milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/25/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Billing disputes

Complaint: Capital One 's Fraud Department sent me an email asking to verify possible fraud on my account. I was attempting to verify that it was fraud and accidentally hit yes on the email and then I attempted to call them once I realized that I had selected the wrong option and I was on hold for 45 minutes mind you. Long story short, Ive had fraud on my account, and I did not receive or benefit from any of the services. I know for a fact that my signature was used to sign for any goods or services and almost 3 months later they are trying to hold me accountable for fraudulent charges that I did not make. Charges were made to big retailers like XXXX and such and I have already closed account the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/26/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have had Ocwen for my mortgage since XX/XX/XXXX when they bought my loan from XXXX. It has been a complete mess ever since. I called for a payoff quote XX/XX/XXXX and then again XX/XX/XXXX. When I received the pay off quote in XX/XX/XXXX the pay off was higher than the one in XX/XX/XXXX, so I called Ocwen for clarification. After trying to speak with numerous people that have no clue what they are doing ... I hung up and called back and actually got someone with some sort of a brain. She preceded to tell me I was 4 months behind on my mtg. I said to her I have never missed a payment in 10 years so where are you applying my payment? So I found out that in XX/XX/XXXX my payment increased but they were not allowed to contact us due to Bankruptcy laws. So for the last 5 years we have been mailing in the wrong payment amount. I am in the process of closing on a new home in one week and because of this Ocwen is not reporting it at all on my credit and my new home is on hold! Ocwen is ruining this for a lot of people! So one needs to stop them ... this is why there are so many forclosures put there!

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I live in a townhome and the home next to mine ( XXXX XXXX XXXX XXXX, XXXX, FL XXXX ) has been abandoned for several years. The lender on that property is Wells Fargo and they have not completed the foreclosure process on the home. The problem I am having is that the home next to mine is uninhabitable and needs a new roof. Every time it rains the water from next door comes in through the party wall and floods my home. Sometimes I have had about XXXX inches of water running through my living room. Needless to say the dry wall, most of my cabinets and furniture have been ruined. I do not have a water heater because it was damaged with all the water coming in so my XXXX sons and I have been taking cold showers for months now. I also fear that mold is growing in my home. 
The same thing is happening to the neighbor on the other side of this home. We have tried contacting the bank and spoken to reps of the bank that have come to check in on the property all to no avail.

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 06-01-2017 about Mortgage (Conventional home mortgage) with DHI MORTGAGE COMPANY (MN).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: My wife and I are interested in buying a newly built home. The builde r is    XXXX   XXXX  .   XXXX   XXXX   will give you a {$5000.00} discount in closing costs, but only if you us e DHI Mortga ge even though they have A BUILDERS INCENTIVE AND CONCESSION ADDENDUM that states you can use any other settlement services provider . DHI Mortg age 's Interest rate is .50 % HIGHER than what I can get from a competing lender.   XXXX   XXXX   will not honor the {$5000.00} discount if we use another lender. The lower interest rate offered by the other lender will save us over {$31000.00} over the life of the loan.   This appears to be a " steering '' practice by the builder. I thought steering was  Illegal?  Now we stand to loose the {$5000.00} discount offered by the builder. Builders should not be allowed to penalize the consumer by simply choosing another lender that is not affiliate d with    XXXX   XXXX  . Why is builders sales rep allowed to stiff arm, steer, and guilt us into using their own lender. This must be stopped!! Any feedback would be greatly appreciated.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: Someone used my name and credit information to open a XXXX credit card at a XXXX ' in XXXX, LA at store XXXX on XXXX/XXXX/15. I called the fraud dept at XXXX and the card has been closed. I filed a police report in my town. I got in contact with the XXXX credit bureaus to put a XXXX fraud alert on my account. When I get the police report, I will extend this to 7 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Debt collection (Federal student loan debt) with AES/PHEAA (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In violation of federal law, FedLoan Servicing restricts repayment in various ways including but not limited to :   ( 1 ) limiting 8 electronic payments per month ; and ( 2 ) refusing to accept payments on weekends. The text of operative legal language is included below. Note that the law requires that borrowers be given to the prepay the debt AT ANY TIME. Therefore, FedLoan limitations are illegal.
685.211 Miscellaneous repayment provisions.
( a ) Payment application and prepayment.
( 1 ) Except as provided for the income-contingent repayment plan under 685.209 ( a ) ( 3 ) or the income-based repayment plan under 685.221 ( c ) ( 1 ), the Secretary applies any payment first to any accrued charges and collection costs, then to any outstanding interest, and then to outstanding principal.
( 2 ) A borrower may prepay all or part of a loan at any time without penalty. If a borrower pays any amount in excess of the amount due, the excess amount is a prepayment.   XXXX   XXXX   XXXX   Very truly yours, /s/   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Late fee

Complaint: My wife makes my payments for me online. She usually makes the payments the day they are due or the day before. She makes the payments online. I recently looked at my account and found that I was charged late fees even though the payments were made on the due date. I find it hard to believe that it is legal for a credit card company to take my money ( payment XXXX out of my checking account on the due date and post it the following day in order to charge me a late fee. Is this legal? I want them to credit my account all of the late fees they have charged me in the past year.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Credit determination

Complaint: Hi - My name is XXXX and I opened a Checking Account with Chase ( at the XXXX branch in downtown XXXX ) on XX/XX/2017. I was told by the banker that I could be approved for a credit card and hence agreed to apply for their Chase Freedom card the same day. The following week, I received a letter from the bank asking for my SSN card as well as photo ID proof to process the application for following which I submitted my documents at the Chase branch at XXXX in downtown XXXX on XX/XX/XXXX. I was assured by the banker at this branch that no other steps were needed for my application and I should expect the card in my mail soon. However weeks had passed and the only letter I received was one acknowledging the receipt of my SSN and that no other steps were needed for my application ( dated XX/XX/2017 ). Having not heard anything for a month, when I called the helpline numbers of Chase, they deny having received my documentation and tell me that I need to reapply, which would require another hard pull on my credit score. 
Had I not qualified, I would understand a rejection of my credit card application but having promptly provided them with all the information I had been asked for, I feel that I have not been treated fairly by Chase. There has been no communication and a lack of care and transparency from their end. 
I request you to look into the matter and take the required action. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (AL).
Issue: Deposits and withdrawals

Complaint: in addition to these XXXX complaints I`ve already sent you : 1. # XXXX ; # 2. # XXXX i went into a branch wells fargo branch in XXXX, al the teller`s name was XXXX, she dined me access to her card. she told me that i could not withdraw my remaining balance @ wells fargo in the amount of {$430.00}. this bank is illegally holding my money/funds from me, when i have had no access to swipe thier bank card for over 5 days now! they are illegally holding my funds from me! they also told me they were going to close my bank account & keep my money! thieves!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Company says they are Portfolio Recovery and calling me at work about a debt I am not familiar with. Continues to call after I requested they not call me.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Credit reporting () with FACTUAL DATA CORP. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Every time my credit report is obtained it always shows a different balance and different dates, it has put a complete hold on my future because of this incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Debt collection (Credit card) with NORTHLAND GROUP INC (PA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I had a outstanding credit card debt with XXXX XXXX. I was contacted by Northland Group XXXX debt collection agency ). I agreed to pay XXXX payments of XXXX to settle the acoustic in full. Upon settlement I was to receive a release from debt letter and upon settlement a deletion letter to credit bureau. As if account never existed. No adverse credit on report. Over two years later after I paid in good faith. Still on credit report terms of settlement not followed as promised. Contacted XXXX XXXX and Northland to no results

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-11-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: On XXXX XXXX, XXXX my checking account was charged a {$12.00} monthly maintenance fee, something I have never been charged for years. I immediately tried calling Bank of America by phone but the wait time was over 30 minutes on three attempts so I went directly to the nearest Bank of America in XXXX, MD. I met with the manager and the banking assistant and I had requested that the {$12.00} maintenance fees charged against my account be returned immediately as I believe was fraudulently charged against my account and once it is returned to close my account. The bank closed my account without returning the {$12.00} maintenance fees and the manager stated he can not return the maintenance fees charged because I received a {$70.00} overdraft credit back in XXXX XXXX which I believe that credit should not have had any affects on my account in the future and this does not justify their reasons to start charging my account a XXXX XXXX monthly maintenance fees. In addition, I made it clear to not close my account without returning the {$12.00} first but she did it any way. I should have received a total of {$12.00} refunded back to me but did not receive anything in return when the bank closed my account. Charging these high maintenance fees I truly believe is a violation of the banking laws to not notify the customers upfront that these fees will take place prior to applying them and withdrawing fees from my account.

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 08-08-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/18/2017 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (FL).
Issue: Managing the loan or lease

Complaint: I purchased equipment from retailer HH Gregg on XXXX XXXX, XXXX total value {$4000.00}. I paid {$2000.00} cash and the balance of {$2000.00} was financed through Synchrony at 0 % interest. Representations made to us at the time in store were that Synchrony would establish a payment plan at a level such that the entire balance was paid down to {$0.00} before the promotional period expired - thus no interest would ever be charged. We appear to have been deceived as a deferred interest charge of {$1100.00} was applied to our account on XXXX XXXX, XXXX. This only came to light recently as we have not received any hard-copy correspondence, email or calls from Synchrony in over 2 years and so when I noticed an ongoing payment to Synchrony from our bank account we undertook an investigation. 
In my letter of XXXX XXXX, XXXX to Synchrony I enclosed a check for the balance of {$870.00} which was outstanding immediately prior to their application of deferred interest clearly annotated " FULL SETTLEMENT ''. Synchrony deposited this check. 

Please would you kindly investigate. 
Thank you. 
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 monetary relief
Consumer complaint received 04/19/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I paid ditech extra money to set up my mortgage payment on an automatic withdrawal from my savings account. this withdrawal was to take place bi-monthly. Twice now ditech has withdrawn the wrong amount or no money at all. The first time this happened they did not take out any money and assessed a fee. a week later they attempted to take the mortgage payment plus the fee. Not once but three times causing my bank to assess me a XXXX fee for each occurrence. Ditech representatives told me in multiple phone calls that my overdrafts fees would be reimbursed. They never so. This month on the XXXX of XXXX Ditech was again scheduled to take half of my monthly mortgage plus and extra XXXX for the principal. This withdrawal was never made and a XXXX fee was assessed for non-payment. After numerous phone calls over a period of days I was promised that this situation would be resolved and the non-payment fee removed from my account. Friday the XXXX of this month I received what amounted to a collection notice from Ditech for non-payment and an addition XXXX in fees had been assessed for non-payment. Thus far I have made several attempts with Ditech representatives to resolve this ongoing situation. Every supervisor I have talked to has said that they would make a 'Request ' to their supervisor to get this situation resolved. Thus far nothing has happened and I am now in fear that Ditech maybe trying to set me up for a foreclosure. My wife and I have good credit. We pay extra on the loan balance in order to pay the loan off in a shorter amount of time. and we have never missed a payment. the fact that Ditech is assessing non-payment fees and sending me collection notices after their own refusal to take the money out of my account as they have done so for many months in the past is fraud

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Credit reporting () with Ability Recovery Services, LLC (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Ability Recovery Services has inserted this account on my report and have not sent me a dunning letter or any notification that they were attempting to collect a debt. This is in violation of my consumer rights. Additionally, this is a collection company of which I have never heard of nor ever did any business with them. How then are they reporting that I have a 1-month term with them? How do I have a balance and a past due balance with them when I have never heard of them. This account is inaccurate and unverifiable. It should be deleted from my report immediately. 
This company has not sent any not even 1 piece of information to my address. I only noticed this account on my credit report when I pulled it. If they sent me something to indeed prove this then why did n't they include it with their response. This company is lying and in direct violation of my rights. I sent them a letter on XX/XX/XXXX. How then did they send me a letter in XX/XX/XXXX and XX/XX/XXXX yet they just reported this account in XX/XX/XXXX. It is obvious they are lying. I am requesting that this account be removed because they are in no way telling the truth. Had I received any documentation from them, I would have disputed prior to XX/XX/XXXX. I have a credit monitoring service that notified me on this day of this account being added ; hence, my reason for disputing with them in writing on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Mortgage (Conventional fixed mortgage) with Neighborhood Assistance Corporation of America ("NACA") (GA).
Issue: Application, originator, mortgage broker

Complaint: I applied for a loan through NACA in XXXX of XXXX. They pulled my credit three times that I can see on my credit report. In XXXX, the mortgage officer said that he was working on getting my loan approved but there was some policy change that was about to come into effect that may affect the amount I was approved for. He assured me that he had a copy of the NACA policy stating that unreimbursed employee expenses should not reduce the amount approved for. In XXXX, he provided me with a qualification l letter for the amount requested ( attached ). In XXXX, after searching two months for houses and finding the one, I reached out to get an approval letter for the property to start the contract process. He responded back with the letter, but said that new policies are now an effect requiring the employee expenses to be taken out and this will affect affordability ( email attached ). But he still provided me with the letter ... also attached. I reached out to the National NACA director, XXXX, via XXXX, and he responded back that there should be an exemption process. When I provided this information to the XXXX Office director ( After camping out in the office when he would n't return my calls/emails ), he said that XXXX XXXX was incorrect and that the policy had been in effect for years. I showed him the email from the mortgage office in his office saying that it was a recent policy, showed him the letters, my income, etc. He said that I should have never received a letter to begin with for that amount and that he 'd call me the next day. That was in XXXX. I have not heard back since. 

I want all NACA inquiries removed from my credit. I went through NACA before to get a home in XXXX, and it was not like this. Something shady is going on in that office.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Debt collection (I do not know) with Capital Management Services, LP (ME).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Capital Management Services called our home phone and also my husband 's cell phone. I called them back and they asked my name. I asked who they were looking for. Again they asked my name. I told them. The woman said there was a personal matter with me. Then asked my middle initial and the last XXXX of my social. I asked what this was about. She said they needed to verify who they were speaking with. I refused. She said she had my info. I asked what it was. She refused. She then asked me what my birthday was. I asked what the call was about and she would n't tell me. She told me I was not cooperating. I asked what this was about again. She would n't tell me. I told her not to call my phone again. I have NO idea who they are looking for and or what the call was about.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: This account I have disputed this account but it appears on my file still.

The original dispute took longer than 30 days for the merchant ( XXXX XXXX ) to respond. It has since been on my credit longer than 7 years. The company keeps changing the dates which extends the date that this should fall off.

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