milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/16/2015 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (LA).
Issue: Deposits and withdrawals

Complaint: The bank is still putting the large amount first. My funds were not low when I had a deposit came in which the money should not been charge but taken from my account. I told XXXX XXXX that I wanted my money back. The case number is XXXX. If I had not money in there to cover it, it would have been alright then. My money was in there the night it was pending so there should not have been an overdraft and this is how they get their money. I do n't agree with the bank response. I want my {$72.00} back and told XXXX XXXX that and she said that she would get back with me but never did.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a collection notice in the mail on XXXX/XXXX/16. The bill was on behalf of XXXX XXXX. I moved out on XXXX XXXX 2016. We asked XXXX XXXX to do a walk through but they refused. I received no other contact from XXXX XXXX. When I received the collection notice I called XXXX XXXX at XXXX on XXXX XXXX. I was informed by the representative that after 45 days my debt is sent to collections. I informed the representative that the letter was received XXXX XXXX. It had not yet be 45 days. Then her story changed to after 30 days that I would receive a collections notice. I then informed the representative that it had not yet been 30 days. She then offered to send the bill again, refusing to acknowledge the endangerment f my credit and XXXX XXXX 's unprofessional practices. I advised her that I would pay this bill, even though I do n't know what I am paying for and filing a complaint with the XXXX. The collection notice was not from XXXX XXXX and was addressed to myself and my XXXX year old child, not the other adult on the lease. 
I had to call the collection agency 5 times before someone picked up. I also left a message. The collection agency then told me the name of my XXXX children that they had listed to collect the debt from. Myself and my children 's credit can be affected and I never even received a bill as to what I 'm paying for. I spoke to XXXX XXXX extension XXXX. He informed me that he received the debt information from XXXX XXXX and I Q Data input the erroneous information into their database.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: My credit report on experian.com is showing under my personal information that I have an alias called " XXXX XXXX ''. That is not my name and I have never used that name in relation to any financial legislation. I have witnessed this false information on experian.com under my credit report on X/XX/17.

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 09-04-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I am filing this complaint against Ocwen Mortgage Services for misleading advertising and, moreover, for the mishandling of my mortgage Loan, neglecting to pay my homeowners policy from my impounded funds, destruction of my credit rating, personal financial damage and extreme XXXX. The deplorable reputation of Ocwen is no secret to those in financial circles but when their immoral business practices are up close and personal, it begs the question, why are these people still in business or at least why are they not sanctioned for a slogan that says " Helping Homeowners is What We Do. " 1 ) XXXX, 2015 Ocwen failed to pay my homeowners insurance causing it to be cancelled. After more than two months of lies about the payments being sent and numerous 3-way calls with the insurance agency and Ocwen, over two months later the agency received payment and the policy was reinstated. 
2 ) XX/XX/XXXX and XXXX, 2015 Ocwen failed to acknowledge XXXX mortgage payments from my bank bill pay account which were paid on time. After providing them bank documents, they acknowledged the XX/XX/XXXX but not the XX/XX/XXXX payment. Due to the extended time period my bank advised I place a stop payment on payment while the situation was reviewed and replace the payment. I complied. Meanwhile, I expressed my desire to work with Ocwen to resolve the issue so that my excellent credit rating would not be affected. I was lead to believe over the next two months that a letter would be generated internally for use with the credit reporting bureaus to mitigate any damage to my report by noting my consistent on time payment record and acknowledge a system error in funding my loan. After countless phone calls to various levels at Ocwen in their " escalation department '' I received a letter noting they ultimately considered the payment 30 days delinquent. Not only has this destroyed my credit rating I have worked my life to protect, it has impacted my ability to refinance and financially. Moreover, if I would be successful in a refinance opportunity I would now pay a higher interest rate. 

When Ocwen took over my loan from IndyMac I had no say in my loan being sold to Ocwen, Problems at the onset of their takeover, included three months for Ocwen to get my payment process resolved from the previous company. Again, there were no acknowledgement of payments that were transferred from IndyMac to. Ocwen. Ocwen came after me with threats while IndyMac maintained Ocwen had received the payments and had the dates to prove it. I was a victim then and I am still a victim because they simply wont do " the right thing '' by acknowledging their accountability and living up to their slogan.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Debt collection (Payday loan) with Oracle Financial Group LLC. (OK).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: They are saying that i need to pay or they will send me to court. Fistr they said they were calling from the county then they said they were from the city council.. and that they have a dock number and they need to serve me papers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: X/XX/2017 XXXX XXXX Once again a major mess with Experian and one takes days to get through to them then transferred around the horn. Tried to get temp access to code so bank can pull credit. Could not get through again WAIT AGAIN! WAITING. AGAIN!!!! 1- XXXX UPDATED EXPERIAN XXXX XXXX INCORRECT REPORTING ME LATE- BACK TO GROUND ZERO. EXPERIAN WAS TO UPDATE ALL OTHER AGENCIES- I GUESS THEY FAILED AGAIN. 2- WANTED A TEMP NUMBER SO A BANK COULD PULL CREDIT. 3- NEGATIVE CREDIT POSTED IMMEDIATELY- AMAZING- GETTING NEGATIVES CORRECTED 60-90 DAYS -- 4- BEING DENIED CREDIT SINCE XXXX XXXX READY TO SUE 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 09/17/2016 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: A company called XXXX has filed a negative item on my credit report. I do not know who they are. I am not aware of any debt owed to them. I have demanded documents from them showing proof of a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
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 send a dispute letter to Experian on XX/XX/XXXX and Experian ingored it while the XXXX response to my letter which was send 2 days after i notified Experian. 
When i tried to dispute online experiance refuse to dispute the information while XXXX did send them through investigation and deleted two of them. 
I learned that experian is notorious for not properly and throughly investigating consumer disputes and i want the CFPB to take notes about experian bad practices. 
The following are the account that experian is not disputing : XXXX XXXX XXXX .... Deleted by XXXX and Experian refused to thoroughly investigated it. 
XXXX XXXX XXXX XXXX .... 
XXXX XXXX .... 
XXXX XXXX XXXX  XXXX .... Deleted by XXXX and experian refused to investigated 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 explanation
Consumer complaint received 04-12-2017 about Credit card () with DISCOVER BANK (NJ).
Issue: Billing disputes

Complaint: I am alleging discrimination by discover card which has been suspected all along. I need all copies of complaints i have made as i believe once i retain counsel this is headed to court. Nothing has been resolved. The same person XXXX XXXX is answering my emails to follow up on promos I request and that I am told may be available to me. I have asked anyone who answers me to tell me who they are based on the horrible way i am treated. I am being discriminated against and i want it investigated. XXXX XXXX continues to mischaracterize my unresolved complaints and requests as " dissatisfaction '' I dispute that. Its resolve. You see being in my XXXX and handling credit well all my life with many banks i know this is discirminartory. I will stop paying all accounts and take steps to protect my credit based on the discriminartory way i am being treated. Years ago i was told notes on customer accounts telling other agents not or to do something in particular was prohibited but its done all the time here. Further when i make REQUEST I am transferred to a specific place. I will not and can not keep spending my time writing here. I have stopped paying all accounts because if i am reported to credit after trying to get help not counselling for credit not being sent the agreement but a promotion as i was promised by collections. I will not let my credit suffer and i will not be treated in this discriminatory fashion. 






































XXXX COMPOSE Labels Inbox ( XXXX ) Starred Sent Mail Drafts ( XXXX ) More CollapseHangouts More XXXX of XXXX Not starred Not starred Not starred Not starred Not starred Attachment Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Attachment Not starred Not starred Not starred Not starred Not starred Not starred Attachment Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Attachment Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: A old debt still remains on my credit report, Account Name XXXX XXXX Account Number XXXX Account Type Revolving Bureau - Equifax Date Open -  XX/XX/XXXX High Limit - {$7600.00} Monthly Payment - Account Balance - {$52000.00} Last Reported - XX/XX/XXXX Account Status - Charge - Off Amount Past Due - XXXX Account Designator - Authorized User

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a notice from this collection agency stating they validated and will continue collection efforts. I need some help as they are violating my rights. First I do not owe them anything all equipment was returned and second this is over 10 years old and they should NOT be reporting it on my credit file. I thought there is a 7 year statute of limitations. Please help

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 03/28/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I 've have been trying to complete a loan modification since XXXX XXXX 2013 because. I 've been submitting all required documentation to SPS financial and have not seen any results. I 'm currently working with a realtor to help me complete my loan medication because it 's been very overwhelming for me to complete this on my own. At this point, the lender continues to request new information and I 'm scared to lose my home to foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Mortgage (Conventional home mortgage) with ACADEMY MORTGAGE CORPORATION (AZ).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: During the last few days of XX/XX/2017, I met with XXXX XXXX a loan officer at Academy Mortgage. I applied for a loan, not knowing what type of loan but she submitted me as a conventional loan. At very first meeting I mentioned I had lost my house in foreclosure 6 years ago -- -to my best knowledge there are only three types of loans I could get after three years from a foreclosure and that is FHA , VA , or USDA . My credit score at that time was XXXX. She told me no problem that I was approved and we would continue with the loan process as a Conventional loan as I was giving {$70000.00} down. She requested the {$480.00} for the appraisal cost -- During the loan process they issue the loan to another loan officer, XXXX as XXXX XXXX had left Academy Mortgage. Now, I started all over with documents because I was told they could not locate any documents, so I complied only to be told that I did not qualify for the loan because of my foreclosure. So I feel I was taken advantage of because any loan officer should know a conventional loan can not be approved until after 7 years. They should have submitted my loan as an FHA. I am now out {$480.00} and I want it back -- besides you do not order an appraisal until you know a loan is actually approved. I feel I was discriminated due to my language barrier I do not speak English very well. I wan my money back since they made a mistake on telling me I was approved. Please help me get my {$480.00} back. Also, I am attaching complete Letter I wrote to Academy mortgage requesting my money back and they have not responded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-10-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MD).
Issue: Loan modification,collection,foreclosure

Complaint: This is my second complaint against Nationstar Mortgage LLC, once again I have submitted a loan modification application to Nationsatr on XXXX/XXXX/2016 by e-mail and certified mail they signed for on XXXX/XXXX/2016, since then it has been over five ( 5 ) days and no response from Nationstar instead I received a letter saying that my home is being sold at a auction on XXXX/XXXX/2016 at XXXX XXXX. 
Nationstar and its attorneys have and continued to violate the rules and right now I am being Dual-Tracked where I have a loan modification pending and my home is scheduled to be sold. At this time I need help with this matter as this have been an on going infraction of my civil rights under the XXXX XXXX XXXX XXXX XXXX and President Obama making homes affordable. 
Just to point out that Nationstar and its attorney continues to violate Regulation X and is getting away with it I need not only answers but I need to have Nationstar, s CEO XXXX XXXX prosecuted for fraud since owing to the fact that instead of helping struggling homeowners get a reasonable modification he is acting like a Slum Lord where he just wants to foreclose and make a gigantic profit and our Government is letting him get away with it. 
At this time I have complained to CFPB before and I have gotten nowhere I need XXXX XXXX to look into my complaint and do something about it I have enough proof to show that Nationstar is committing fraud which I can submit to CFPB or to the general public including members of Congress. 
Please see attached documents also I can be reached at XXXX to further discuss this.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have XXXX collection accounts from XXXX XXXX for payday loans, I have never had a payday loan and they refuse to correct it. I have asked for them to fix this and remove the incorrect information, but all they say it was verified. This is not possible since I never got a online payday loan.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was assumed by OCWEN in 2013. I have been receiving phone calls stating that I am behind on payments and charged late fees.I made payments to OCWEN for my mortgage. In looking at my payment history OCWEN applied some these payments directly to the principal balance. This created a shortage or " suspense '' for the following month. I have called to have the principal payments applied as a regular payments to my account. OCWEN not processing payments correctly to my account. " Suspense '' and " payment rev '' 's are not being credited properly to the account. I am being charged late fees and they have reported this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: WELLS FARGO LOAN # : XXXX REQUEST TO APPLY OUR " Cash Balance '' FUNDS to First Trial Payment due XXXX/XXXX/16 Wells Fargo has offered us a 3-Month trial payment plan for {$2100.00} per month starting on XXXX XXXX, 2016. We currently have $ XXXX sitting in a " cash account '' which we 'd like to apply for the XXXX XXXX, 2016 trial payment. We will easily be able to pick up the XXXX XXXX, 2016 payment and be in good financial standing for the new streamlined modification loan we were offered. 

XXXX XXXX, my account representative, told me twice on the phone that I could receive a check with these funds and he would expedite it, then he placed me on hold, came back and informed me, " I can not issue you this check and we can not apply these funds to make our payment ''. Please pull our phone conversation from Tuesday, XXXX XXXX, 2016 for the most recent misinformation spreading to a customer in need. 

I do not believe it is legal for Wells Fargo to hold our funds and I 'm requesting that your company make an exception and apply these funds immediately, so we can start the " XXXX Streamlined Mortgage which puts another {$200000.00} in the pockets of Wells Fargo '' and if not, we are requesting a full explanation along with the statute and law that allows the bank to confiscate these funds or hold them in limbo, when they could easily resolve our current situation with a simple transfer of unapplied funds. 

Wells Fargo is threatening to start foreclosure process if we do n't make the XXXX XXXX, 2016 payment. We also spoke to XXXX XXXX, XXXX, who also confirmed this misappropriation of our cash balance funds. When I asked to speak with her manager, " XXXX XXXX '', she rudely denied the request vehemently which coupled with resulting in my overwhelming distress and unnecessary upsetment causing severe emotional trauma. 

XXXX please help us resolve this amicably and simply apply the funds that our legally ours to help us start the streamline program on XXXX XXXX, 2016. We have XXXX young children with special needs and this is the only asset we still own. Please help us.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: XXXX XXXX XXXX contacted me on behalf of Navient to help with my Student Loan XXXX XXXX, 2017. I was paying Navient a monthly fee of {$45.00} with a balance of {$38000.00}. I spoke with a guy name XXXX but XXXX XXXX sent me a Contract via email stating that I could pay {$1200.00} in ( 3 ) increments and gave me the breakdown that 's all I had to pay. I just made a payment of {$390.00} on XXXX XXXX, 2017. Now I have been contacted again stating the Representative told me wrong and that I would have to pay more and my monthly payments of {$45.00} would now go up to $ XXXX+ a month. I have called several times to get a different Rep that has no clue what I 'm talking about. When you ask to speak with a Supervisor you ca n't get one and when you ask for their last name they want give it to. So finally I said the next person you speak with will be my Attorney and they said it 's no need to do that so now they are suppose to refund my money that I 've paid via bank draft ; because I 'm sure it did n't go toward my Student Loan payment. The interest rate is unbelievable and it 's Highway Robbery.

Company response to consumer: Closed with explanation