milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-12-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CT).
Issue: Loan servicing, payments, escrow account

Complaint: The XXXX 2015 statement for my second mortgage with Ocwen Loan Servicing showed a dramatic increase in the amount due for my second mortgage. I called Ocwen on XXXX XXXX to find out what happened. In XXXX or XXXX, 2015 XXXX Ocwen wo n't clarify XXXX, Ocwen submitted a double-payment from my escrow account to the insurance company XXXX XXXX XXXX XXXX. During that XXXX XXXX phone call, Ocwen told me that the additional charge would be removed and I would receive a revised statement within 7 to 10 days. I was also told that, as a courtesy due the inconvenience, the {$14.00} late fee applied to my account would be removed. I still have not received an accurate XXXX statement for the second mortgage. Based upon harassing phone calls from XXXX to XXXX Ocwen is now demanding that we send them over {$1100.00} to compensate for its mistake. Ocwen insists I received a refund from XXXX, which I have n't, and is demanding the refund check. I have been on the phone with Ocwen several times and the company is refusing to send me an updated statement with the additional escrow removed XXXX as was told to me on XXXX XXXX XXXX and Ocwen is refusing to work with XXXX to fix its costly error. My patience with Ocwen has worn thin, and I have had to yell and curse over the phone with every representative that has harassed me. Every call is driving me crazy and I end up hanging up every time. These Ocwen representatives wo n't listen, wo n't comply with the terms of the mortgage, and wo n't solve their own errors.

Company response to consumer: Closed
Consumer complaint received 04-12-2017 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The accounts listed below are showing inaccurate information. The late and missed payments were removed by the companies when i submitted my goodwill letter and enrolled in auto pay. I disputed with Experian and the innacuracy was updated, which lets me know that the companies XXXX, and XXXX Bank were not contacted by Experian at all..Tis information is reported falsely and innacurately by the Experian, which is hurting my credit score. 
XXXX Credit Card XX/XX/2014 Open - Current 1 Missed Payment {$33.00} 8 % of Credit Limit* XXXX Credit Card XX/XX/2014 Closed 3 Missed Payments {$0.00} XXXX Credit Card XX/XX/2014 Open - Current 4 Missed Payments {$10.00} 2 % of Credit Limit* XXXX Credit Card XX/XX/2014 Open - Current 5 Missed Payments {$4.00} 2 % of Credit Limit*

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 06-12-2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Making/receiving payments, sending money

Complaint: The Bank of America allegedly took the part of a seller of debt credit without screening how appropriate its consumer base was when doing so. It was negligent in the screening and should be held accountable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: At issue is a XXXX account from XXXX. The debt collection company, Stellar Recovery, is attempting to collect a debt that was never owed, and illegally trying to do so. 

The XXXX account in question was closed in XXXX or XXXX of XXXX and all equipment was returned to the local XXXX office. XXXX billed me for the equipment in XXXX XXXX, and I contacted XXXX to deal with it ( proving that I had returned the equipment ) to put the issue behind me, or so I had thought. 

Stellar Recovery must have bought this " claim '' against me in the past year because I started receiving an overwhelming amount of calls from them at all hours of the day. I told them that there was no claim here, but they continued to contact me until I told them to no longer contact me. 

I, again, thought this was behind me. I was checking my credit report today and notice that there is an unpaid collection that was filed in XXXX of XXXX by Stellar Recovery in the amount that they assert. Note, that even if Stellar Recovery had a valid claim, it was no longer legally enforceable because the Tennessee statute of Limitations had run its course ( limit of 6 years that runs from when the demand could have been made ). 

This is outrageous and unacceptable. Stellar Recovery is attempting to strongarm me into paying a debt that I never owed based on what is a clerical error at best, and an outright lie at worst. Moreover, as a company that specializes in debt collection, they are well aware of statutes of limitation, it is my contention that they are intentionally misrepresenting the collectability of the debt to the credit bureaus, and that the report should be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: My identity was stolen by a person who opened accounts under my name with XXXX and XXXX. The problem now relates to XXXX. XXXX merged with XXXX. XXXX sent an account in my name to a collection company called Diversified Consultants , Inc. a/k/a DCI. I filed a police report with my local police about this identity theft XX/XX/XXXX. I applied for a mortgage and it was reported by XXXX that I owed XXXX {$1900.00}. I never have had any accounts or done any business with XXXX or XXXX. DCI had reported my account as " collection '. The lender tried to resolve this matter. I joined in a conference call and the man calling himself XXXX XXXX at DCI told them : the balance is still owing ''. This conference call was made to XXXX. He lied and insisted throughout the phone call that I had to pay this balance. Additionally, DCI had this account listed as a fraud and continued to try to collect this debt when they had full knowledge that I did not owe them money.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Student loan (Federal student loan servicing) with Eastern Revenue, Inc (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX,2013 XXXX XXXX was already paid. However its still showing on my report that I owe {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Mortgage (Conventional fixed mortgage) with Trinity Financial Services, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Trinity Financial Services, LLC a collection company formed in XX/XX/XXXX invests in distressed XXXX loan mortgages caused by the collapse of the housing bubble in XX/XX/XXXX. Because our home was over XXXX underwater XXXX XXXX XXXX through " Making Homes Affordable Program '' helped us keep our home by charging off our XXXX loan and restructuring our XXXX loan including escrow fees, taxes, and insurance which we have been paying down and remain current to this day. Nearly a decade later, Trinity has found a way to capitalize on the recovering housing market by picking up written off XXXX loan mortgages at pennies on the dollar and foreclosing on people 's homes unless the homeowner pays them outrageous and unreasonable profits. Although their websites states they achieve their success by " building relationships and working closely with homeowners through a variety of workout options including modifications and settlements '' this statement could not be further from the truth. Trinity 's MO is to bully the homeowner into paying the full unpaid balance plus ALL interest or suffer foreclosure. They lull you into thinking they 'll work with you by initially offering a modification or a reasonable settlement but it 's nothing more than a method of strengthening their position by gathering all of your personal information. It would have been ideal had they notified us in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX but they chose to wait until XX/XX/XXXX, during the recent housing spike, to contact us in order to resolve this matter because it was in their best interest to do so. I blame XXXX XXXX XXXX for falsely leading us to believe we received a principal reduction and Trinity Financial Services, LLC for remaining dormant by intentionally failing to notify us over all these years for the purpose of maximizing their profits at the expense of the unsuspecting homeowner. Not to mention they have a HUGE problem with the chain of assignment as the assignment deed of transfer documents purporting lawful assignment and thus lawful standing to foreclose appear fraudulent and incorrectly dated rendering standing and the security instrument VOID under the law. With all the improprieties in the chain of assignment and it 's execution they still assert lawful standing yet fail to produce an original note. As a law abiding homeowner we are left with no choice but to defend our only family asset in legal court system. We have invested 11 years on paying this home down, investing our hard earned money on repairs and up keep, on improvements just to let our home go into the hands of these unethical debt collectors. Most homeowners do n't have the money to contest these wrongful foreclosures in court and Trinity knows that which is how they get away with their. They need to be STOPPED!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX   XXXX    XXXX   claims that I have a charge off credit card in an unknown, unidentified amount. Disputed multiple times, they say they are verified without sending me validation of original paperwork with my signature in wet ink.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services , LLC . 
XXXX XXXX XXXX, XXXX XXXX Adjustment B Account Number Num : XXXX Balance {$2800.00} Dear XXXX, I am writing in regards Adjustment B account on my credit report. On XXXX/XXXX/16 I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

As of today XXXX/XXXX/16 I have not received any information or correspondence regarding this account. 


I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my XXXX, the Federal Trade Commission and the XXXX XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: This was a tax lien that was filed for property taxes. I sold the home on XXXX and I paid the prorated taxes in the closing. Called XXXX XXXX XXXX XXXX XXXX XXXX and since I was the owner for XXXX 2015 the Tax Lien was filed against me. The property taxes was the responsibility of the NEW OWNER. I called the new owner and was told that HE was late paying property taxes. The TAX LIEN was not my responsibility. I have the DEED showing that the property was no longer my responsibility.

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 05-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: "  XXXX  '',  ( along with  XXXX  & Experian ) has b een reporting completely FALSE information about me for months now. I have tirelessly paid off my credit card bills by at least 85 %, and they still have me at an ENORMOUSLY HIGH level of credit card use. This is SEVERELY HURTING me, as I have been trying to trade in my car, and should be AT LEAST  XXXX  pints higher on my   XXXX    Credit Rating.   They have a plethora of misinformation from my company being called  XXXX   XXXX  ( which Ive never even heard of ) to OLD ACCOUNTS that were discharged in bankruptcy YEARS ago and are suddenly popping up NOW. I have spoken to their RIDICULOUS and RUDE OUTSOURCED operators. I have sent them letters. And NOW I have spoken to the most powerful CLASS ACTION attorney in the country who agrees with me 1000 % on   XXXX   XXXX   UNFAIR and ILLEGAL business practices, as they are doing the SAME THING to 10 's of THOUSANDS of people. They transgress FAIR CREDIT REPORTING LAWS, AUDACITY LAWS, and a plethora of other LAWS ... THEY NEED TO BE PUBLICALLY called out on their unfair consumer practices and I believe they should be SHUT DOWN in entirety.     I sent the " Above '' complaint to the BBB ....   After ALL of that,  XXXX  NOW has created a NEW ALERT that I have NEW EMPLOYMENT with  XXXX   XXXX !!!! Was it NOT CLEAR that I have NEVER HEARD OF  XXXX   XXXX ?????   They are SO OFF and SO DAMAGING ...   I can not believe that they are allowed to RUIN my life in this way ... ..   EVERY CREDIT CARD is paid off.

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 06/24/2016 about Mortgage (Home equity loan or line of credit) with PENTAGON FEDERAL CREDIT UNION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: The Pentagon Federal Credit Union has deliberately " re-aged '' XXXX of my old credit accounts and illegally changed the Date of First Delinquency to a later date causing the negative credit listing to remain on my credit report longer than allowed by federal law. 
I submitted a dispute to the Credit Union where I provided undeniable evidence that the Delinquency was more than XXXX years old and should have therefore been deleted from my credit file, according to the Fair Credit Reporting Act ( FCRA ). The evidence particularly included Credit Union 's own prior letters in which they clearly indicated that the Delinquency occurred more than 7 years ago. 
Nevertheless, the Pentagon Federal Credit Union completely ignored such evidence and maintained that their records and information they report to credit agencies are correct. The Credit Union has also refused to change the information on my credit report. 
The continuous reporting of the incorrect information unduly damages my credit file and prevents me to refinance and obtain business credits, causing monetary losses and distress for me, my family and my business.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Rewards

Complaint: I signed up for the Chase XXXX credit card and the contract included a XXXX for XXXX International Business Companion benefit. However, that benefit was NOT as advertised. I paid for a year of the benefit ( per the contract ) and those benefits did not last the year I paid for - they actually were restricted and ended on XXXX XXXX, 2015. Chase blatantly lied about the card 's benefits so I want my annual fee back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/31/2016 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (AL).
Issue: Money was not available when promised

Complaint: I sent {$1700.00} and it 's been under review since XXXX I 've been on hold since XXXX and it 's now XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (IN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I contacted  Capital One  on numerous occasions, regarding the issue of unauthorized inquiries from their company on all three of my credit reports. I faxed my first letter dated     XXXX   XXXX   XXXX       and asked them to remove the inquiries and to also forward any documents that showed I agreed to apply for their credit. I did not apply for their credit and I suspect this is a result of fraud.  <P/> They replied with a letter, dated    XXXX   XXXX   XXXX     , which did not address my issue. Instead, their letter explained the different types of inquiries on credit reports. Capital One did not investigate my issue at all.  <P/> I mailed a second letter dated   XXXX   XXXX   XXXX    . Capital One sent a letter back dated   XXXX   XXXX   XXXX    . Not only did they failed again to address my problem, but they sent an exact copy of the first letter. I highly suspect my letter was not looked over by a reputable representative.  <P/> I finally called  Capital One on    XXXX   XXXX   XXXX     and spoke with an agent. They were able to pull up an application with my information. They told me I had to call in the next day since my application was in their " archives, '' and it could take up to  24 hour s to access the info in order to remove the inquiries from my reports.  <P/> I called back   XXXX   XXXX   XXXX    . I was unable to reach anyone since their lines were busy.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (IL).
Issue: Closing on a mortgage

Complaint: I had a mortgage with Ditech Financial and decided to refinance with them to get fixed rate. I received a good rate and everything looked good during application process but later turned out that both loan officer and loan processor had very little knowledge about the process. The loan processor   XXXX   XXXX   seems not to have any knowledge at all, he was giving me confusing information all the time and after closing totally ignored me. The major issue arised with real estate taxes when they decided to take almost {$3300.00} at closing to pay taxes shortly before real estate bill came out. After the closing, when i received tax bill and found out that it is around {$1000.00} less i made several calls and emails to loan processor and loan officer and received no response.After few days trying to call different departments at Ditech no one knew where my money was if it was paid already or not. Finally i contacted the title company and was told that the check was already sent. Now i have {$1000.00} overpayment and it will take forever to get the money back. All because employees from Ditech do n't know what they are doing and ignore customer. I would never do business with this company again.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Debt collection (I do not know) with CAVALRY INVESTMENTS, LLC (IN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I received a notification on my credit monitoring about a new item on my credit report. When I pulled it, it listed this company on my credit I never heard of in my life. The account is listed as bad deb write off included in chap XXXX petition with a XXXX balance, no other information. I have never received a phone call or a letter from these people ever. I do n't even know who they are collecting for. My bankruptcy is still in process, it was filed in XXXX 2017 after my XXXX 's engine blew up, which caused me a lot of financial stress and almost lost my job. I have no idea who these people are, never heard from them and I dont understand why or how they can list something on my credit after a Bankruptsy has been filed? I called them and they wo n't talk to me because of the bankruptsy. I dont even know who they are supposidly collecting for?

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have contacted XXXX XXXX four times on four separate dates to fix my credit reporting. I wasnpersonally discharged of the mortgage following my bankruptcy in XXXX all of a sudden, XXXX XXXX began reporting to my credit bureaus again this year, in XXXX and XXXX of XXXX. I am now being declined for a new mortgage because of their inability to properly handle their bankruptcy cases. the reporting needs to be removed immediately or I will file a suit, as I have already reached out to my lawyer.

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