milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/15/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: Last week I received a suspicious letter from Ocwen Loan Servicing indicating they have " been made aware that you have retained an attorney as counsel '' and that " As a result, all future correspondence that is meant for you will be directed to the attorney ''. 

See document below. 

The reason this letter is so suspicious is that it is completely at odds with the facts : a ) I have never asked any attorney to represent me for any dealings with Ocwen at any time ; b ) I have never missed or been late on a single mortgage payment to Ocwen Loan Servicing in the 4+ years they 've held my mortgage. I am gainfully employed in XXXX ( I 'm a XXXX ) with a XXXX-figure salary, and have no reason to believe I will ever have challenges paying my mortgage. My mortgage is in perfectly good standing, and has always been. 

c ) Prior to this letter today, I had never received nor sent any correspondence of a remotely legal nature from/to Ocwen. 

Given the well-documented history of Ocwen and legal actions taken by states against Ocwen for their improper home foreclosures ( legal actions which XXXX XXXX is working to enforce ), my first presumption was that Ocwen is trying to position themselves to do something improper on my mortgage -- like claim a failure on my part to respond to issues they will trump up and document in the future. 

Can you please advise me on what I can / should do to deal with Ocwen? 

Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: On approximately XXXX 2016 XXXX & XXXX billed me {$1100.00} for unsolicited services for cell phone and tv usage which I never approved. After calling XXXX XXXX XXXX and spending many hours on the phone disputing the charges, I canceled all of my subscriptions ( cell phone, internet and tv ) after they said they would not be willing to credit any of the erroneous charges. A year goes by and now I have started getting calls from a debt collection company trying to collect this debt. I never authorized the charges and after finding out XXXX XXXX XXXX has been in several lawsuits for frivolous charges like mine, I would like the debt removed and my peace of mind restored.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Med-1 Solutions, LLC (IN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX - XX/XX/2018, {$400.00} PAID IN FULL, yet credit report shows " Account charged off {$400.00} written off ''. 

XXXX XXXX - XX/XX/2018, {$350.00} PAID IN FULL. Credit report shows " Account charged off, {$500.00} written off '', which is completely false! The account was paid and {$500.00} was not the balance and was NOT written off! 

XXXX/XXXX - XX/XX/2018, {$450.00} PAID IN FULL. Credit report shows " Paid, Closed, {$450.00} written off '' Med-1 Solutions - XX/XX/2018, {$160.00} PAID IN FULL. Credit report shows " Collection account. {$160.00} past due ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Mortgage (VA mortgage) with LoanCare, LLC (OK).
Issue: Trouble during payment process

Complaint: I have been notified by the Oklahoma tax commission on XX/XX/XXXX that our property taxes have not been paid. I called Loan Care XXXX our mortgage provider of the discrepancy on XX/XX/XXXX. We have all of our escrow up to date and paid with our payments. They stated on XX/XX/XXXX they tried to pay but the parcel wasn't in our name. They assured me they would handle it. I reached out to the Tax commission office and Loan Care had requested the tax letter at the beginning of XXXX which was mailed to them on XX/XX/XXXX. I have since called ( greater of four times ) and submitted the letter to Loan Care with no resolution. I know have received a letter from Oklahoma Tax commission office stating we would have a tax lien placed on our home if taxes are not paid in full by XX/XX/XXXX. When you contact customer service they typically make you wait long periods before answering. I have waited hours on the call back system they have in place. When I asked for a direct line I was told there wasn't want to give. When I called today I was placed on the phone with a supervisor who left her contact information and guaranteed a resolution in 48 hrs. XXXX XXXX XXXX XXXX. This is the second time I've been told 48hrs to resolve.

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 11-02-2017 about Payday loan, title loan, or personal loan (Installment loan) with PLS GROUP, INC (IL).
Issue: Struggling to pay your loan

Complaint: I took a loan out at PLS to send my daughter to college I was current with my payments up until the last month I missed two payments I tried to explain to XXXX XXXX XXXX I did n't have the funds due to my other unexpected bill for my car. I told them I can come in the store and make a missed payment they told me they do n't accepted partial payments. I asked the lady to work with me on my payments she said a manager will call me because they put my check I wrote them when I got the loan through to the bank. I stated do n't put that check through I will come to the store and make payments. XXXX caged this check on XXXX/XXXX/XXXX putting my account over XXXX dollars in the negative. I told them I did n't have the funds can they return it and I will setup payments they declined the lady in collection told me my account was paid and closed. A few days later I received a call from XXXX XXXX XXXX saying I have a balance of XXXX dollars with them I told her you guys just deposited a check for XXXX In my account I do n't owe you anything she stated this is interest from when we tried to deposit the check earlier in XXXX. Today I received a call from my HR dept stating this loan store sent an intent to assign wages for the full amount today. They already received their money and trying to get extra.

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 08/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FIFTH THIRD FINANCIAL CORPORATION (TX).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Contacted me through email, address was " XXXX '' ( XXXXXXXXXXXX ) Documents attached state " XXXX XXXX XXXX '' and " XXXX XXXX XXXX '' Asked to send verification via usps, received letter from " XXXX XXXX XXXX '' return address checks out as a courthouse in CA. Letterhead states " professional litigation '' and " ... this law firm.. '' This firm also claims it had sent mail in the past. I have not recieved anything until recently. A " mimi-miranda '' or " attempt to collect '' was also not sent. 
As I feel more comfortable sending corresponsdence via certified mail, the courthouse address is not acceptable, especially when one is expected to send bank card info back via email ( XXXXXXXXXXXX ) or by fax.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Credit reporting () with ESCALLATE, LLC (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Escallate LLC ( phone number XXXX ) failed to file proper health insurance claims and went ahead without informing me to file a collection on my credit. They ruined my credit, now I have been denied a refinance mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 10/27/2017 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The original creditor : Car Care One attempted to charge me for some unknown service many years ago. I disputed with the company about this false charge stating to them they had no proof of me ever authorizing such a charge, and requested that they some me proof. They could not. The matter seemed dropped. This was approximately 6-8 years ago. This is, and always has been, a false charge. I have no paperwork from this company. They never sent any. 
The issuing bank : GE Moneybank Apparently they have dug this up and sold this false charge to the collection agency : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX They never contacted me all these years. Now the erroneous charge is nearly doubled with interest. 
The original amount : {$600.00} Interest : {$500.00} for the total of {$1100.00} It was a fraudulent charge then, it 's a fraudulent charge now. Again, they could not provide any proof that I ok 'd this charge for an unknown service. 
I have no contact information for either Car Care One nor GE Moneybank

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 05/18/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX. These accounts has been removed from my credit report : XXXX File # XXXX, Investigation Date XX/XX/2015, From the Company XXXX XXXX : Amounts {$480.00}, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I have already called the Company who send the accounts to collections, FL. Hospital. They said that once they send the accounts to collections they have nothing to do with the accounts anymore. I have disputed these same accounts 3 times from XXXX different companies and they were removed, now these same accounts is on my credit report again from a different company ( XXXX XXXX XXXX XXXX ). THIS HAS TO STOP. I ca n't move forward to improve my credit untill this matter is over with. PLEASE STOP THESE ACCOUNTS FROM CONTINUING TO COME ON MY CREDIT AGAIN. All of these accounts has been removed. THANK YOU XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: I went onto the Experian site to obtain what I thought was a {$1.00} credit bureau report. Suddenly, I found out later that they tricked me into buying a monthly credit tracking service. I never intended to order this product. Nor do I believe it was made clear on Experian 's web site that I was ordering this service. Upon learning what happened after the first monthly fee appeared on my credit card, I immediately cancelled the product and demanded a refund of the one month fee of {$21.00}. 

The customer service rep and his supervisor refused to give a refund over the phone. I was asked to submit a written request, which I did, and was subsequently again told they would not refund the money. I can not accept this. I never wanted the product. If it was written somewhere on the Experian site, it was done so subtly that I did not notice it. I feel they tricked me into buying the product and spending this money and now you will not refund it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/2015, I noticed a fraudulent activity on my Bank of America ( BOA ) account. I noticed that the Agency that perpetrated this heinous act, is the-same Agency that is withholding money from my Job payroll dept, as we agreed. Unfortunately, however, BOA allowed the same agency to withdraw all the little money in my account ; that I use to feed my family, without even notifying me : thereby endangering the welfare of my family, as I could no longer provide food for my children nor pay my rent. To this end, I requested BOA close the account, and they have vehemently refused, stating that I still have fees to pay. To this end, I am appealing to you to mandate BOA close my account because I do not want to do business with a bank that will endanger the welfare of my family.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (IN).
Issue: Shopping for a loan or lease

Complaint: I received a letter dated XXXX/XXXX/XXXX from Credit Acceptance in regards to my initial letter to them disputing a credit inquiry that was on my XXXX credit report. They stated that this was confirmed. I never applied for any loan product with company or any affiliates. The inquiry is dated XXXX/XXXX/XXXX. I do not have any loans with 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 non-monetary relief
Consumer complaint received 10/30/2016 about Credit card () with DISCOVER BANK (NJ).
Issue: Payoff process

Complaint: I have had a credit card with Discover. They closed my account which is fine. However, the company is asking for more money than I owe and as I pay the balance just increases. I need assistance with this. I do n't mind paying for what I bought but not all the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: My name is XXXX XXXX. I recently reviewed my credit and noticed two accounts that were not mine at Synchrony Bank one at Walmart which was removed for Fraud by Synchrony Bank and another at Ashley Furniture not removed. I never signed or ordered any furniture from Ashley Furniture. I live in a fully furnished apartment in XXXX XXXX. I received a letter because, I had to go to the post office and have any mail at the XXXX XXXX address used forwarded to my address in XXXX XXXX, denying my claim of fraud from Synchrony Bank for Ashley Furniture, unbelievable as they honored the Walmart fraud complaint. I never made any payments, I never signed a contract and the furniture was delivered to an address that I am not affiliated with nor did I sign for any furniture. Who ever this person is used my information and a different address. I asked Synchrony Bank to verify signatures on the contract etc., They told me they did. That is a lie, they never asked me for my signature so how could they compare it to the contract? I am disputing this account as fraud. I was told on X/XX/2017 to go to the furniture store and was given the address to the store by a Synchrony Bank person to get a letter stating that it was not me. I went to Ashley Furniture on X/XX/2017 and the manager said they have nothing to do with it that it is the bank that handles it. Why would a rep. from Synchrony send me to the Furniture store? I am concerned that this has been handled inappropriately. I do not accept the way this was handled.

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 11-12-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am responding to your contact about collecting a debt. I have been receiving mails from MIDLAND FUNDING LLC to collect debt of an amount of {$710.00} and identify the debt as from XXXX. 
However, the information provided in the letter is grossly inaccurate. 

I vividly remember acquiring the XXXX debt in 2012, but that debt has been closed according to my credit report at the time. Furthermore, I am not aware of any purchase of that amount as I have never purchase anything over the amount of {$400.00} on credit, except for cars or housing. This collection on my credit report has significantly lowered my score

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Diversified Consultants whose phone number is XXXX have reported a XXXX account on my credit report that was a prior identity theft reported account from a few years prior by XXXX XXXX. This has made my credit score fall from the 800s to 700s. Both the original collection company and XXXX were sent all the documentation showing this was an account created falsly using my social back in XXXX. XXXX XXXX also ran my credit for some reason in XXXX of XXXX. The reported account was filed on my credit by Diversified Consultants in XXXX of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/23/2017 about Credit card or prepaid card (General-purpose prepaid card) with INCOMM HOLDINGS INC. (FL).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: Back onXX/XX/XXXX six transactions in the amounts of {$69.00}, XXXX, XXXX, XXXX, XXXX, and XXXX were supposed to be disputed from XXXX due to me not receiving the merchandise. As a result, the representative informed me after receiving the other dispute forms for the transactions XXXX, and XXXX that i have nothing to worry about the other 6 disputes was taken care of. as a result 5 months later after constantly calling XXXX XXXX and the merchant XXXX i never received my refund or my merchandise i spoke with someone on XX/XX/XXXX by the name of XXXX who was a supervisor who made the horrible comment of " it 's nothing we can do about these other disputes because it is out of the 60 day time frame ''! I stated to XXXX how dare you put the blame on the customer because of the employee mistake because i specifically told the representative about the other 6 disputes so clearly it is not my fault. let alone i included the other 6 disputes on the second dispute form that they 've received and still stated that they 've never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (PA).
Issue: Credit decision / Underwriting

Complaint: On XXXX/XXXX/2016 Chase Mtg. recived a check for the balance of my loan, payment in full. Chase reported on XXXX/XXXX/2016 to XXXX a credit score firm a closed account with a {$22000.00} balance, the balance is XXXX not the aforementioned. After checking my XXXX report I learned it shows a open account with a {$22000.00} balance. The account was paid in full 9 days ago and Chase 's reporting to the credit firms is not accurate..

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I disputed the following account historical information with Equifax : XXXX XXXX XXXX account number XXXX and was told XXXX that this historical information has been deleted for this account. Please see attached XXXX communications from Equifax. 
I ordered a credit report today and the historical information for this account remains. 
Please permanently delete this information or account as promised XXXX already.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with QUICKEN LOANS, INC. (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I never sign up, fill out any application or request any mortgage assistance from XXXX  XXXX. this company is shown up on my report with out consent. I have sent a letter on XXXX/XXXX/XXXX requesting that inquire to be remove from my XXXX. this company is listed as a XXXX XXXX agencies with no number address to be able to request proof of signature that authorization was given to pull report

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Bank account or service (Other bank product/service) with HSBC NORTH AMERICA HOLDINGS INC. (TX).
Issue: Using a debit or ATM card

Complaint: I was in XXXX My " debit '' card that I use for ATM purposes was compromised and I was defrauded of about {$2000.00} This international bank does not have a telephone or sms service to alert to a fraud, but they send out an email since it 's a debit card. 

With time difference and my travels for XXXX, I missed the email and was defrauded of about {$2000.00} The bank maintains that since it 's a debit card, I am responsible for the loss even though I explained to them that fraud occurred before its alert email. and once, I had called them in response to the alert, no further fraud took place. 

For a credit card abuse and theft, there is a complete protection. Why do n't banks offer similar protection for the debit cards when they issue them in the first place

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, XXXX I opened an account with SunTRust Bank with an offer in witch they offer me a reward of {$250.00}. The terms and conditions where : earn {$150.00} by depositing at least {$100.00} within 14 days of account opening and completing at least {$500.00} in Direct Deposit within 60 days of account opening. 
And earn an addition {$120.00} by continuing to maintaining at least {$500.00} in monthly direct deposits until XXXX XXXX XXXX. 

I did completed both requirements for the offer. I never got any reward from them. 
Since XXXX XXXX I been going to the branch where I opend the account and talking with the manager XXXX XXXX XXXX, phone number XXXX she has n't been able to get my reward. We submitted a complaint with Research contact center, and a lady call XXXX XXXX XXXX extension XXXX, call me on XXXX XXXX, XXXX and told me that they made a mistake and that i was supposed to get my {$250.00} reward in 4 weeks ( XXXX XXXX ). 
Today is XXXX XXXX, and I have n't received my reward, XXXX is not returning my calls. I do n't know what else to do! 
I really hope you can help me to get my rewards so I can close my account and never again doing business with SunTRust. 
Thank you XXXX XXXX XXXX XXXXXXXXXXXX

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