milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/22/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TN).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan Servicing , LLC, and I entered into a modification agreement, on or about XXXX XXXX, 2016. The terms state the the down payment is to be paid on XXXX XXXX, 2016. Each month thereafter, I am to pay the same amount each month by the end of the grace period, which is the XXXX of the month. 

However, today, I received a letter entitled " DELINQUENCY NOTICE '' demanding payment for payments that have been absorbed by the modification, which is not due until XXXX XXXX, 2016. I consider this : 1. ) harassment, 2. breach of contract, and 3. ) against the laws governing mortgagors and loan servicing agencies under the Fair Debt Practices Collections Act, et al.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (MD).
Issue: Trouble during payment process

Complaint: On  XXXX   XXXX   2017 I c all ed PennyMac an d was given an amount of all monies that were in arrears {$7000.00}. This was paid by check on  XXXX   XXXX   2017. The y did not cash check f or 2 we eks. This month I get a bill saying I have {$130.00} in late fees added to ballance. If account was at  XXXX , with no payments due, then how do I owe 'late fees '.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Enhanced Recovery Debt collector re-aged a debt that had been placed over 8 years ago and lists it as new. XXXX rejected the complaint.

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 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: A few weeks ago I sent your bureau a request by certified mail to investigate items on my credit report which were highly suspect. As per the FCRA I allowed you 30 days to correct my report. However, your company has failed to take any consequential action and continues to maintain a file on my which is grossly inaccurate. The creditors that I called have not been able to verify me, whereas you dubiously claim to have somehow verified these items

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Dear Sir or Madam, I have been working and paying my bills on time since I moved out on my own at age XXXX for a living. In my XXXX year credit history I have bought and paid off homes, cars, motorcycles, and boats. I have had a & gt ; {$10000.00} dollar credit line with VISA since 1999. I currently have {$380000.00} in credit balances- real estate, revolving, installment, and charge accounts in total. Of the {$380000.00} I owe, {$200000.00} is in government backed student loans. 

I gross & gt ; {$XXXX} a year from employed income as XXXX. In my entire credit history I was LATE on ONE car payment over TEN YEARS AGO while I was in XXXX school studying for my XXXX exam. Other than that I have never missed so much as a XXXX payment. 

How can I possibly have a XXXX credit score that ranks me at 52 % of American consumers?!

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 04-05-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (SC).
Issue: Loan servicing, payments, escrow account

Complaint: failure to continue to provide monthly mortgage statements.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: On XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX disputes were sent out to all three credit bureaus regarding specific accounts that are on my credit file that do not belong. In each case, nothing was sent to me but a standard " VERIFIED '' letter. No proof that the accounts had been legally verified, no proof that the dispute was even handled at all. Just a computer system sending out verified letters. I have waited over 90 days for the same thing each time. I have specifically asked for verifiable proof that the accounts I have disputed are mine. In the case that they are NOT mine, which they are not, I would like them removed immediately. As a consumer, I have the right to dispute incorrect items on my credit report and to have it handled the way it is suppose to be handled. Not some standardized letter that is sent out to 100 people an hour.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/21/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NJ).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I have been a holder of a XXXX store card over last XXXX years and always a great payer. Recently, I unfortunately had return payments from my bank for XXXX setup, but abruptly called Synchrony Bank to apologize and explain root cause. Pleaded with customer service representative for company not to close my account, which they replied, it 's not their decision. XXXX weeks after that call, letter arrived advising account has been closed, due to XXXX returned payments, which out of XXXX years of successful payments seems a policy, which makes no sense. I can understand if account was recently opened and such issues occurred, but for established good standing accounts, it is really not a logical decision making process and does n't represent how events in life happen unexpectedly. 

My complaint is that, nobody can predict unexpected situations that may lead to a returned payment and number of years a customer has been a good Auto-Payment customer should be included in such as decision making process. 

Kind Regards

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 05/29/2015 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Customer service / Customer relations

Complaint: Sears Master Card from Citibank has a points program " Shop Your Way '' which supposedly tracks your purchases, provides a " pin '' number for use during the purchase and tracks what you spend and applies the " accrued points '' for use on your next purchase. This is a joke. It does n't work properly and when you try and resolve anything, nothing happens. Sears does not manage the program. It signs you up automatically and does n't assume any responsibility for errors through Sears ' " customer service ''. 
I have been attempting to find answers for two business days and all I get is a '' robo '' e : mail telling me to check their website. Talk about going around in circles. I do not recommend Sears for anything and will cancel my charge card there. I 'm sorry I ever agreed to open it. Not to mention the interest rate is horrendous.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Debt collection (I do not know) with Harris & Harris, Ltd. (HI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Multiple ILLEGAL ROBOCALLS that have been reported to the XXXX each time yet nothing is done. I HAVE NO DEBTS so I know these calls are bogus and they come at times that are also illegal. The number the calls come from is XXXX from XXXX and XXXX debt collectors. I have never gotten a letter or any other information about any debt owed. Please do SOMETHING ABOUT THIS ILLEGAL BEHAVIOR!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I seem to keep having a problem with XXXX  with these Hard Inquiries that remain on my Credit Report that I have no clue why they are there because they where not done on my behalf. 1. XXXX XXXX  ( XX/XX/XXXX) Not Mine 2. XXXX XXXX XXXX  (XX/XX/XXXX &XX/XX/XXXX ) These are not mine

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 01/24/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX Reported I owed XXXX XXXX an apartment complex XXXX in XXXX XXXX. I had contacted the apartment complex to find out what this is about. I had lived in a single unit apartment XXXX from XXXX to XXXX. In XXXX before the lease was up I had adopted my two nieces and had to move to a XXXX bedroom XXXX. I was there until my lease was up in XXXX. XXXX XXXX is reporting i was evicted from XXXX when they just transferred me to another unit in the same complex. They never removed the collection account from 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 07/24/2017 about Debt collection (Auto debt) with Westlake Services, LLC (CT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I financed a car through Westlake Financial. I continued to make payments through this company and had to file BK due to illness. WE offered to reaffirm vehicle, received no response.Continued to make payments. Company reported our account as discharged in BK with a XXXX  balance. We requested our title and were sent several letters that it would be forthcoming. In XXXX of 2015 we came home to a repo in process. In CT, you must by law sent a letter of intent and did not. We tried to clear up the issues and called many times during XXXX, XXXX and XXXX. We were treated rudely, often in a derogatory manner, were cursed at and threatened. I have recorded conversations with the bank. We were never given the opportunity to discuss cure of any default and we lost our property. I want monetary reimbursement for the trauma and deceptive practices along with clear FDCPA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Consumer Loan (Vehicle loan) with Go Capital Holdings, LLC (GA).
Issue: Managing the loan or lease

Complaint: I entered into a car loan with GoFinancial and was never provided with any information about how they processed payments. I made my first payment over the phone and was give the option to pay using my credit card for a nominal fee ( I think it was {$4.00} ) which I agreed to. After processing the payment I looked at my credit card statement and GoFinancial had submitted the payment through XXXX XXXX and my credit card company had processed the charge as a cash advance charging me a {$15.00} fee and daily interest on the amount of the charge. I would never have paid the car loan with my credit card had it been disclosed to be that they would process it through XXXX XXXX. I spoke with the manager at Go Financial who informed me that they do not have to disclose how they process payments and they will not refund the fees that were charged to my card.

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 12/24/2015 about Payday loan () with ACE CASH EXPRESS, INC. (TX).
Issue: Charged fees or interest I didn't expect

Complaint: I was called by someone that said ace cash express gave them my info and that I owed them money for a loan. He asked me to make a payment over the phone I refused because I did n't know if it was a scam. He then became very disrespectful and vulgar calling me various names.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Debt collection (I do not know) with FAIR COLLECTIONS & OUTSOURCING, INC. (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have tried several times to have FAIR COLLECTIONS & OUTSOURCING to send me verification of debt. on to this day I have n't received any notice from them. I would like them to completely remove any negative mark on my credit reports.      XXXX  Account Type : Collection Account Type - Detail :  XXXX   XXXX   XXXX  : Joint Account Status : Derogatory Monthly Payment : - Date Opened :  XX/XX/XXXX   Balance : {$3400.00} No. of Months  (  terms ) : -  High Credit  : {$3400.00} This is the only information that I have of this dept that is showing on 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 04-08-2017 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (WI).
Issue: Managing the loan or lease

Complaint: I have a lemon car, went to arbitration and won a replacement car. I have told my bank several times about this issue before I went to arbitration. Ally financial is my finance. I get the run around refusal to talk to a manager, each time they claim they ca n't hear me, my phone is breaking up, no manager or the people I need to talk to is available. The dealership sat on hold for over 2 hours with them yesterday, and I sat for over an hour. They wo n't tell me what my original loan amount was and refusal to give any information about my account. A person by the name of XXXX refused to give me any information about my account saying she could n't. My dealership tried to find out what they would finance my replacement on money wise and they would n't tell 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 03/19/2018 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (MA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I have been trying to make a payment for past two weeks they refused to take one very rude demanding full amount. I asked to defer a payment back in XX/XX/XXXX due to all the repairs that were now needed on my XXXX XXXX. Wells Fargo said yes mailed out the paperwork told me to fax it back which I did. My vehicle was in an accident the week before XXXX I had to pay {$1000.00} deductible towards the repair. In XX/XX/XXXX when I called to make XX/XX/XXXX payment they told me my truck was out for repo that I was 120 days late. Customer Service Agent refused a payment until I threatened to file a complaint told her I had returned my deferment she said too bad that I had not. I had to fight to get a manager. Than my car engine caught on Fire a week later the alternator was ruined and so was the entire electrical system. I opened a claim with XXXX called Wells Fargo to say I had to hold off on my scheduled payment until the mechanic knew if the car was totaled or could be repaired. My case manger screamed at me that I still had to PAY even though I told her it would be covered under the insurance policy if it was totaled and that XXXX said entire loan would be paid. I finally got my truck back 14 days later it cost {$980.00} for new wiring & a rebuilt Alternator but my oil tank was still leaking and the transmission is mixing. Wells Fargo has refused all payments from me in the past two weeks and they will not honor the deferment that was supposed to be granted even after I emailed the copy to the Office of the Dealer President and spoke to them about the refused payments on a truck with 141,000 miles XXXX. I can not pay over the automated system since XX/XX/XXXX when they disabled my account at XXXX the guy on Thursday laughed and they lady on Friday said it was too late. They have misapplied previous payments and than sent out letters months later apologizing they are horrible to work with. I have had this loan since XX/XX/XXXX XX/XX/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 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I 'm having a few problems. I first need hard copies of all  XXXX  credit reports to provide attorneys and I can not obtain the hard copies needed. I tried pulling them online and calling to get copies and   XXXX   has created this runaround and I ca n't get the hard copies I need, as required by law. I was told by an Attorney to document findings with the reporting agency, credit bureau and to document the dispute process with the credit agencies and I ca n't!!! I am simply trying to resolve inaccuracies reported and on my report and can not.   XXXX   has failed to create a way that supports consumers correcting the costly errors and that 's a serious problem.

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 12/14/2016 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Optimum Outcomes reported XXXX medical bills on my credit report. I did not received notice of right to dispute before they showed up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Debt collection (Credit card) with CITIBANK, N.A. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Having financial hardship after XXXX, I fell behind on my Sears Citibank credit card. When I became financially sound, I negotiated a auto payment plan with Citibank 's collection agency. 

However, after a year of auto payments, unknown predatory collection company XXXX bought the debt and demanded I pay the debt in full, or they were going to sue me. 
I called Sears Citibank and said the debt was discharged. 

XXXX harassed me for years by calling my home and work multiple times daily without providing invoices of my credit card transactions. Then, this summer I was wrongfully sued by a predatory law office XXXX who works for XXXX. 

After doing research, I discovered that these two company prey on working class citizens in Louisiana. So, I thought I was being scammed. 

Because I ignore the law suit and could not explain my case in Civil Court, the judge ruled in their favor. To make matters worst, Since my hands were tied, I spoke to XXXX at XXXX and told her I could negotiate after the Holidays. She ignore my request and started garnishing my wages for $ XXXX for a {$3500.00} initial debt. Now, I owe over {$8000.00} and counting. I am embarrassed to go to work. 

Because I can not pay all my monthly expenses ( mortgage, car, utilities, college tuition, medication for XXXX now, I my have file for bankruptcy. My credit score is almost 800.

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 07/25/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: BK discharge of 2014 should have removed all items discharged. My mortgage and XXXX odd credit cards are still showing on my report

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (IL).
Issue: Problems when you are unable to pay

Complaint: I turn in the car in 2010 as a voluntary repossession, at a licensed auto shopwhere I had been getting the fixed since I had it and the agreement was thatthey was to pick up the car and sale it and pay the remaining balances. 
however they never followed up on there end of thing and they lost ownershipof the car cause they never picked up the car or pay the storage fees that hadbeen up at the auto shop so I received a letter asking me to pay or creditacceptance and neither one of us followed up and we both lost the car!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation