milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/18/2017 about Debt collection (Medical debt) with Eastern Account Systems of Connecticut, Inc. (CT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The reason why I am asking for your help in this matter is in XX/XX/XXXX I have decided to check my credit report from all three credit bureau And as I was checking I notices I have 3 debt in collection with XXXX that are not mine so I did a online dispute .I was asked to sent in personal information so I did ..I notices that XXXX have not taken any action in remove those debt off my credit report. XX/XX/XXXX, Collection {$5100.00}, I have dispute it.
XX/XX/XXXX, Collection {$570.00}, I have dispute it XX/XX/XXXX, Collection {$250.00}, i have dispute it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Deposits and withdrawals

Complaint: Bank of America allowed XXXX withdraws from a XXXX credit card account from my checking account. {$12000.00} taken between XXXX XXXX and XXXX XXXX XXXX all of the payments where sent through a XXXX credit card EPAY system and all were +/- {$2000.00} amounts. 
This is a clear violation of several laws Title III : International Money Laundering Abatement and Financial Anti-Terrorism Act of 2001 - Bank Secrecy Act - PART 353 -- SUSPICIOUS ACTIVITY REPORTS 12 U.S.C. 1818, 1819 ; 31 U.S.C. 5318.

Company public response: Company chooses not to provide a public response
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 Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have requested numerous times from Experian to update my credit report with the correct file and I have not been successful. I keep getting the run around. I have provided documents showing a name change and they have not updated any of those information. My old name is   XXXX   XXXX   and it has been changed to    XXXX   XXXX   XXXX   XXXX  . I have also requested for any old addresses to be deleted in   vain. Please see attached a copy of my passport, a copy of my driver license with the correct address, a copy of my Social Security Card and a bill showing my current and only address that should be showing in my credit report. I have also attached a copy of the court order showing my name changed.

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 02/19/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NV).
Issue: Loan servicing, payments, escrow account

Complaint: CFPB complaint against Ocwen Loan Servicing Per Ocwen Loan Servicing policy, Ocwen reports to all credit bureaus each month on every customer. Per Experian, Ocwen did not report for XXXX XXXX. This date reflects as " data unavailable ''! This credit bureau entry clearly shows that Ocwen never reported for this month. Per the previous complaints filed with the CFPB against Ocwen, these complaints reflect that Ocwen Loan Servicing reported " D no payment history available ''. Per Ocwen Loan Servicing website, the credit history letter request dated XXXX XXXX XXXX reflects that Ocwen is showing on their system, XXXX XXXX as " no payment history available this month ''! Per our payment history sheet dated XXXX XXXX XXXX, our XXXX XXXX payment was received by Ocwen Loan Servicing on XXXX XXXX XXXX. Per our credit history sheet dated XXXX XXXX XXXX, Ocwen reflects in there system for XXXX XXXX as " D no payment history available this month ''. Attached are documents for the CFPB to review! 
As you can see, this has been on ongoing issue with Ocwen Loan Servicing, bad business practices. Ocwen loan Servicing failed to report to all the credit bureaus for XXXX XXXX even though Ocwen received our mortgage payment in advance! Ocwen has failed to update their records and all the credit bureaus months later. Ocwen Loan Servicing is violating our rights to have our mortgage payment history be reported accurately each month! Ocwen 's policy to freeze credit reporting during a complaint violates our rights and possibly federal and state laws! Ocwen 's policy does not exceed federal and state laws! We request that Ocwen Loan Servicing corrects this issue immediately, reports accurately each month to all credit bureaus and verifies that the information that Ocwen employees put on our account must be accurate each month! Failure to do so must result in action taken by federal and state agencies for violating our rights!

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Mortgage (FHA mortgage) with Selene Finance LP (GA).
Issue: Application, originator, mortgage broker

Complaint: In reference to case # XXXX The information attached, shows that Selene Finance made false statements to the CFPB on page XXXX of their reply labeled XXXX. " At the time of the servicing transfer, the loan was due for the XX/XX/XXXX through XX/XX/XXXX contractual installments and had an unpaid principal balance of XXXX " They also show that Selene falsified information during our refinance XX/XX/XXXX refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MO).
Issue: Loan servicing, payments, escrow account

Complaint: To whom it may concern, Once again Ocwen has still not settled any of my complaints. Ocwen is supposed to be banned from foreclosing on anyone until they correct of the wrong doing they have done to not just me but othersas well. Once again Ocewen is attempting to foreclose on me. Ocwen has been doing wrong just about as long as they have been in bbusiness. Once again I am suing Ocwen for a XXXX dollars and before I even get to court Ocwen may be able to illegally foreclose on me. I have had about XXXX XXXX because of Ocwen and now my wife just had a XXXX XXXX and XXXX because of Ocwens illegal activities. 
Ocwen has to be stopped. 
I believe also the SEC needs to be looking into possible stock manipulation.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2016 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (IN).
Issue: Managing the loan or lease

Complaint: I have tried to set this Wells Fargo account on autopay 5 times ; three times online and twice on the phone. The first time the page indicated the account was set for autopay. Two weeks later I received a very unfriendly call threatening to take the account to collection and report the account to the credit bureau. I paid the bill over the phone. I again set up autopay online and called to confirm that the account was on autopay. I was told the next payment was not due until XX/XX/2017. I thought that was odd because the date I set the account on autopay was early XXXX. I received a statement XX/XX/XXXX ( with a mailing date of XX/XX/XXXX ). The account was due on XX/XX/XXXX and had a late fee added. I mailed a payment on XX/XX/XXXX. I called XX/XX/XXXX to ensure the account was up to date. It was not. I was transferred to 5 different departments. I asked to speak to a supervisor and the line disconnected after the agent spent 45 seconds yelling that we had a bad connection. I could not set up autopay because the account was not up to date. One agent offered to send autopay enrollment through the mail. Each agent repeated the same information to me and tried to collect the bill. Each also said autopay would take 30-60 days to be effective. I have to go online each month to check the account and find out if the autopay is in place. My credit score has dropped 50 points because of Wells Fargo.

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 05-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On  XXXX   XXXX ,  XXXX  I contacted Citibank in order to dispute a charge from  XXXX  on  XXXX / XXXX / XXXX  in the amount of {$330.00}  XXXX   XXXX  ). The charge was for a flight that was booked online. I did not know until I received the confirmation, just before the flight, that  XXXX  booked the flight to the wrong airport.  ( T wo airports had the same name, one was in  XXXX , the other was in  XXXX   XXXX . ) I had contacted  Citibank  on  XXXX / XXXX / XXXX  because I had all the paperwork together and wanted to write to Citibank to dispute the  XXXX  charge. The person who answered Citibank phone for disputes said they would NOT give me the address to write to at that time with my dispute, but would take the information over the phone. I argued that I needed the ADDRESS for the billing disputes department because I would not have time later to write the letter and wanted to protect my rights. They refused to provide me with the mailing address of the disputes department.     Instead, they wanted to verbally gather a considerable amount of information regarding the nature of the dispute, assuring me that they could work with it. Despite my repeated objections to wanting the actual address to write, it was not given to me. I was going out of town.      Citibank  subsequently mailed me a letter requesting information that was already provided on the phone.     I called  Citibank  today. They do not know why they had previously refused to provide me with the address of the dispute department. They also do not have the information that the person had taken over the phone collected anywhere in their documentation, ( So all they did was waste my time taking it. ) They tell me it is now too late to dispute the claim.

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 04/25/2016 about Credit card () with DISCOVER BANK (MI).
Issue: Payoff process

Complaint: Loss of income and unable to pay, when APR charged raised to the maximum by Discover Bank. XXXX XXXX XXXX, the debt Collector Attorneys for Discover Bank, refused to allow payment agreement, unless additional fees are paid to them. In addition Discover Card refuse to work with client accounts turned over to their collections Attorneys, who continue to add interest to the outstanding amount originally owed.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Debt collection (Mortgage) with Hunter Warfield, Inc. (TN).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I am not certain where to report this, as it was not an option in the drop-down. I chose the closest issue that was available. 

I have noticed a recent, unauthorized, credit inquiry from a notorious debt collection firm called Hunter Warfield on my XXXX report, and I am taking the proper actions to have this resolved. I was n't contacted for this inquiry, nor did I give any authorization for this inquiry. I hope that this is an issue that can be resolved.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Bank account or service (Other bank product/service) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Problems caused by my funds being low

Complaint: Harassing and threatening call with court actionsand collection of outrages amount for an acct thathad a {$250.00} balance when it was charged offXXXX or XXXX years ago. They want {$2200.00} withlate fees. By hey call and spoke to my employer andtold them that they were a legal firm trackingone of there employees. I almost lost my jobbecause of their collection tactics

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AR).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My main complaint is I do NOT own this account. This is a retail credit card company and my wife owns the business. I have NEVER owned a business that uses credit cards. Her business is  XXXX   XXXX  operating under the name of "  XXXX   XXXX   XXXX  ''. I have no idea how this ended up on my credit report. I want it removed and I have any or all documentation you need to prove that I am in no way, form, or fashion associated with my wife 's business.   Basic Info : Debtor is  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , FL,  XXXX . Number is  XXXX . The balance showing is {$1800.00} as an installment account. Its showing my past due amount of {$180.00}. My first delinquency date is  XXXX   XXXX ,  2016 . Thank goodness I checked my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/30/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am aware that a dispute is currently ongoing with Experian. I wanted to present new information regarding one of the items being disputed. A fraudulent account was opened in my name with XXXX XXXX. I filed a complaint against XXXX XXXX and they responded with the attached letter telling me they are no longer reporting this account to the credit reporting bureaus however upon my personal research I found that this account is still on my Experian credit report. I redacted text on the letter that is not relevant to my complaint however I do give Experian authorization to call the number on the letter from XXXX XXXX to confirm that they have given me written confirmation that they are NOT reporting the account any longer.

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 12/15/2016 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (FL).
Issue: Credit decision / Underwriting

Complaint: We are in the process of purchasing a home and we started this process in XXXX of XXXX. I am legally XXXX and my name is XXXX XXXX XXXX and my Significant other is XXXX XXXX XXXX. We are in the final stages of closing but we have come across an issue that has been causing us nothing but headaches. XXXX XXXX XXXX was married and got a divorce back in XXXX. In her divorce decree her ex-husband agreed to pay those XXXX bills and unfortunately, he passed away and never paid those XXXX bills. XXXX was unaware of these XXXX bills had gone into collection. XXXX did address the one from XXXX for {$1000.00} and has been settled. The one for XXXX recovery has falling off her credit report. The issue that we are encountering is that Caliber Home Loans is running a supplement credit report and it is still showing both collections in dispute. This would be incorrect since XXXX has all XXXX credit reports from all XXXX credit bureaus { XXXX, XXXX, XXXX }. Caliber is using a XXXX party software from XXXX. XXXX was advised that to contact XXXX. On XXXX, XXXX contacted XXXX at XXXX and spoke to XXXX. XXXX stated that XXXX only updates its credit history every 60 days and that is why her credit history would be in accurate. We have requested that Caliber get an updated supplemental credit report numerous time and each the report comes back the same. Our loan officer and his staff have made very clear that they are unwilling to accept any other source { XXXX, XXXX, XXXX } printed report. I have spoken to a few other Mortgage Loan Companies and they have told me that they have a gap of no more than 3 days. It is very clear that either Caliber should not be using XXXX or that XXXX XXXX is discriminating against us. I a deaf and use equipment to talk over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (WA).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX of 2015, a company called Roundpoint acquired the mortgage on my rental house. During the transition of payment from XXXX to Roundpoint I had been instructed by Roundpoint on how to set up our monthly payment on Auto pay. I was at that time paying automatically through my online banking with XXXX to make this monthly payment to XXXX. The process I followed did not get completed properly and my XXXX payment did not process. I was not aware of this until notified in XXXX of the missed monthly payment for XXXX. When this was brought to my attention, I immediately made payment to Roundpoint for the XXXX and XXXX payment simultaneously bringing my account current. This unfortunately did not forgo them reporting me as being 30 days late to the credit bureau for missing the XXXX payment. I contacted Roundpoint to explain what happened and that this was an error on my part but was in no way being negligent in my obligation to pay. After their further analysis of the situation, although they understood the circumstances, they told me that their reporting was justified and that they would not change their reporting to the credit bureau. 
I am hoping that you will consider these events as out of the ordinary as I have excellent credit and have a history of paying my bills on time. When you look at our history of payments on this mortgage, you will not find a month, prior to XXXX 2015, where we missed a payment. We also receive $ XXXX in rent for this property and have ample funds to make the payment. 
My complaint here is that Roundpoint would not make an exception and realize that this reporting should not stand and affect my business expansion capabilities. They were not quick to help, they were quick to let me know that they reported properly and that nothing I could say do or dispute would change that. They were only quick to let me know that they did everything right.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: To whom this  may concern : I 've been trying to resolve the multiple negative student loan accounts on my credit report. The Credit Bureau ( Equifax,   XXXX   XXXX   )  are neglecting to verify the accounts properly to determine which ones are duplicates o r original. Due to poor lack of investigation and communication I 'm requesting that all of the accounts be removed. All of the loans in question were recently consolidated but the negative accounts that have been reported are hurting my scores.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I am repasting my original complaint that was disputed and never resolved. The CFPB claims to be following up on this but it has never produced a response to my dispute. 

Describe what happened so we can understand the issue ... 
In XX/XX/2014, a series of unfortunate banking events led to my mortgage payment being deducted form my checking account twice. The servicer ( PHH Mortgage Services ) was not willing to help recsend a payment and the Bank suggested that my only course of option was to stop payment on one of the duplicates. I did so as my family would not have had enough money to survive. In XXXX, I made a payment to PHH by phone and using this same checking account. The representative assured me that the payment had gone through just fine as usual. In XXXX, I was informed that I was now behind on my mortgage as this payment did not show up. This is when the trouble began. Through various demands for payment and forced " re-payment plans '', I have given PHH almost {$22000.00} in the past year and am still being sent past due notices. I 've now been sent a " right to cure notice '' demanding another {$5000.00} plus before XX/XX/XXXX. Since my normal mortgage payment is around XXXX monthly, a years worth of payments would only be {$15000.00}. I have no idea how I am still behind in my payments and can not seem to get out of this cycle. This has caused a great deal of distress in my family and has caused me to get dangerously behind on other bills ( student loans, car payments ) as well. Most recently, I responded to a late notice by paying the amount asked for ( {$3400.00} ) by the date it was asked for ( XX/XX/XXXX ). PHH took the payment. The payment came out of my bank account. Two weeks later I received a notice that my account had been referred to an attorney for foreclosure. This was an awful thing to read. PHH initially claimed that they had no record of the notice demanding the {$3400.00} and that I had not paid enough so they had returned my payment (? ). After two days of arguing my case, the notice was found and I repaid the {$3400.00} and was taken out of foreclosure. This was a large mistake made on their end and I ca n't help wondering what other large mistakes are being made at PHH Mortgage Services. I 've gotten nowhere in my attempts to talk this through with them. 
Consent to publish the description of what happened? Consent provided Which part of the mortgage process is your issue related to? 
Problems when you are unable to pay This is about Conventional fixed mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Debt collection (Other debt) with AFNI INC. (FL).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: I have no contract with this company and this company is not licensed to collect in Florida and this account have been removed from my report previously and was reinserted without any notification. Which violate FCRA laws

Company response to consumer: Closed with explanation