milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/16/2015 about Debt collection (Credit card) with Financial Credit Service, Inc. (MD).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have been contacted repeatedly a woman named XXXX or XXXX XXXX who leave the following message. 
XXXX '' I am contacting you regarding an urgent federal matter out of XXXX XXXX [ XXXX ] County. Our firm sent you notification in regards to filiing case XXXX. At this time a decision will be rendered on your behalf with or without your consent. " I have looked up the numbers, which are related to a company located at the following address. It goes by different names, depending upon who calls, but I believe it is the same outfit. 
XXXX XXXX XXXX XXXX, XXXX, IL XXXX : XXXX : XXXX : XXXX XXXX, PresidentThe statute of limitations has long expired on any debt I may have had in the past, and these people ignore requests to leave me alone.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (UT).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Early in XXXX I paid a vendor who submitted the payment as a cash advance. The amount was around {$31.00}. In XX/XX/XXXX I made 2 payments totaling {$1200.00} to Capital One which should have paid that small advance and stopped any cash advance interest. As of today I am still being charged for that cash advance in the highest rate of interest on the account. I called and spoke to two separate individuals requesting that they stop changing me that interest and they both said NO. The amount is small only about {$4.00} total but the fact that they have not abided by the CARD Act and used that very large payment to pay off that cash advance is not right. It is my understanding that any amount paid over the minimum payment due should be applied to the highest APR items on the account. Capital One should give me back the interest I paid since XXXX on the cash advance and apologize for not abiding by the requirements of the CARD Act.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: The school that I went to was n't accredited and they said that they would dismiss my student loans I called navient and they said that I can add a military push back I guess that 's what you would call it and they did n't do it at all I just received a bill from them I have XXXX loan with them but they report on my credit as XXXX different loans on XXXX different amounts I 've called multiple times and I get the same response they tell me that there 's nothing they can do they can set me up for a further date to start paying but they still send me a bill my account number is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Trouble during payment process

Complaint: CFPB and the Georgia Office of the Attorney General have been crucial in assisting and intervening so at the very least Ocwen Mortgage Servicing LLC can respond to their careless accounting methods. I filed a complaint through CFPB : XXXX and thankful to CFPB that Ocwen finally responded after a year of trying to speak and getting the run around with representatives at their company. For the most part, my calls were sent to XXXX and individuals who said or did nothing for my concerns. At the present time, in the belief that the situation had been rectified and resolved, in which I will attach the statement from Ocwen showing thus ; p I received a letter from Ocwen stating that I owe {$3000.00} and that I am in default. This is simply incomprehensible. Their latest correspondence dated XX/XX/XXXX is in complete contrast to their XX/XX/XXXX statement which reflects a credit balance of {$720.00} ( attached ). Once again, it appears Ocwen is not only discriminative and disorderly in practice on servicing this mortgage, but harassing and negligent. They have made calls to my home at XXXX XXXX in the morning in collection mode. I am not in default ; the mortgage payment due on XX/XX/XXXX is {$190.00} per the XX/XX/XXXX Ocwen statement credit which is less than the monthly amount due of {$950.00}. Once again, the credit for OVER payments made to Ocwen over the last year compensate for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX( partially ). Ocwen needs to check their accounting once again and stop the HARASSMENT and poor servicing of this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (VA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I have an XXXX XXXX Platinum card, and received an offer whereby I would receive XXXX XXXX XXXX for each person I referred for the same card upon them being approved. I referred my wife back in XXXX and she was approved instantly, but I have not received my XXXX points that were promised. The terms of the offer say it could take up to 10 weeks, but we are well past that now. I wrote to AMEX, and they said they would look into it, and the problem should be solved upon the next statement closing. My next statement has now closed, and I still have not received the XXXX referral bonus points. I would like the points deposited into my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Continental Finance Company, LLC (WI).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I was reported 30 days late on my credit report. Once looking into why I was 30 days late, I noticed many discrepancies on my statements from my XXXX credit card. First, I do not have any statements listed on my online statements tab. Second, on my Online Payment History records, I lists payments and then lists them as payment reversed. On my Transaction history it only lists the history for XX/XX/XXXX and XX/XX/XXXX, both months having payments. On the transaction history are two different descriptions for payments. I have withdraws that state " PAYMENT-THANK YOU '' with the payment withdrawn ( XXXX ), I also have " ADJUSTMENT-PAYMENTS '' but a payment not withdrawn ( XXXX ). The Transaction History and Online Payment history do not have the same payments/payments reversed/adjusted listed. There are also payments that are on the Online Payment history that were not authorized, XX/XX/XXXX of {$35.00}, XX/XX/XXXX a {$38.00} charge was reversed yet this payment was not authorize so there should not be a reversed payment and there is a random reversal charge of {$.00}. The {$130.00} payment made on XX/XX/XXXX show that payment was accepted, and covered my XX/XX/XXXX payment, late fee and XX/XX/XXXX payment. This payment is clearly listed and was not reversed as the other payments have been. There is another payments that were accepted and not reversed, the payment on XX/XX/XXXX. 
I made a {$35.00} payment ( which was accepted ) on XX/XX/XXXX but the next was made XX/XX/XXXX of {$35.00}, but this was reversed. the next payment made XXXX, for {$97.00}, on XX/XX/XXXX, is the {$38.00} reversed payment, the XX/XX/XXXX payment was accepted but the unauthorized payment {$35.00} XX/XX/XXXX was reversed. 

Even with the payments I was never 30 days late, however, I never received a phone call stating my payments were reversed. They froze my card until I XX/XX/XXXX the XX/XX/XXXX and XX/XX/XXXX payments, which I did, and was then able to use my card. However, based on the reversed payments. Techincally, card should still be froze, I should be more than 30 days late, my minimum payment and balance should be higher. 

I spoke with my bank, XXXX XXXX XXXX, who stated that they can't see any of these transactions on my statement. This resulting in my credit score dropping XXXX points ( via 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 explanation
Consumer complaint received 11-03-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My name is XXXX XXXX. My mother is XXXX years old. I have been handling her finances for the last 6 years, since she almost died from XXXX XXXX. Her mortgage company has been scamming her for years. OCWEN. I have filed numerous complaints to them and NOW you can not even reach an agent at all. They now are ONLY as debt collector. I supplement my mothers income monthly since she has limited income. Her mortgage was ( approx ) $ XXXX then escalated to $ XXXX then i was able to get them them ( at that time it was XXXX ) back to $ XXXX. This last year I applied for her for the HAMP program. Well now they are demanding over $ XXXX as well have been sending DELINQUENT NOTICES yet I have been PAYING HER MORTGAGE every single month? Where is that money going to??? 
HER ADDRESS XXXX XXXX XXXX CA XXXX XXXX am her daughter XXXX XXXX am authorized on her behalf for all her financials

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Debt collection (I do not know) with Credit Protection Association, L.P. (WV).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: " if this is not ( my name ) please call us back at XXXX XXXX XXXX to have your phone number removed from this account and discontinue listening to this message. This is Credit Protection Association calling concerning an important business matter. Please call us back at XXXX XXXX XXXX, please refer to account reference # XXXX. This is an attempt by a debt collector to collect a debt and any information received will be used for such purposes. Again, our phone number is XXXX XXXX XXXX, thank you. '' I received a voicemail with this message earlier. I googled the phone numbers and found only that it appeared to be spam. I did find a " possible '' connected website during my search, XXXX, and I entered the account reference # from the voicemail and my zip code, but it said invalid numbers. I then tried calling the number they gave, and after several automated messages, I finally got through to a real person. I gave the person my name, after I entered my " account reference number '' and simply asked her to mail me my bill, if I indeed had XXXX. She asked for my mailing address to access my account, and I refused to give her my address. She said she could be talking to anyone and could n't give any information regarding the account ; I said I did n't need any information and to send the bill to the address that she had on file. She became rude and then hung up on me. 

I know they have my name and phone number, but if I indeed have a debt and they 're legitimately trying to collect it, they would have my address, and I assume they would be a bit more professional. 

All I want from this complaint is to find out if I actually owe money, and if this is indeed a scam, to perhaps shed some light on it for future persons affected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/21/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Rec'ed Letter from Wellsfargo Bank N.A ., Disputing name of Employee " On Letter dated XXXX XXXX, 2015 ... Rec'ed XXXX XXXX, 2015, Name dose n't match Phone ID caller name..XXXX XXXX ... Wellsfargo Bank N.A . As So, I XXXX XXXX am the Payer on the FHA Loan for the XXXX XXXX XXXX XXXX XXXX Arizona, I have been victom of Wellsfargo 's banking practice 's, many times buy Wellsfargo Employee 's, its hiree 's as well

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: My husband and I separated in XXXX XXXX and settled support issues in XXXX County court in XX/XX/XXXX. Equitable distribution did not occur. We agreed in XX/XX/XXXX ( mediated by attorneys ) that he would occupy and assume all financial responsibility of the marital home as I moved to Florida with our daughter in XXXX and had rent and bills of my own. His agreement was to pay the mortgage, taxes, etc until divorce was final. The house was for sale but he passed on XXXX great offers and 3 years later unbeknown to me, he defaulted and filed bankruptcy 3 years after that. Since I did not live at the address and XXXX said ( after the fact ) that they could only mail to one address, I was unaware of what had occurred. I received no communication from my ex or XXXX! They continued to send correspondence to me via mail to an address that was years old. As my credit began to tumble ( credit cards, denial for car loan, etc. ), I ran a report and contacted XXXX to explain the situation and they treated me as if I was in bankruptcy and headed for foreclosure. My credit is outstanding ( minus my ex-husband 's default ) but since this default perpetrated by my ex husband was not removed from my report, I have been denied an SBA loan and HELOC to start my own XXXX. I am unemployed and need to have this removed from my report in order to regain my credit in good standing. I should negatively affected by this reporting on my credit. I am not protected under any bankruptcy and since finding out the gory details, I have moved to get this house sold to stop the foreclosure and expedite a short sale. I understand that XXXX XXXX does not recognize my legal separation or divorce decree, but a few lenders told me that laws have changed and if a letter from the " responsible party '' is presented, the credit bureau can clear this off. Please clarify. In addition, please help me to have this removed from my credit report while I am not proactively working as a mediator between my ex husband and the bank to recover the defaulted funds from a short sale- which I also DO NOT want or need on my credit report.

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 10/18/2015 about Debt collection (Medical) with Financial Corporation of America (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Debt validation was requested but collection agency never responded to request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: Update for OBM  XXXX   XXXX  I initiated a meeting with  XXXX  from  XXXX    XXXX   XXXX   months ago, to settle this matter out of court. She said fine she would call with a date and time. Since then, I called  XXXX   XXXX   XXXX  on  XXXX   XXXX ,  2017  at  XXXX    XXXX   asking for a payoff amount. On  XXXX   XXXX ,  2017  my vehicle was repossessed. without warrant. I 'm pretty positive  XXXX  had something to so with this.  XXXX  told me we would settle this issue and I was n't making anymore payments till then. I have never been late since my contract started! I have always paid on time, and they ruined my driveway, tore up the entire right side of my yard. Now, I still have n't closed on the property and it 's in Underwriting.   Her neglect has impacted my well-being. The   XXXX   in unbearable, affecting my health issues. They took my vehicle to the Auction the same day. I also asked  XXXX  who her  Superior was and she refused to tell me, stating she did n't have one.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Credit card () with WELLS FARGO & COMPANY (VA).
Issue: Delinquent account

Complaint: This company is in direct violation of 15 U.S. Code 1681s-2 - ( Responsibilities of furnishers of information to consumer reporting agencies ). I was never notified within the allotted 30-days prescribed by the FCRA, in writing, of any negative information ( late payment ) being reported to the XXXX credit bureaus ( XXXX, XXXX, or XXXX ) regarding 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 non-monetary relief
Consumer complaint received 04-05-2018 about Payday loan, title loan, or personal loan (Payday loan) with Enova International, Inc. (CA).
Issue: Was approved for a loan, but didn't receive the money

Complaint: First of all who the heck is XXXX XXXX. They are asking me for personal information I am not comfortable with and that is why I contacted the FTC. I also had someone call me claiming to be from the IRS and my wife called them back and the were with XXXX XXXX so may be instead of harassing me you should check your employees. 

They have my wife 's number and they have a work email that she has not used for awhile. Usually only junk comes through on this email. 

My wife has a business account that you tried to access, nothing came through. We were notified right away.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Student loan (Federal student loan servicing) with GREAT LAKES (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: On XXXX XXXX, 2016 I submitted a payment for my remaining loan balance of {$1500.00}. This resulted in my loan being paid off. On XXXX XXXX, an additional {$500.00} was deducted from my account, which is the regular ACH payment that I had set up. I contacted customer service to ask them to release the funds back to my bank account and I was told that I would have to wait up to 30 business days to receive a check for the stolen funds. 

The Payment Request notification that I received states : " You 'll receive credit on your account as of the payment date listed. '' If my loan was paid off, and showed to be paid off, then why has Great Lakes continued to fraudulently deduct money from my account? 30 business days is entirely unreasonable, especially when Great Lakes is in the wrong. My account should be credited immediately. If that is not possible, a concerted effort needs to be made to issue the check immediately to mitigate my loss. Great Lakes had no problem charging me a daily interest rate of 6.55 %, but seems to think it is acceptable to drag their feet for up to 6 weeks and hold onto my money interest-free! 

When I asked customer service to reverse the payment, they said that only my bank could do that. I contacted my bank and they advised that Great Lakes initiated the ACH, so only they could reverse the payment. It seems that Great Lakes is intentionally failing to take action in order to maintain control of the funds that they took without authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing disputes

Complaint: My Macy 's XXXX card was used to make fraudulent charges in XXXX of 2016. Someone used t apporx. 5 times to purchase amazon gift cards. I made a complaint and within days the charges were credited to my acct. 
Macy 's closed the acct for me and set up a new XXXX. On XXXX XXXX, 2016 I purchased items at Macy 's in XXXX, XXXX 
When I received my statement I noticed that on the same day I was physically in the store in XXXX, XXXX that someone purchased something in XXXX XXXX XXXX, XXXX at Macys with my acct in the XXXX of XXXX. 
I called again, they closed the acct changed it to now a third acct. They said the check was in the mail. I said great, please close this account all together bc I do n't feel comfortable with the amount of times it 's been taken. They closed it, I have yet to get a check. 
I have called customer service 5 different times each call lasting approx XXXX120 minutes. I have yet to get the credit to my acct. I have been told the check is in the mail. I have been told the credit will show in XXXX to XXXX billing cycles, I have been told to call back and I have been disconnected by them. 
Today is the 6th time I called, 1st the fraud dept. waiting 48 minutes and they finally said the credit is on my old acct that I closed. It will take a while to send you a check. I was directed to call customer service to ask them to expidite sending me the check. 2nd call today 64 minutes. in length. I was told that the credit was given however bc there was a charge on the acct it should be just a zero balance. I explained how I have automatic payment and the card got paid off before ever receiving a credit, so I actually paid for the fraudulent charge. She directed me to call Fraud ... .the Dept I had previously talked to today for 48 minutes. I explained that I had been directed to Customer Service to haave the credit from that card sent to me. SHe put me on hold for 12 minutes, came back and said that she 's requested the check, however I have herd this before. I JUST WANT MY MONEY BACK. I WILL BE HAPPY NEVER TO STEP FOOT IN MACY 'S AGAIN AND HONESTLY XXXX XXXX SHOULD BE EMBARRASSED TO HAVE THEIR NAME ON A COMPANY 'S CARD THAT DOES N'T PROTECT THEIR CUSTOMERS. HELP!!

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 10-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I noticed a collection on my credit report I did not recall or remember. I sent them XXXX letters and they just simply sent me a response stating I owe them the debt. Pursuant to the Fair Debt Collection Practices act there must be a contractual agreement and they have failed to provide this. Tried calling and the number was disconnected. Tried disputing with the credit bureaus and having little luck there.

Company response to consumer: Closed with explanation