milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/16/2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (WA).
Issue: Struggling to pay mortgage

Complaint: loan  XXXX  I have attempted to get a loan mod with Ocwen so many times.   Have spoken with them numerous times There 's been no sign of a foreclosure Last week I was told that there was a sale date and I did n't no anything about it It was set for  XXXX  Supposedly its on hold now but not trusted so Could easily lose my investment with Ocwen and my home Would be horrible since I am recovering from a car accident and receiving  XXXX  There is a problem with the promissory note on my loan ; it has strange verbage that Ocwen will not acknowledge

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Account opening, closing, or management

Complaint: I signed up for Bank of America 's ( BoA ) free online checking XXXX years ago - {$0.00} fee checking account if I do not use the teller. Recently, without my consent, BoA automatically converted my account to a " Core '' account, which has a XXXX monthly maintenance fee associated with it. I only saw the change when I was reviewing my account statement, when the {$12.00} fee was automatically deducted from my balance. I was not aware of the change. BoA buried the change in one of their electronic notices, which they could not confirm that I received, much less read/understood. 

BoA 's policy preys on people who have low balance, and may not have the resources or understanding of their rights. If BoA no longer see that I 'm a profitable customer, it may be their right to cancel my account without my consent. But BoA does not have the right to charge me a fee without my consent and understanding. If banks are allow to do this, they can " bait and switch '' by signing customer up with attractive offer, and then change the policy without customer consent and knowledge to a high fee account. 

This case is different than low introductory APR credit cards in that, low introductory APR credit card disclose their rate hike after introductory period. In this case, BoA materially changed their policy without getting customer consent. BoA could have easily gotten the customer consent/understanding by displaying a simple message during an ATM transaction ( or other touchpoints ) and request customers to confirm understanding, or call their customers to notify.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received a notice from RPM that says they are trying to collect a debt I owe. The notice says I have ignored repeated attempts by XXXX to collect the debt. I have never had XXXX, and was never contacted about any debt. I have read numerous complaints against this company online - and a lot of them sound just like mine, even using XXXX as the company that is supposedly owed money. I am afraid to call them since most reports online say they are horrible, and harass and repeatedly call and threaten people, even when the debt is phony. It also appears that their bogus charges can appear on credit reports! I want to avoid any issues, since I do not owe anyone any money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Credit card () with WELLS FARGO & COMPANY (TX).
Issue: Advertising and marketing

Complaint: As an existing Wells Fargo Platinum Card holder, I applied and was approved for the Wells Fargo Visa Signature ( R ) Card with the promotion of earning XXXX rewards points on gas, grocery, and drugstore net purchases for XXXX months. I received the new Visa Signature ( R ) Card and just found out that the XXXX rewards points offer is not loaded to my account. In the terms and conditions of this product ( https : //www.wellsfargo.com/credit-cards/visa-signature/terms/ ), there is nowhere mentioned that the XXXX rewards points offer is for new customer only. I felt this is Bait-and-switch.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: A glitch that occurred with TransUnion caused all of my Credit inquiries to be deleted. Transunion later added them all back onto my credit report without giving me the legal required written notice 5 days prior to them re-adding them. I contacted transunion in good faith to ask them to remove the inquires that were illegally re-added. These inquiries add a hardship for me, and my rights were violated by transunion. I ask for your help in stopping transunion of victimizing 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 01/20/2017 about Credit reporting () with EQUIFAX, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Hi there. I have a dispute to report. I cancelled an XXXX XXXX card last year. Right before I cancelled it I paid the balance down to {$0.00} and was told that I did n't owe anything else on it. And the end of last year I was notified by Trusted ID from Equifax that an XXXX payment was overdue by 90 days. I was shocked to learn this. I think contacted XXXX about the matter. They admitted it was their mistake and brought the account balance back to {$0.00}. They also gave me a {$70.00} credit towards a bill on another XXXX card that I still have. They also said that they would tell each credit agency what happened and clear my credit of the mistake. I spoke to Equifax this week and they said that there 's still a late payment being reported for XXXX and XXXX of last year. Can you please contact XXXX XXXX and tell them to fix this matter? I take my credit score very seriously and it was in Excellent standing before this wrong doing. Thanks for your help and I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (OH).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage with XXXX was transferred to XX/XX/XXXX to Caliber Home Loans. I was not aware of this til XX/XX/XXXX of the transfer, effective for XX/XX/XXXX. I have never in the course of my mortgage contract missed a payment to XXXX, nor later Caliber. XXXX accepted my monthly payments and I noticed XX/XX/XXXX that my XX/XX/XXXX payments were placed into an UNAPPLIED CASH ACCOUNT. I went to XXXX in person, called and sent written communications to XXXX, then Caliber outlining the issues, without receiving resolution. XXXX refused to correct the mis-applied funds. Caliber XX/XX/XXXX demanded payments from XX/XX/XXXX and demanded that I also fund ESCROW. I had always paid my County taxes directly and had done so for XX/XX/XXXX. Double payments made, and the County sent the over-payment funds to Caliber. Add insult my account was not credited. Litigation was inacted XX/XX/XXXX since Caliber refused to apply my mortgage payments, instead placed all my payments into escrow and unapplied funds. A settlement was made and Caliber was to correct the account and make current by XXXX. They failed and refused to acknowledge the errors and apply the funds. I continue to make monthly payments which are not applied to date ( XX/XX/XXXX ). XX/XX/XXXX my checks are either returned to me with a note that they will not accept payment, or sometimes cashed but not applied to my account. I recieved a notice from a Mortgage Rescue company that made me aware that Caliber unlawfully filed for foreclosure, listed my occupied home for auction placed my home on the market for sale on XXXX, without notice or court approval. My attorney was contacted and Caliber refused through counsel to rectify. Law suit filed in XXXX XXXX Ohio XXXX for breach of contract, fraudulent mortgage practices, intent to defraud me of my home, XXXX, financial and personal damages. They have ruined my credit, caused me additional losses with taxes and deductions, unable to refinance or obtain credit due to the negative reporting, the stress and fear of losing our home. The attorney fee ( s ) over the last three years to fight this unlawful mortgage practice of defrauding homeowners. If you like a copies of the monthly communications to Caliber they are available, including the contact information for my attorney. I have checked and Caliber has been sued, prosecuted and repeatedly done this to homeowners. I am sure that XXXX has been swapping out Mortgages which is all part of the mortgage crisis created with the intent to defraud and divest honest homeowners. XXXX Bank sells the mortgage to fill their coffers, then gives to a collector like Caliber to literally steal the home since there is considerable equity.and low mortgage balance. I would appreciate your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Debt collection (Credit card) with First National Collection Bureau, Inc. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I was contacted by this creditor regarding a debt from 2003. I notified in writing this debt is too old to be sued for and I asked not to be contact regarding this debt. 
I was than contacted again by mail, which advise me to call. I explained to the creditor XXXX that they are past the statue of limitations to collect on this debt, and she advised me that they can sue, then she said they cant, then she stated that they would keep me in collections. I than contacted your office, and I an now submitting a complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
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: I disputed all of my Inquiries on my credit reports from XXXX and XXXX and they did not remove them. I did not authorize them and I need them off to be able to acquire other credit. I called, faxed and mailed disputes and they still are not removing them. The FCRA states that the only permissible purpose for pulling someones credit is for A. Firm Offer of Credit B. B. Insurance C. C. Employment D. D. Court Order

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (MA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I received a response in regard to complaint ID # XXXX, thank you. However, I noticed it claims I currently have a balance. The account was closed, please refer to attached and forward. Thank you ... When will this nightmare finally end???

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 10/28/2017 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (WA).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: On XXXX XXXX, at approximately XXXX hours, I was at my local XXXX attempting to buy cleaning supplies. Unfortunately, I learned at that time that my card was declined. I had just been paid XXXX days earlier, so I knew there was some mistake. I 'd been sick and my charges were very localized to XXXX XXXX, XXXX XXXX Now, my son 's lunch money account, and that pretty much covers the charges in these last few days. When I called NetSpend using the number on the back of my card, and was not given any reason why approximately XXXX had been removed from my card, unaccounted for, and why my account -- which was XXXX years old -- was shut down. 
Several Netspend customer service reps said that Netspend was not responsible and XXXX -- their cards ' issuing bank -- was responsible. For XXXX to XXXX hours on the phone, we were transferred to customer service reps who lied outright or prevaricated. At XXXX point, XXXX customer service rep purposefully forwarded us to XXXX XXXX which requires a card number to even proceed. Ultimately, the system hung up on us as we were on the line with a XXXX rep who was listening. We also had both reps on the phone and they were caught in various deceptions. 
We were told that a check with my money -- they talked to both me and my wife -- would be sent in XXXX business days, but according to other consumers, this may be a lie : XXXX XXXX XXXX When we finally received some sort of answer, we were told that his account was locked for fraudulent activity, which is a lie. We spoke to supervisor XXXX, employeed ID # XXXX, and she indicated that XXXX is not responsible but Netspend is. Netspend said the reverse was accurate.

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 04/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: A collection agency keeps re-aging an old account each time I speak with them about it. I 've been disputing the charges because I feel that I do n't owe them.. We had no settlement agreement at all.

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 08-12-2015 about Credit card () with U.S. BANCORP (MO).
Issue: Transaction issue

Complaint: I have a US Bank secured credit card with a credit limit of {$1000.00}. I accidently overpaid the credit card which was fine and that created a credit balance on the card. The US Bank website and XXXX app showed the XXXX payments, showed the credit balance and showed by " available balance '' as {$1500.00}. On Sunday XXXX XXXX I went to check into a hotel ( XXXX ) by US Bank credit card was declined. I used another card to check in and called the number on the back of the card for an explanation. I was told that there was a 7 day hold placed on my payments ( which was made on their website via ACH from a checking account ) and that my available balance was just over {$100.00} thus the decline. I asked why the hold was placed for 7 days on an ACH payment and they could not explain. I asked why the website and mobile app showed my available balance of {$1500.00} when it was n't and they said they were not sure that maybe it had not updated. But it had updated to show the payment. 
I asked the first person I talked to if there was any CFPB guidelines on the holding of ACH payments or on the reflecting of available balance on a website that was no actually available. It became obvious that the person did not know what the CFPB was. When I asked if he knew what the CFPB was he admitted he did not. I then ask him to escalate my call to a supervisor and I got " XXXX '', XXXX also seemed to have very limited knowledge of the CFPB or how to handle a customer complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NC).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I had a Citibank  XXXX   XXXX  credit card. After a year, the annual fee was charged to my account in the amount of {$95.00}. I call ed Citibank to close the account and was told I could change it to the Double Cash card which did not have an annual fee. I was told the annual fee would be credited back and the   XXXX    account would be closed. So I agreed and Citibank changed my card. However, they never credited me the {$95.00} annual fee so now my card has a past due amount of {$95.00} which was promised to be refunded since the account the annual fee was billed to has been closed. I have attempted more than 5 times to contact Citibank and each time their customer representatives do not understand the issue and have been completely unwilling  to listen to attempt to correct their issue.

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 01/16/2018 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (CA).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: I have had this auto loan since XXXX XXXX 2014. Every payment was made on time and I was never late on this account. On XX/XX/XXXX of last year, the car got totaled. My insurance company held the car. I made my XX/XX/XXXX and XX/XX/XXXX payments to remain current on my payments. However, the insurance company was going to be paying off the loan in XX/XX/XXXX of last year and I was told they would be paying off the balance of the loan and not to make a payment. 

The car was paid off but the car payment was made 18 days after the XX/XX/XXXX due date of XX/XX/XXXX. Wells Fargo put a 30 late payment on my credit report causing my credit score to drop 100 points. I called them and they admitted that the account was not 30 days late but only 18 days late as the final payoff amount was sent on XX/XX/XXXX of last year.

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 07/26/2016 about Credit card () with SYNCHRONY FINANCIAL (GA).
Issue: Application processing delay

Complaint: This letter is in response to numerous phone calls with Amazon Store Card and the Synchrony SCRA department concerning the end of my XXXX protection underneath the SCRA guidelines. The most recent was Friday XX/XX/XXXX, with their SCRA department. 

After I advised their office XX/XX/XXXX that I was retiring and was allowed 180 days of further protection I was informed that my interest rates would increase in regards to all XXXX accounts you currently hold for me but I could request a decrease and revaluation of my credit to possibly get a lower rate ; I was also told by Amazon Store card and the SCRA department via numerous calls that the interest rate would ONLY increase for NEW purchases not my existing balance. I have since discovered that my and Amazon cards have started charging me the higher rates on my prior balance which conflicts with what I was told. When I spoke with SCRA on Friday they yet again informed me of requesting a review of my credit reports to possibly get a lower interest rate. 
The company has been amazing with help since GE Money bank to current Synchrony excluding these XXXX MAJOR issues. I expect and was told that prior balances would be exempt from the higher rates unless I made new purchases which I have not. Please correct this issue ASAP and refund me the erroneous and inflated rates. I have always been on time and generally pay in excess of my due amount. An average increase of XXXX % increase is insane and unjust.

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 03/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (CT).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: OnXX/XX/XXXX there were a few transactions on my credit card. The credit card is with XXXX XXXX XXXX  those transactions were fraudulent transaction not made by me the company refund me and gave me credit .my problems is that one undecided to cancel my XXXX line credit card they reported me to the three credit bureaus unfairly. I have requested from them the statement of when i first reported the fraudulent activities but they refused to provided me with that information. The reason i asked for this is so i can summit a dispute with the credit bureau explaining those unfair late payment that were reported to the credit bureaus. My credit have decrease tresmendely due to their unfair practice it when from XXXX _ XXXX. because this happen to me i did research on XXXX XXXX   and they have done this too quiet a few of consumers. All im asking them is to contact the bureau and fix their wrong doing the transactions happen inXX/XX/XXXX i have a letter from them that i receive XX/XX/XXXXa year after i reported the fraudulent activities i keep going back and forth for month with them. the reason i am filling my complaint now is because i just saw the my credit report i never thought they will do this since those transactions were fraudulent which they determine are fraudulent. They refused to help me with papers work to get this of my credit i appreciate your organization help and please i hope one the investigation is done you can help other consumer affected by this dishonest practice of this company. The name of the company is XXXX XXXX XXXX and their phone number is 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 non-monetary relief
Consumer complaint received 03-03-2016 about Credit card () with CITIBANK, N.A. (VA).
Issue: Other fee

Complaint: I have been a customer of CitiCard MasterCard since XXXX. I have always paid my bill each month in full. My XXXX bill was due on XXXX XXXX, 2016. They received my payment on XXXX XXXX. When I received my statement in the mail today, I noticed that they have charged me {$23.00} interest. I immediately called them and asked them why they charged me this amount when the payment was received before the due date. The lady connected with me with a foreign gentleman. I explained the situation to him. My daughter explained the situation to him. He refused to take this amount off of my bill. How can a company charge you interest like this? Are they putting these charges on people 's accounts thinking that they will not notice it and pay it? I believe that is unethicial and not right! They need to be reported and held accountable for doing business in this matter!

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