milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-06-2015 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (CA).
Issue: Managing the loan or lease

Complaint: We took out a loan, that was advertised as no interest loan from GE Capital, now XXXX Bank. We set up the loan to be paid within the time frame they provided for no interest. In the middle of our loan term, my wife noticed that they had automatically adjusted the amount we were paying, lowering it. My wife changed the monthly payment amount back to our original monthly payment amount. In XXXX we had {$180.00} remaining balance. The next month we were hit with a {$2100.00} interest charge, because our promotional period had ended. We never missed a payment, and the only reason the 3 year promotional period ended was because they changed our payment amount, and it took us 2 months to notice, and change our payment amount back to our original amount. I believe that this company purposely, and deceptively changed our payment amount in order to ensure that the promotional period would end prior to us paying off the loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-09-2017 about Payday loan () with U.S. BANCORP (TX).
Issue: Received a loan I didn't apply for

Complaint: I received a text from this company saying they were US Bank and I was authorized a loan amount of {$9000.00}. All I needed to do was call his number. Well after what just happened to me I XXXX this info and got the actual bank finding out there was no branch within XXXX miles of this state we called the number conference call and questioned him as to the validity of his claims to being a member of this bank. He then got belligerent with myself and the actual loan officer of the real US Bank and hung up. He did not get money from me I have already closed my checking account do to the previous fraud so I am reporting an attempted fraud by this fraudulent company.

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 10/26/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I did a dispute on a company on my credit with information showing it was a false report and they failed to respond to credit reported from XXXX for a XXXX housing authority she sent proof as well it was false reporting they failed to respond to me with in 30 days they said they sent it to my email but when I went to email and clicked on there link I was blocked from my account to check status then I called and they said I had to send originals of birth certificate and drivers license to prove identity I said not even so they said the can not release my account to check status not a copy an original This is the information showing all transaction took place as of XX/XX/2016 and we were moved out by the end of are 30 day noted and the credit reporting agency said ok but they did not contact company or respond to me so I called them and said they did not respond to me within 30 days and they said they didnt care and hung up on me 8 times. 
Then they sent it to the special handling unit and the man refuses to return calls or respond to the problem when I do get him on the phone he gets my name then hangs up he is the man in special handlings unite assigned to my account when they added a fraud alert I did not request. 
And when I sent the information showing it was false reporting same as what I attached to this complaint they sent it back and said the can not use this information so they are returning it to 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 01/22/2018 about Debt collection (Auto debt) with NAVY FEDERAL CREDIT UNION (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My ex wife and I got a new vehicle loan from navy federal credit union for XXXX. We purchased a XXXX XXXX XXXX for XXXX and XXXX after tax, title and licensing. My car note was XXXX dollars per month for 60 months. For the first 32 months I never missed a payment totaling XXXX dollars. I also traded in a vehicle valued at XXXX dollars. After the first 32 months I refinanced for a lower payment which was reduced to XXXX per month. I assumed payments and payed over XXXX dollars over the next year and a half. My payments totaled over XXXX dollars with a few late payments and nfcu still said I owed XXXX dollars for this vehicle. After getting divorced I called NFCU to relinquish the vehicle because I could not afford it anymore and they agreed to pick it up. Within the next 72 hours they said the vehicle was totaled and they would not pick it up and that I was liable for the amount. But, I had already paid over the amount for that vehicle and It was not totaled it was still fully functional.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Rewards

Complaint: I signed up a new Citi XXXX XXXX credit card on XXXX/XXXX/2016 with the promotional offer of XXXX XXXX points after spending {$2000.00} within 3 months. I spent {$2000.00} on the card in the first statement period and have not received the XXXX points after XXXX statement periods passed. Other banks post the bonus points at the month completing the spendings. I have waited for more than three months. My Citi XXXX XXXX credit card application ID is XXXX, and my Citi XXXX XXXX credit card 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 explanation
Consumer complaint received 05-07-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Unfortunately, about 6 years ago my loan was sold to Ocwen loan servicing. I always pay my mortgage on time and submit required insurance documents. XX/XX/XXXX, I received a letter requesting a copy of my mortgage insurance documents. I submitted this to Ocwen but received a subsequent letter so I called them. They told me they hadnt recieved proof of coverage. I asked Ocwen if any requirements had changed and they said no. This year my homeowners association changed insurance providers so I contacted my HOA to please send Ocwen the proof they were asking for. I went back andforth with Ocwen for a few weeks, when come to find out XX/XX/XXXX they are requesting an interior insurance policy. I only found this out once I got a letter stating they are charging me {$1800.00} for interior insurance!! I purchased a policy in XXXX, although this has never been required before but Ocwen is now refusing to return half of the premium to me since they purchased a policy on my behalf back dated to XX/XX/XXXX, before I even received the first letter. What makes things worse is now they are again sending me letter, saying I need flood insurance. Since my condo has flood insurance I requestedd my HOA send them all the documents and called Ocwen two weeks ago and they told me I was fine that they had my flood policy on file. This past week, XX/XX/XXXX. I received another letter requesting flood insurance. I again called Ocwen, only this time was told that my existing flood policy covered the building but not the interior so I would need to purchase a policy or they would purchase one for me. Ok clearly I see that my mortgage company is running a money making scam here. They are forcing me to purchase high priced policies never before required. Why do I need an interior flood polucy when I already carry XXXX insurance policies on my XXXX bedroom condo, in excess of {$400.00} per month, and I live on the XXXX floor!! When I call to ask them, the first few times they assure me I have proper coverage, then they change the story later only to ensure they can slap me with a backdated policy and scam me for thousands. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX Account : XXXX is a fraudulent account and has been disputed with both the creditor, The collection agency representing the account, and the XXXX major credit bureaus. I have provided proof of identity theft report filed by local law enforcement agency to all entities mentioned. The collection agency XXXX XXXX has since remove the collection account however, the creditor itemized account in association with this collection is still listed as a " charge off '' with transunion. I have disputed this item with the credit bureau Transunion and was advise that they were able to verify the information as accurate with the XXXX XXXX. I have contacted XXXX XXXX directly regarding this issue and was advised that the account does not exist in their database system and was an investigation could not be filed since the account does not exist in their system. I was then referred back to the collection agency to handle this dispute. After speaking with the colleciton agency XXXX XXXX today, I was told that they have do n't their due diligence by removing the collection entry. I was further told that they only handle reporting issues generated on their end. Needless to say, the item is still listed on my report by XXXX and I am disputing it once more.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/15/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax and XXXX are reporting my Home Equity Line of Credit debt / balance as " Revolving Debt. '' However, they are not reporting my HELOC credit limit as part of " Revolving Credit. '' As a result, my credit report from these agencies shows Revolving Credit Usage exceeding 100 %.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Debt collection (Medical debt) with Suburban Credit Corporation (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Hello, I visited the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Virginia in XX/XX/XXXX for a quick medical check, after waiting for 5+ hours at the emergency I could finally see a doctor and was only told that I " needed to see a specialist '' and left. The hospital later billed me about {$500.00} ( ca n't precisely remember the amount $ ). As I was a XXXX overseas at the time, I submitted a financial aid to the hospital but never heard any response from the Emergency until after I came back to the US the following year in XXXX and called them to pay my bill not knowing that they had already approved my financial aid request. I was told over the phone by an agent from their billing department that owed nothing! Now, after more than 2 years I 'm getting this bill from a debit collector " Suburban Credit Corporation '' claiming that I owe them {$420.00}. I keep contacting the hospital about this and they 're saying they ca n't find any track or record of me being owe to the hospital and the debt collector already has my full name, Address and the last 4 digits of my SSN pus the date I visited the hospital. This bill has already affected my credit and unfortunately I 'm not in a great shape financially to afford a lawyer or paying this foggy bill at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: The university double charged for the same courses and applied to credit account. without communication to allow for default or forbears.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2015 about Bank account or service (Checking account) with OLD NATIONAL BANK (IN).
Issue: Deposits and withdrawals

Complaint: I have a Checking Account at Old National Bank. The balance in the Checking as of yesterday was a positive {$1.00}, but after looking today the account balance shows a negative balance of- {$5.00}. Old National bank did not inform me of the Service Fee that they apparently took out on XXXX/XXXX/2015. The account also did not have any overdraft protection which meant that the account would not go into a negative, but now however the bank got me in the negative.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Submitted a letter of dispute to this company via certified letter and never received a response back from them and they continued to report the same disputed information on my credit reports without noting that I was disputing the information.

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 04/14/2016 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I received are County tax bills that we 're supposed to be sent to the lender. I faxed them to Freedom mortgage on XXXX XXXX 2016. XXXX bill was paid on time, XXXX was not paid so I called them on XXXX XXXX 2016 which was the due date. They told me that they did n't have record of the XXXX tax bill and I should send them the fax that I sent them, via email. I contacted them via email on XXXX XXXX 2016 with the documents they requested attached to the email. I received a response the same day saying that they received my email inquiry and that they would respond to it. On XXXX XXXX 2016 a letter was sent via USPS stating they had received my inquiry and would respond within 30 days. I called them on XXXX XXXX 2016 they told me that they were still reviewing the information. On XXXX XXXX 2016 the amount for the property taxes was deducted from my escrow account, the amount was a second time on XXXX XXXX 2016. I contacted freedom XXXX XXXX 2016 they informed me the taxes have been paid twice, they could not tell me why they paid them twice and would not refund the money they erroneously removed from my escrow account. The taxes have not been paid to date in the treasurer has no record of correspondence from them.

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 05-12-2015 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (MN).
Issue: Loan modification,collection,foreclosure

Complaint: I have lived in my home for XXXX years. In the last XXXX years I have had personal hardship. I lost my business of XXXX years. I went thru a divorce after being married for XXXX years. I also had a bout with XXXX. By grace I was able to keep my head above water. I know have means to pay my bills. I have a loan with Carrington that I am behind on. They are foreclosing on my home. I have funds to pay my monthly payments plus a little more. I have enclosed my bank statements showing I can do so. I just can not pay thousands every month. At least right now. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with National Credit Adjusters, LLC (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have sent out letters to credit bureaus for accounts that I did not recognize and those reporting incorrect information. I have not received any correspondence from the companies or credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Other financial service (Money order) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Lost or stolen money order

Complaint: I bought a money order from XXXX XXXX to pay a bill. When I found out that the payment had not been credited, I traced the money order and found out it had been stolen and cashed, and that the thief had changed the name of the payor and the payee. I filed a police report and completed all the paperwork XXXX XXXX asked for in order to get the money order replaced. Then XXXX XXXX sent me a letter saying they had filed a claim on my behalf with the Bank of First Deposit ( Bank of America ) and that Bank of America had not responded, so XXXX XXXX was closing their investigation and that I should contact Bank of America. I contacted Bank of America, but they said it had nothing to do with them and that I had to go back to XXXX XXXX. When I did, XXXX XXXX told me I had to go to Bank of America.

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 12-01-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Unsolicited issuance of credit card

Complaint: I was preparing to 'DISPUTE ' the results of [ Case # : XXXX ] company 's reply but it 'timmed out ' and now I get a message saying the account has been disabled. ( I first reset my password, read the response, it timmed out, now I can not access it. )

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 04/15/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 120 days past due as of XX/XX/XXXX 90 days past due as of XX/XX/XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I contacted Equifax on the XX/XX/XXXX.. in reference to a open collections for leasing management company and for a public record for the same account. I placed a dispute asking for verification of debt..validation of debt as well a list of charges. I also stated that the amount are inaccurate, and how could the public record amount for {$1500.00} in which I was court ordered to pay. The collection account balance over exceeds the amount ( {$4700.00} ) from the same original creditor. The results of my disputes are listed as verified and still remains on my credit file. 
I also requested from the creditor a validation of debt I have never received anything in writing from the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Once again, my mortgage company, Caliber Home Loans, has failed to pay a tax that is covered by the escrow funds I pay. Once again they will pay this tax late resulting in late payments that my account has to cover.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Payday loan, title loan, or personal loan (Installment loan) with WELLS FARGO & COMPANY (WA).
Issue: Charged fees or interest you didn't expect

Complaint: On XXXX/XXXX/16, I called Wells Fargo and made a payment over the phone as I did not have time to set up auto pay at my bank. They took my Debit card info and I have confirmation # XXXX. The I set up auto pay for the payment to come out the XXXX of each month to make it to Wells Fargo by the XXXX Due Date. Mid XXXX I got calls morning, noon and night. I answered at home, and was told by this gentleman that my payment was due, I told him I had auto pay, he said well no payment has been received, and I got on my computer and to find out, for some reason the payment for XXXX did not go out, my bank did not know why either. So I tried to pay it, he refused to take my debit card! He said he would only take my bank routing # and account information from my checking account. I told him I do not have checks! I do n't use them and do n't have this information. Well he was not very helpful, and the calls continued. I have to work, and as I nurse, I work hard, and I called to complain, and I got someone and told them what happened and then the bank payment went through on the XXXX. So XXXX I was late by what, 11 days. Then moving forward, all my payments were EARLY! Then I kept getting charged late fees, then they charged some sort on Interest On Purcharses of which there are none! This was a roofing contract for a specific sum, for a 36 month, No Interest loan! They then cancelled the first card, initiated another one and I still kept up and paid early! I finally had enough, called again, tried speaking to multiple people to stop this insanity. Finally recently a person named XXXX, reversed several late fees, but they still added one right back right after this, I paid on XXXX XXXX and on XXXX XXXX, they charged me a Late Fee!! AND, still charging interest on something called " Interest on Purchases '', but there are none!!! What kind of insanity is this? This is so wrong, immoral, unprincipled, worst customer service ever, then ... .THEN, I get a notice that they had reported a Negative Report on my and my spouse 's Credit Report on all 3 Bureaus '!!! For being 2 months late!!! We are not late!!! We are not missing any payments!!! They will not listen, they will not reverse this, this is not acceptable. So today, I went to my bank, got a cash adavance and paid {$3200.00} on the {$3200.00} balance, and I am done! I do not and will not do any business with them every again!! This is the worst case of fraud, should be illegal activity and worst treatment of customers ever.

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 12/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do not have any knowledge of the debt that is attempting to be collected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation