milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-01-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage loan servicer, Ocwen Loan Servicing, has breached the forbearance agreement by changing the terms and they did not notify me. I happened to go into my account today and I see that I am delinquent when I should not be. I have been following the terms of the agreement I had agreed on for over a year now. Suddenly the payments have changed. They have increased. I was shocked to see I was still owing for XXXX. I called up to Ocwen confused as to why my payments are different now and the first agent I spoke to, XXXX, said that I was delinquent on the taxes and that the taxes 'had not been paid '. This did n't sound right ( and I later found out she was incorrect ) because Ocwen has been paying the taxes for me for years. I have been escrowed with the taxes. The agent gave me inaccurate information by continuing to assert that I was suppose to be paying the taxes. So I requested an " escalation representative '' and she transferred me to " XXXX ''. XXXX researched my account and said that no.. the previous agent was wrong. She said that Ocwen had been paying the taxes and she then said that it appeared someone had gone into the system and 'changed the agreement ' that I had agreed to in regards to the Forbearance agreement. She could n't understand why they had done this and she then transferred me to XXXX ( a home retention agent ). I asked for XXXX to remain on the line after she offered but XXXX refused to speak to me unless XXXX dropped from the line. He said his computer system would not let him even pull up my account while the Ocwen retention agent was online ( even though she had bagged out of my account ). I knew this was a lie. So at this point I told him and XXXX that this was the third or fourth time my forbearance agreement had been changed without any notification to me or consent from me. I asked her to have her manager call me. The call was concluded. The call was made on XXXX/XXXX/2015 at around XXXX XXXX. 

I have had such trouble with Ocwen. Starting from them over-billing me, Locking me out of my home and trashing my home and putting foreclosure all over my credit reports for two years when I had never been foreclosed. I have prayed for some type of relief. I thought after the previous lawsuit I had found relief. But now nothing has changed. Ocwen is back to changing agreements without notification or consent and I am now again in danger of losing my home. I pray for the CFPB to help me. Please put me in touch with an attorney. Or someone who can help me. No one cares about the little guys. No one cares about us. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My late sister XXXX temporarily resided with me from XXXX to XXXX. 
She passed away in XXXX, XXXX. 
Unknown to me, she had several credit card accounts ( opened by her and in her name only as she was an adult at the time they were opened. ). 

On XXXX XXXX, XXXX and continuing randomly through XXXX, XXXX, I received thirty ( 30 ) calls from Portfolio Recovery Associates. ( PRA ). There was no message left indicating who they were attempting to locate or the purpose of their calls. I assumed there was some type of mistake and they had the wrong number. 
Since the calls continued, a call was placed to PRA on XXXX XXXX, XXXX and learned they were attempting to locate XXXX. The Customer Service Representative ( XXXX ) was advised of XXXX 's death and she said she would verify the information and remove my phone number from the call list. The calls stopped and no further calls were received for the remainder of XXXX. 

During XXXX XXXX, a collection letter was received via mail addressed to XXXX with my home address. On XXXX XXXX, a call was received from PRA and again, no message. 
A return call was made to PRA that same day and " XXXX XXXX '' was given the same information that was shared during the XXXX XXXX, XXXX call. 
I questioned why the calls were beginning again, since the information of XXXX 's death was given to PRA the previous year. It was also mentioned to the representative that it was assumed Portfolio Recovery would have access to various professional and informational databases especially the Social Security Death Index ( which would immediately verify XXXX 's death ) ; as well as a simple XXXX search which would have provided factual data that XXXX had indeed died. The representative did not answer any of those questions, only stating said she would verify the information and remove my phone number from the call list. 
No calls were received for the remainder of XXXX and all of XXXX. 

Thinking this situation was indeed finally over, I was shocked when the calls began again on XXXX XXXX and by year 's end had received thirty eight ( 38 ) calls from PRA . There were also two ( 2 ) additional collection letters received for XXXX with my home address. 

It is now XXXX, and the calls continue, eight ( 8 ) to date, and a fourth collection letter. 

So after four years and three months, 77 phone calls ( with no messages ) and two calls to PRA providing information that XXXX is still dead, the harassment continues. 

PRA purposely chooses ; to ignore that XXXX had passed away and refuses to verify her death ; to attempt to coerce and intimidate others for payment of a debt that only the deceased would be responsible ; to continue calling my home number ( which they said would be removed from their call list ) despite my best efforts to convey true and honest information ( that goes ignored ) causing undue XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/27/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I am a victim of the recent incident that occurred involving XXXX XXXX data housed at Experian that may have involved an unauthorized disclosure of my personal information. I am utterly disgraced with the written notification asking me to subscribe to Experian in order to resolve the issue as well as the fact that my data has been compromised regardless of the fact that I have never interfaced directly with Experian in my life. It is utterly abysmal that my personal data is treated with such low importance and left vulnerable to attacks of this nature. I did not receive an acceptable verbal response from Experian when I phoned them to find out what had occurred hence my complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Student loan (Non-federal student loan) with DISCOVER BANK (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Principal payment in the amount of {$220.00} was submitted to Discover Student Loans on XXXX XXXX, 2015 by personal check. This check was cashed on XXXX XXXX, 2015 but not credited toward my account. 

I sent an email on XXXX XXXX, 2015 requesting that they correct this error ( backdated to the date they cashed the check ) and received an email back requesting proof of my payment which I supplied ( canceled check images ) on XXXX XXXX, 2015. My account STILL has not been credited the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Credit inquiries : XXXX TransUnion CUSTOMER SERVICE would not help and take care of the negative inquiries reporting to 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 explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Ive disputed four accounts with this company and they refuse to delete incorrect accounts. Ive even provided letters of deletion to the credit bureau advising to delete info and they refuse to cooperate

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 08/18/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIBANK, N.A. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I Have a mortgage loan with CITI Mortgage. Since it is a variable loan i have been making {$3000.00} principal payments to reduce my balance. I just to include the additional principal with the payment and write down the additional principal amount on the coupon. Several times they misapplied the payment and applied it to the interest and the escrow amount. i have called them many times and it takes a lot of time to get them to correct their mistake. i then talked to a supervisor and was told to make a separate check. I started doing that but every once in a while the payment is miss applied. I dont know what else to do to get them to stop miss applying my payments. If it is happening to me it must be happening to other borrowers who may not look at their statements carefully.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Debt collection (Medical debt) with Receivable Recovery Services, LLC (LA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In the early Part of XXXX 2017 I attempted to contact receivable recovery to clear up my accounts with them 1 by 1 at which time I was told by the representative but I spoke to that I could not clear up one account that I would have to pay all accounts at 1 time before they would clear any account. If I 'm not mistaken by law I am able to say which account that I want my funds to be applied to. My call to the company was recorded and I do have the recording on my phone if needed at a later date to prove what I was told by the company representative. I feel that I was bullied by this Representative.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Payday loan, title loan, or personal loan (Installment loan) with Conn's, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Conn 's credit corp r eported my account as 30 days past due for  XXXX /2015 and I have never been late on my account. I even have pay statement from my chase bank where they debited my account for the amount owed. I have tried several times to have the issue resolved with them, but to no avail and it is been reported on my credit as late for 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: XXXX XXXX XXXX - XXXX accounts - is still reporting on my credit report and the accounts were opened back in 2007. I thought they were supposed to be removed after 7 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Credit card () with AMERICAN EXPRESS COMPANY (TN).
Issue: Rewards

Complaint: XXXX XXXX offered XXXX Membership rewards points for spending {$3000.00} within 3 months. I have since earned points on XXXX XXXX, 2017 as a result of meeting the terms and conditions of the offer. XXXX XXXX will not allow me to access these points due to a " review '' and can not offer a concrete timeframe on me being able to use them. I request that they release these points for use, as I have met all of the terms and conditions of the offer, and my card account is in good standing. I made an effort to resolve this via XXXX XXXX, but the representative could not assist, and claimed the review was not something he could influence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-08-2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Equifax is listing accounts that are closed as open, this is an intentional act to assist with keeping credit scores low. After disputing items on my report with Equifax they intentionally changed the status of these accounts to open causing my score to drop by over XXXX points. The accounts that are being reported incorrectly are as follows, XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX accounts. By putting the accounts in open status it affects your credit score. For instance why would a collection account that has been closed and paid be reporting as Open. This only changed to open after it was disputed. Equifax is attempting to intimidate people that challenge information on their credit report. Equifax is also reporting a judgment as pending with out the date of filing, they are failing to report a tax lien that was released as released it just shows no status. I have also noticed that the reports that they send you is different then what credit monitoring services have on file as your report. I intend to start litigation against Equifax for this bold and malicious behavior if not corrected asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-02-2016 about Credit card () with Continental Finance Company, LLC (PA).
Issue: Billing disputes

Complaint: I lost my XXXX credit card issued by continental finance. 
The rep assured me that if I made a XXXX payment in XXXX I would receive receive my credit card. I made payment and then I waited 4 weeks and did not receive it .I CALLED BACK XXXX/XXXX/2016 and was told AGAIN that I had to make another payment on XXXX/XXXX/2016 I did and now I AM BEING TOLD THAT I MUST PAY XXXX IN ORDER TO RECEIVE MY CARD. 
Continental Finance has also ignored my request for all information billing information pertaining to my credit card account ending in XXXX. 
I want my credit card and my billing information as I have requested under the Fair Credit Billing Act. Thank You for your assistance 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 explanation
Consumer complaint received 02-10-2016 about Debt collection (Medical) with Credit Bureau Collection Services, Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: A debt collection company ( CBCS ) continues to harass me an d try to collect on a debt that has previously been paid. I have subsequent billing statements that show the debt as no longer being owed, and that I am 100 % current. 

On their first attempt on XXXX XXXX, 2015, I sent a cease communications letter that explained that their charges were in error and that I choose not to work with a third party collection agency. 

On XXXX XXXX, 2015, they sent an additional letter demanding payment. I replied stating that I do not wish to work with a third party collections agency and to please cease communication with me in regards to this error. 

Today, I received a third harassing letter demanding payment for a debt that I have previously paid in full to the original creditor. I have penned a third cease communication letter and will mail it out in the morning certified mail. 

I have copies of the certified mail receipts for the first two letters, and a copy of the letter 's themselves if needed. I suffer from XXXX ( XXXX ). I just want this harassment to stop! 

Please feel free to contact me for additional information. 

Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-10-2015 about Debt collection (Credit card) with Stillman Law Office (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Someone took a credit card in my name. They accumulated almost {$13000.00} in debt and did not pay it. I never received statements for this account and had no idea it even existed. I was eventually contacted by a debt collection agency saying I owed XXXX almost {$13000.00}. The debt collection firm is Stillman Law Office XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX. Stillman and XXXX took me to court and won a judgment for {$12000.00}. I did not go to the court hearing as I was told not to. This is not my debt but I am being forced to pay for it. Stillman Law Office is garnishing my wages. I only make about {$350.00} a week. It is ironic I never received any bills or statements but when they went to collect they found where I live. Again they have been garnishing my wages but call almost everyday wanting more money. They wo n't stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Several of my credit inquiries were removed on my transition report then later were reinstated without any notification.

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 10-04-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Credit bureau reporting unverified accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This account is reported late payment on all my credit bureaus I paid this car on time never late for 2 years.i then only had 2 payments left which was about {$850.00} I traded the car in with the same dealership I got the car from and was told the check toward the credit company   XXXX   XXXX    will be sent next day and paid off. I signed for a new vehicle and drove off. I called every few. Days to make sure everything was paid off and was told it will be handled that day.. 2 weeks went by and was told it was sent off ... I later found out I had a late payment on my credit report .. I have tried to dispute this for a year now. This is not my fault I believe!! I even told the dealer and they said you can easily dispute this As you see on attached file, it was closed " PAID '' off in  XXXX  so it only makes sense of my issue I also need this to state PAID NOT CLOSED!!! I paid 2 years to pay this account off

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (PA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I have had an account wi th Citi Bank Best Buy for over 5 years. I recently filed a dispute with  XXXX  about my account history wi th the creditor. After that action was done, the creditor closed my account. They gave me reasons that have nothing to do with my account and m y credit score ha s actually increased over  XXXX  points in the last month or two. They refused to open my account back up and told me that I had a better chance of seeing  XXXX  before they would open my account back up. I want my account reopened or I will file a civil rights law suit against this company and I feel they need to wipe my balance to {$0.00} for the inconvenience.

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 08/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On several occasions I have asked Diversified Consultants to end all telephone communication because it is harassing and during the course of the day when I at my place of work. I also instructed them to have all communication ( s ) pertaining to the matter sent to the address they have on-hand via USPS. To day I received yet another call at XXXX and advised the young lady once more to cease and desist all phone contact. I need to FTC to contact this collection agency and inform them that they are violating my rights and my request to cease all phone communication.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Debt collection (I do not know) with Shellpoint Partners, LLC (GA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: On XXXX XXXX, XXXX I notified for the second time for Shellpoint Mortgage Servicing to cease and desist contacting me. 

Shellpoint Mortgage Servicing acknowledged receipt of my demand in a letter dated XXXX XXXX, XXXX. 

Since receipt of its acknowledgment I have received eight more communications alleging different creditors, threatening foreclosure, and alleging I obtained a loan from it. 

Shellpoint Mortgage Servicing sends communications identifying the addressee as " c/o XXXX XXXX, Pro Se '' even though I am not involved in any litigation with it - this is clearly harassment. 

The creditors it claims I owe do not exist. 

It is also reporting inaccurate, incomplete, and unverifiable information to the CRAs about me. 

The Georgia Department of Law 's Consumer Protection Unit has forwarded my previous complaint to the Department of Banking and Finance for further investigation. 

They must be running some racket out of SC.

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