
He said he needed to speak with me to discuss this personal situation and the receptionist told him we are not allowed to receive personal calls at work.
This was VERY disturbing. I do n't know what the call was about or who this company was representing, but I never thought an individual identifying the company he represents as a debt collection business could call people at their place of employment. I do n't know what the call was about but I was VERY embarrassed. My boss then called me in to her office, wanting to know why I was getting personal calls at work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Debt collection (Auto) with WELLS FARGO & COMPANY (OH).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Someone used my name without permission to apply for auto loan. Now that person is in default and Wells Fargo continuously calls me for information on that person. My only concern is whether or not my credit is/or will be affected. I have a stellar credit rating and hope that this will not affect it. I never signed or co-signed any document ( s ) giving my approval for this loan and would appreciate it if Wells Fargo would not continuously contact me in regards to this matter. I had no knowledge that my name and phone number was used in this matter until Wells Fargo started contacting me. It is very annoying to me since I pay all my debts on time and none of my creditors are looking for me for debt that I owe because I pay my creditors on time when due. How can I get Wells Fargo to stop calling me interupting me for a matter that has nothing to do with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (CT).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: I sold an item on XXXX. Trying to withdraw my money on Paypal on the XXXX XX/XX/2018. They have put it on a hold for 72 hours for no reason. They keep changing time frames and are just not releasing my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The balance on my XXXX XXXX account ( XXXX ) goes from XXXX to {$49000.00} to XXXX to {$49000.00} several times over the past six months. It was XXXX in XX/XX/XXXX, had the balance in XX/XX/XXXX ... then XXXX on XX/XX/XXXX and again has a balance on XX/XX/XXXX. 
I have attached documents showing that this balance has been paid and the mortgage cancelled. I have also attached documents showing this progression of errors from XX/XX/XXXX until now. This fluctuation error is costing me thousands of dollars in interest rates due to the major changes in score from one month to the next.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-03-2015 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I worked for the City of XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX through a temporary agency XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. My credit report from XXXX Bank in XXXX XXXX XXXX says under the collection information that I owe the city of XXXX, {$650.00}. I only worked for them from XXXX 2014 - XXXX 2014 through the temp agency. I never borrowed money from them. I only lived about XXXX blocks away and they had my address if there was anything wrong why did n't they contact me or the temp agency. I did file a complaint against them through the XXXX XXXX XXXX XXXX but the complaint did not fall under their statutes. the dates are XXXX almost the same dates as I worked for them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/15/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I checked my credit report on XX/XX/2016 the account status was closed bal. 
was {$0.00} XXXX dollars. payment status was collection/ charge off. remarks was charged off account fixed rate. now on XX/XX/2016 I notice that they changed the balance from {$0.00} XXXX dollars to {$130.00}. I 've sent letters to both company and credit reporting agency first letter regarding this issue XX/XX/XXXX and they have failed to explain to me how I owe this debt. when they from start of XX/XX/2016 never been able to show proof by verification of my signature to this account. it has caused my scores to drop a lot. if you can check my credit report from XX/XX/2016 and then check it on XX/XX/2016 that 's when things changed.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Transaction issue

Complaint: I have XXXX credit card charges with American Express ( they are the same charges so it is impossible to differentiate what amount of the charges was for our purchase of their ( the merchant 's ) timeshare and what amount was for fees to enable the merchant to complete the purchase of our XXXX timeshare ) related to XXXX the purchase of a timeshare from a merchant and fees paid to the same merchant for the merchant to purchase our XXXX timeshare. 
I am not sending this complaint regarding the dispute but rather AMEX 's responsibility for the charges. 
AMEX is assuming that illegal documents are legal and a legal cancellation is not valid. If that is the case then why is AMEX ignoring the transaction exchange rate and charging us more than the agreement states? Exhibit XXXX page XXXX. How can AMEX determine that an illegal document binds us but does n't bind us to the exchange rate?

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-03-2017 about Consumer Loan (Installment loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (NV).
Issue: Problems when you are unable to pay

Complaint: A Nissan collections agent called me at XXXX PST on XX/XX/2016. This is a violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Credit card () with AMERICAN EXPRESS COMPANY (WI).
Issue: Rewards

Complaint: I applied for the American Express XXXX card with a XXXX Membership Rewards points bonus offer. The terms of the offer stated that the XXXX points would be available within 6-8 weeks of meeting the minimum spend requirement. The XXXX points did post to my account, but I was told by an American Express representative that everyone who applied for the XXXX point bonus offer would have their Membership Rewards account locked and be unable to redeem their points for 6-8 weeks. An American Express agent I spoke to confirmed that it has been over 8 weeks since I met the minimum spend requirement and since my Membership Rewards account was locked, but that my points can still not be redeemed. He also said it was not possible for somebody to manually unlock the account, and that I would need to wait until the system automatically unlocks the points. He said there was no date by which the points are guaranteed to be unlocked, and that I will need to wait for an indefinite period of time to redeem my points. This applies not only to the XXXX points that I earned from the bonus offer, but to all of my Membership Rewards points, including those I earned from other cards before signing up for the bonus offer. Essentially, all of my Membership Rewards points that I earned in accordance with their terms are unusable until an unknown date, and nobody at American Express can fix the issue or tell me when the issue will be fixed, despite the date that their terms said the points would be available having passed.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Problems caused by my funds being low

Complaint: BBVA Compass keeps manipulating transactions and charging me overdraft fees The transaction they claim overdrafts my account never shows on the online banking And the fee is always when I have a positive account balance bigger than any transaction I have made. They refuse to refund these fees and tell me their system is different from what I can see. It appears to me they are stealing my hard earned money because you ca n't charge a customer a few and not show them on the system you give them to monitor their account where the fees originate from. They have now stolen over {$200.00} from me this month alone. I want my money back!

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Harris & Harris, Ltd. (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: So-called creditor is in direct violation of FCRA, FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Debt collection (Mortgage debt) with NAVY FEDERAL CREDIT UNION (NV).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: This complaint is in reference to my previous CFPB complaint # XXXX in regards to the CFPB Consent Order against Navy Federal Credit Union. At the time of the complaint, NFCU responded : " Our review of this matter is in process, and we will respond as soon as possible. The following references the complaint we received on XXXX XXXX 2016 from the Consumer Financial Protection Bureau ( CFPB ) on behalf of Navy Federal member XXXX XXXX. The complaint was assigned a case number of XXXX. Our member has asked us for information related to our recent agreement with the CFPB. Pursuant to the terms of the agreement, the CFPB will approve how we will identify and make payments to members who are eligible for compensation. If XXXX XXXX is eligible, he will receive prompt notification at a later date. We will consider all facts and circumstances regarding XXXX XXXX 's account in the assessment of compensation, if any. Navy Federal has thoroughly reviewed our member 's concerns. No further correspondence will be sent regarding his Home Equity Loan nor will calls be made concerning the status of the account. '' XXXX  Responded : " You should receive an update from the company within the next  15 days, and a final response within 60 days. '' It has now been one year from the date of my complaint. Not only did NFCU never responded to me in 60 days, they never responded to me ever. 

I would like an update to my claim pursuant to the Consent Order, as I submitted ample documentary evidence of NFCU 's predatory and illegal debt collection actions against me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XX/XX/XXXX I went to purchase a new vehicle. They was to run my credit with the finance company that I had already finance my car with. A few days I am receiving multiple letters from different banks etc. On XX/XX/XXXX, I received a letter from XXXX XXXX. It states that XXXX , XXXX used my credit to make a decision. I did not authorize this company nor any other company to pull my credit. I do not know who this is. I have contact this company, with no results. I have XXXX to find out how I can get a better resolution. Hope this will be the best result. Thanks

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 11-04-2016 about Bank account or service (Other bank product/service) with BMO HARRIS BANK NATIONAL ASSOCIATION (IL).
Issue: Using a debit or ATM card

Complaint: On XX/XX/2016, at XXXX, I went to an outside ATM machine at BMO Harris Bank, XXXX, IL., to withdraw {$640.00} from my XXXX card. However, the ATM never dispensed the money, money never came out, though it gave me a receipt as if it had given me money. The next day I went back to the bank to speak with the bank Mgr. ; he told me that BMO do n't manage the ATM 's outside, though they have BMO 's name on them. So I contacted XXXX to open a claim. On XX/XX/2016 I got an email from XXXX informing me that the 3rd party vendor who manages the outside ATM 's at that location submitted documents that indicate the ATM 's showed no surplus. But regardless, the machine never gave me money that night, and I 'm very confident the bank 's and ATM 's cameras ( which I 'm quite sure they are equipped with ) will reflect 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 10/30/2015 about Credit card () with CITIBANK, N.A. (FL).
Issue: APR or interest rate

Complaint: I ordered new windows from Home Depot and as part of the sale they offered me a Home Depot credit card and said that I would get 24 months 0 % interest on the windows. The total sale was {$19000.00}. They failed to install the windows on the scheduled delivery/install day in XX/XX/XXXX, but despite this they still charged my card for the full amount and I was forced to make multiple payments on the windows I did not have and the interest free period began two months prior to when I actually had the complete items I was billed for. Home Depot sales man has done nothing to correct it other than say he will take care of it and that he is looking into it. It has now been six months and still no results. Any effort I make to complain to Home Depot is just routed back to the same salesman who failed to correct the problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation