milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-08-2015 about Credit reporting () with EQUIFAX, INC. (DC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have not received a final response from Equifax because they are not responding to me. After months of attempting to obtain my credit report, I have heard nothing since submitting copies of my identification over XXXX weeks ago. 

I have received multiple notifications from merchants that my credit card information has been compromised and have been attempting for months to get a copy of my credit report. The credit reporting agencies appear to be manipulating the system to make it very difficult actually to receive a report. First, I attempted to get a credit report from the website. One of the required questions was the exact amount of the payment on a car loan that was paid off more than ten years ago. Next, I attempted to order a report by telephone and was told by the system that I had to write in. Then, I wrote in and eventually received a form letter claiming that my address was unknown. My address is a house that I own and have carried a mortgage on for XXXX years ; the mortgage itself - with my home address - is surely on my credit report. The response is wholly implausible. Nevertheless, I wrote in over a month ago ( XX/XX/XXXX ) providing, as requested, a copy of my driver 's license and my Social Security card. I have received no response. 

Equifax 's conditioning the required free credit report on information no one would reasonably be expected to possess ( the amount of the monthly payment on a loan closed for over a decade ), the claim that easily verifiable information ( the address of a house on which I have had a mortgage since 2002 and for which I have all the standard utility accounts ), and the failure to respond even after I have provided all requested documentation following multiple attempts over months - all while I have been told by credit card processors that my information has been compromised and I should check my credit reports immediately - is inexcusable and, taken together, raises strong inferences of a deliberate attempt to comply in form with the requirement to provide credit reports while in practice making it as difficult and burdensome as possible to obtain those reports. I also note that I have been offered " credit monitoring '' and other paid services along the way ( for example, " Equifax Complete '' ). I suggest that the credit bureaus be prohibited from offering paid consumer credit monitoring services in order to remove the obvious conflict of interest giving them every incentive to make it difficult for consumers to obtain the statutorily mandated free reports and drive them to the paid services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-01-2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (NE).
Issue: Trouble during payment process

Complaint: XXXX XXXXXXXX XXXX is the company that this complaint is concerning. We have had this mortgage with XXXX XXXX XXXX since GMAC went bankrupt and sold the mortgage off to them. At the time OCWEN took over the mortgage they said there would be a ( balloon ) or deferred payment at the end of the mortgage or it would disappear after time if we make every payment and pay it on time. We have done this faithfully without missing or being late on any payment. Still the deferred payment exist and this is causing us problems with getting our house refinanced as we wish to do. Is n't there some way of making this deferred payment go away as OCWEN stated that they would do? And also there is a matter of XXXX XXXXXXXX XXXX increasing the Interest on our mortgage every so often and not giving us notice of any kind that they were going to do this. This has happened at least three times, if not more. Is this legal or should we be given the right to be notified when such a thing like this is going to happen?

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 08-12-2016 about Debt collection (Credit card) with CITIBANK, N.A. (ID).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I 'm still getting harassed by CitiBank through their automated phone call, to whit : XXXX on the average of 6 times a day. I 've already told them that they will get get what I can pay. They do n't seem to understand that. Is there any way that someone can get them to stop the phone calls? Please? 
Thank you for your 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 non-monetary relief
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: XXXX XXXX has failed to have my account reinserted in the credit bureaus after deleting this by error. It's been months now and I have gotten nowhere. They have basically been creating me a lot of hardship because my credit score is fair due to their error

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 03-01-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (FL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I put {$10000.00} into a secured credit card with Wells Fargo. After nearly XXXX years, they would not release the funds and extend my credit. 

I paid all my bills on time, I had XXXX fico and kept my debt ratio below 30 %. They would still deny releasing my funds and would not give me ANY reason for the denial. 

About a month ago I walked into Wells Fargo and needed my money back because I am going through a divorce. I told the banker they can either do 2 things. 

1. release my money and extend the credit. 

2. I close the account entirely. 

The banker advised 1 - me if I wanted to close the account it would take XXXX days. 

2 - for a {$400.00} fee they would release the funds for me today and extend my credit. 

I left the bank feeling like the problem had been solved even though I paid {$400.00} to have them release my funds and extend my credit. About a week later, I went to my online banking and saw that my secured credit card was maxed out and the credit had in fact not been extended. 

Now they have already charged me {$400.00} after misinforming me, and now a further XXXX interest fee. The bank advised me that I would have to pay {$600.00} by the XXXX if I want to stay in good credit standing. 

I NEVER intended to do a XXXX XXXX only to close the account if they were not going to release my funds and extend my credit.

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 10-07-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (WA).
Issue: Problems caused by my funds being low

Complaint: JP Morgan Chase allows for funds to be removed from your checking account to pay for payments up to XXXX this means that while you 're sleeping your bank account could over draft and it wo n't let you know until it 's too late to fix it. Chase has done this to my husband and I multiple times. 
It 's understandable to have overdraft fees, but to allow payments to be deducted from the account at night when people are sleeping or working and are unable to bring the account positive is just crooked. I check my bank account every night before I go to bed. Last night I had {$32.00} in it. At XXXX this morning I had $ XXXX. Because a check went through last night, at XXXX when I am physically unable tocorrect it because I 'm already asleep. Now Chase will not refund the money because I have had the maximum amount of refunds they allow. This is unfair business practice because I would n't have had so many fee reversals if they would stop charging me overdraft at XXXX eastern time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-08-2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I overpaid for my home. JP Morgan failed on my loan refinancing and loan modification. I am working on an assumption and was told to go to the local branch. The local branch stated they do not have a mortgage person in house that can help me at the   XXXX   XXXX   Branch in   XXXX    Texas. I want JP Morgan to reduce my principal balance and/ or not charge me for the next 6 or 12 payments. This is frustrating and upsetting. I want a local person that I can work with in the  XXXX , Texas area.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with PNC Bank N.A. (WA).
Issue: Loan modification,collection,foreclosure

Complaint: In 2014 my home in XXXX Maryland was foreclosed on by my lender ( PNC XXXX despite the fact that I received no less than XXXX bonafide offers from buyers that were willing to do a short sale. Additionally, during the foreclosure process I was not granted a mediation with PNC despite the fact that I properly and timely submitted a request for the same with the court. I believe that PNC acted in bad faith in the foreclosure process by rejecting XXXX short sale offers and by not taking into consideration that my legal rights were impaired as a result of not receiving a court mandated mediation. Instead the foreclosure sale proceeded and the home sold for less than what was originally offered by the prospective short sale purchasers. I sent XXXX letters to PNC recounting the situation and seeking to reach a mutually acceptable resolution. My first letter went unanswered and the second merely brushed me off in the traditional big corporate manner. The impact on my credit and tax consequences for the foreclosure have been very serious. I understand repayment of any deficiencies are my responsibility and I have made arrangements with creditors to true up my obligations. However, I am of the firm belief that PNC unduly enriched itself by proceeding with a foreclosure in lieu of other reasonable options which I presented them with in good faith. I am not asking for monetary remuneration however, I am seeking to have the foreclosure removed from my credit report. I have records to support all of my claims above and I am seeking the CFPB 's help here.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2016 about Mortgage (Conventional fixed mortgage) with ARVEST BANK GROUP, INC. (DC).
Issue: Loan servicing, payments, escrow account

Complaint: I changed primary bank accounts and was trying to update my automatic billing with Central Mortgage Company from the old account to the new account. There is no information about how to do this on their website ( there is almost no information on their website ). I tried calling their phone number and it was hard to every reach a person - there is no operator and automatic call system does n't cover automatic billing changes. Eventually, it took over 55 minutes to on hold to reach a person. That person told me to send my request along with my new bank account information over the " contact us '' form on their website. I was concerned because it did n't seem secure, but I did it any way. Central Mortgage Company never changed my automatic billing information, and the next month, my old account was overdrawn when the company charged for my mortgage. I called Central Mortgage Company again, and after 35 minutes on hold, I talked to a rude employee who emailed me a change of information for automatic billing. Because there is no easy way to be in contact with this company, I have no way of knowing if they will change my billing information or simply overdraft my old account again.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My credit report is currently showing serious delinquencies for periods during which I have previously requested a forbearance. Specifically these periods are : -  XXXX  thru   XXXX   XXXX   ; -  XXXX  thru   XXXX   XXXX  .     I have written to the lender many occasions and have not received a response.

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 05-09-2017 about Debt collection (Medical debt) with Thunderbird Collection Specialists, Inc. (AZ).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: To Whom  It May Concern, I called TCS, Inc. regarding a debt collection letter I received. This was a medical provider  who my stepdaughter had seen in  XXXX  of   XXXX  . My stepdaughter does not live with us and because her mother takes care of these things I never received ANY notice or bill to know that there was a later payment.   The letter was signed by  XXXX   XXXX  and he was also the person I was transferred to speak with regarding the account. I let him know that I knew nothing about this bill and I 'd like to see the information regarding the date of service etc. I also wanted to see any letters that went out previous to this to know how it could have gone to collections without any warning. He told me it does n't change the fact that I owe that amount, I told him I have a right to know this information before I pay. He started to get hostile and said that if I am going to handle it that way he would just not expunge the record on my credit regardless of whether I paid or not. I asked him if he was threatening me, he said " well that 's how it works, this is collections ''. I told him that he has violated the law and that is not how it works. He said he has done this 15 years and never broke a law. He threatened me again about payment and my credit and asked to speak with his supervisor. I was able to handle it with his supervisor.   Afterward, I spoke with the doctors office and they were upset about the debt collector treating me that way, they informed me that they had the wrong address for me and the address they had was not even a valid addr ess ( the bills they se nt were returned ). In any case, I do not believe this person should get away with this over an {$80.00} bill, he was hostile and abusive which violates the Fair Debt Collection practice. The company and  XXXX   XXXX  should be reprimanded for this behavior as I am sure I am not the only one.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hi I sent certified letters to all three credit bureaus with in the last three months and have not received a response.

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 03/25/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NV).
Issue: Loan servicing, payments, escrow account

Complaint: We have a couple additional questions for Ocwen Loan Servicing to answer truthfully and under penalty of perjury. The questions are pertaining to the Assignment of Deed of Trust dated XX/XX/2004 that Ocwen Loan Servicing created for XXXX. NOTE, multiple federal agencies stated that since this document pertains to our Note/Deed of Trust, we are allowed to request this information and this information is not considered proprietary nor confidential! 
1st, Did Ocwen hire XXXX XXXX XXXX to record this Assignment of Deed of Trust? 
2nd, What date did Ocwen send this Assignment of Deed of Trust to XXXX 
3rd, How did Ocwen send this Assignment of Deed of Trust to XXXX 
4th, How did XXXX record this Assignment of Deed of Trust, electronically, mail or in person? 
5th, Did XXXX. return the Assignment of Deed of trust back to Ocwen Loan Servicing? 
6th, If so, how did XXXX return this Assignment of Deed of Trust to Ocwen, XXXX, XXXX etc.? 
Please provide documentation on how this Assignment of Deed of Trust was sent to XXXX and returned back to Ocwen Loan Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Payday loan () with CNG FINANCIAL CORPORATION (CA).
Issue: Can't contact lender

Complaint: Collector keeps contacting job for an employee debit after we repeatedly requested for them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Mortgage (FHA mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (WI).
Issue: Application, originator, mortgage broker

Complaint: XXXX XXXX XXXX. After having this high interest loan for XXXX years my life insurance canceled. A XXXX XXXX loan in which I still owe XXXX XXXX. A second mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I first had received student loans through XXXX XXXX which is now navient. They had my payments very high and instead of lowering them the would tell me to file for student loan forgiveness. I 'm not even using my education because I have a very sick mom who has a XXXX XXXX and I give her alot of my money to pay bills on her house I live in as well including food etc ... I was told my loan was going to be much lower then it is and not only did it go up almost 10,000 dollars more then I thought, they are telling me after interest it 's going to double. The only thing that navient has done for me is made me current on my loan to do a student loans by putting all three loans into one to help with credit so I can sign up for student loans forgiveness again

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Mortgage (VA mortgage) with NEW DAY FINANCIAL, LLC (VA).
Issue: Closing on a mortgage

Complaint: We initially began the process of obtaining a refinance for our home around XX/XX/XXXX with XXXX XXXX XXXX loan company for Veterans. After being approved we decided that instead of refinancing we were going to purchase another home. This process began on or around XX/XX/XXXX. 
We found our new home, put in a bid, which was accepted, and subsequently put our home up for sale in XXXX XXXX. Each day our loan officer ( XXXX XXXX ) contacted us ( on his recorded line ) while we were working, for data and information, which was given with no issues. When they ( Underwriters ) found out that we own a business our personal information was no longer sufficient and they began requesting tax returns for the last two years ( XXXX & XXXX ), and W2s for XXXX. This information was requested s to see if our business had taken a loss even though our W2s showed an increase in our salary. They then indicated they could not accept the W2s for XXXX stating that as business owners we could have forged our W2s and  therefore requested our XXXX tax returns and profit loss statements on XXXX XXXX. We informed them that our taxes are not due until XXXX XXXX as we legally file for an extension every year which is on record, and would not be able to provide them. All W2s for XXXX were submitted to the IRS and we asked them to request the info needed from the IRS as verification. They indicated they don't due this and for that reason they will not service our loan. We began this process in XX/XX/XXXX and on XXXX XXXX, 12 days before our closing we were notified that they would not service our loan. Throughout this process we were continually told that there were no issues, while our loan officer went back and forth several times a day asking for more documents, info, credit ... etc. They cost us to lose our initial interest rate of 3.875 % because they did not lock in our rate. The rates are rising everyday and we now are subject to higher rates. At this time we are scrambling to find a new mortgage company to service our loan while having to be out of our home on XX/XX/XXXX. We will also be contacting a lawyer to look into this matter. Totally Unprofessional and Unethical. Not a good representation of how Veterans are handled.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Debt collection (Medical debt) with Medical Business Bureau (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: They are not able to validate debt Collection Accounts :  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX  and  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (NC).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: Wells Fargo and some of the other inquires kept running my reports

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 08-05-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I am a Victim of ID Theft I have a freeze on all of my credit files, I am concerned with my Experian file, I have never been contacted when companies are contacting Experian for my information. When I question at custom service they were very nonchalant about it. I was aware of XXXX inquiries yet I did not get any phone calls as to why or the confirm the inquiries. It makes me a little concerned and I want to feel protected because I was a victim with IRS. I am still very careful with my credit which is still damaged due to being a victim

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 04/29/2017 about Debt collection (Medical debt) with CCS Financial Services, Inc. (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: CREDIT COLLECTION SERVIC XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX Reporting to credit XX/XX/2017, Negative impact to my credit by credit collection services. I Requested validity of debt, including signatures, medical records, HIPAA form to release information to this company and valid contracts XX/XX/2017, no valid response recieved

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation