milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (IA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I paid this bill with another collection agency at the beginning of the year. I have called thus company 3 times telling them I have paid this bill. They told me the first time I called which was soon after I paid it that it takes a while to get it off the credit report. The second time I called was a couple months ago and I was told it should be off soon and give it another 45 days. The third time I called which was today ( XXXX/XXXX/16 ) they said they do not know why it is still on there and they can not do anything about it and to contact the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I ca n't get in contact with this servicer! My pay date is coming up and I am unable to pay it due to the technical difficulties on their end. Why should I be penalized because their technology does not work?! They 've already destroyed my credit for reporting my student loans without my knowledge and by not letting me know my repayment terms. 

What they do is put their information about repayment on their site and make you sign up for it. So, if you have not received any notification or mail from them ( you 're automatically on an e-bill only cycle ), you 're XXXX. You have to register an account with their site to see any notifications. I did not even know who my servicer was until 120 days after my bill was due! This servicer XXXX. They denied my income repayment request, in an attempt to drop my payments from a ghastly {$500.00} a month ( well over XXXX % of what I take home a month! ). I had to call late to work and beg these XXXX to not to destroy my credit even further and I finally talked them down to a temporary forbearance and a repayment plan that worked. This took 7 hours. They denied my credit fix request outright because they think I 'm supposed to be psychic and know that I had to pay the loan XX/XX/XXXX when they did n't even contact me until XXXX XXXX! Now my credit is XXXX points less than it was and I do not even know how to proceed to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: We purchased our home in XXXX. In XXXX my husband, who is the mortgage holder, became permanently XXXX. We began having difficulty making our mortgage payments and since then we have exhausted all of our funds i.e. IRA 's, Stocks etc. in order to make our mortgage payments but unfortunately the last mortgage payment we were able to make after exhausting all of our funds was in XXXX XXXX. Since then Wells Fargo has begun foreclosure proceedings. We have had our first foreclosure conference so far and the XXXX conference is scheduled for XXXX XXXX, XXXX. During the XXXX conference, the referee told us that we had to apply for a loan modification but in order to be approved we had to increase our income. I explained to her that I am seeking employment but that right now our only source of income is my husband 's social security XXXX income I also informed her that we can access my husband 's pension early if we choose to and that in XXXX XXXX, I can retire at age XXXX. The referee said that we should include in the modification request, proof of how much additional income we will be getting with my husband 's pension and with my social security, which we did. A Wells Fargo representative called today stating that our modification request was denied because a ) our investor does not participate in HAMP. When we first got our mortgage, it was a XXXX XXXX mortgage ( who does participate in HAMP ) but I was told that it has since been sold and the investor now is XXXX ( XXXX, who does not participate in HAMP, ) and B ) our income is too low. I asked how it was determined and I explained again about the pension and retirement income but he said that those amounts could not be taken into consideration because we are not yet receiving that income. I would also like to add that we do not have major credit card debit, we do not have an auto loan ( our car is 8 years old, ) and the only reason we are in this position is because my husband became ill. He is an end XXXX. He is XXXX. He is currently in a XXXX and will be coming home hopefully within the next month after having been in XXXX on and off for almost a year. We do not want to lose our home that we worked so hard for and we are respectfully asking if there are any other options for us. We have not yet received a formal denial letter for a loan modification. A Wells Fargo representative called me today by telephone to alert me of the denial.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Struggling to pay mortgage

Complaint: I was informed this week that th e Office of the Consumer O mbudsman office has received my file for my short sale complaint wit h Ocwen t hat has been file d  XX/XX/XXXX  and will have a written response  XX/XX/XXXX .      XX/XX/XXXX  I w as sent an conditional short sale approva l by Ocwen an d for some reason everything fell apart. Even whe n Ocwen  had all the papers required by the home owner and a buyer. 11 months later am still being told by Ocwen is waiting on the lender of the loan. This was not the case when my agent  XXXX   XXXX  called Ocwen last month and was informed by an individual in the short sale department that the papers was never forward to the lender instead it was being reviewed by the underwriters of Ocwen.   Ocwen has been sending payments to my home I MUST PAY when I sent Ocwen a hard ship letter informing them I have fell on hard times and do not have the money required to keep the home.   Recently I have been getting multiple Notice o f Default and Election  to sell under deed of trust stating " you must pay all amounts in default at the time payments is made to stop the foreclosure '' I have attached the documents as stated in this statement for your eyes only.   The home has been vandalized and just to get it up in living conditions am looking at over  20  thousand in repairs, little over  9, 000 dol lars in late payments and behind on property taxes. All this Ocwen knows but they put the blame on the Lender when they have admitted they never passed on the documents to the  Lender.    Please help this is now the 11 month going on a year. Also am being informed by  XXXX   XXXX  that Ocwe n  is reporting me to the credit bureau 3 times a month for not paying the mortgage when I have been trying to get this short sale to go through.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Debt collection (I do not know) with Cohen McNeile & Pappas, PC (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I received a collection letter from a law firm representing XXXX XXXX. They claim I owe {$14000.00}. They demanded that I pay on the debt. The letter was addressed to me by a former name that changed 17 years ago, not my current name. I was divorced in XXXX of XXXX. I have a credit card with XXXX, but in my current name. I believe my identity was stolen and used to make charges on this account that I know nothing of. XXXX had no correspondence with me prior to this letter. The letter did n't even let me know an account number. The law firm is now taking me to court to make me pay these fraudulent charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Credit reporting () with Experian Information Solutions Inc. (DE).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX, DE XXXX XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : XXXX XXXX, TX XXXX XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX, TX XXXX XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX, DE XXXX XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX via XXXX XXXX, DE XXXX XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : XXXX I did not authorize these company that I listed above to run my credit on my credit report due to the law under section 604 of the FCRA they broke the law by sharing information that i did n't authorize.

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 06-04-2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (MO).
Issue: Loan modification,collection,foreclosure

Complaint: I have been attempting to get a modification on my home loan since XX/XX/XXXX. I have been given the run around by Chase for the entirety of this process. I have been asked to send entire application packets no less than XXXX times in the process of this modification. I have had several different representatives when in the application process. Now that we are to the final modification documentation, Chase is attempting to collect additional funds that would not have been incurred had they completed their part of the modification process in a timely matter. In addition to the balance of the home, Chase is asking for {$14000.00} in interest, along with other fees, and resetting my loan for a total of {$97000.00}. In addition to the {$14000.00} in interest they are asking for, the funds from my trial modification, {$2100.00}, have not been calculated into the final modification documents. I am also being asked to pay an additional {$330.00} in closing fees for a modification. During this process, Chase has also failed to take the true value of my home into consideration. According to XXXX XXXX, MO tax records, my home is valued at {$85000.00} as of XX/XX/XXXX. I have made many attempts in contacting Chase in regards to these issues, but have only been responded to with " YOUR ESCALATION REQUEST HAS BEEN ANSWERED AND IT HAS BEEN CONFIRMED THAT ALL INFORMATION WAS TRUE AND CORRECT THAT WAS CONTAINED IN THE FINAL MODIFICATION DOCUMENTS. '' I do not feel that they are willing to make a modification that benefits the customer, rather a modification that benefits Chase. 


I do not feel that I should have to pay {$14000.00} in interest, since it is Chase that has dragged their feet in this process. No interest should be charged on top of an interest-bearing loan. 

I should not have to pay closing fees ( {$330.00} ) on a modification of an existing loan. 

The funds that I paid during the trial modification, {$2100.00}. should be applied to the final modification documentation. 

I also feel like Chase needs to include a 3 year home warranty ( the length of time it took for Chase to modify this loan ) if they are choosing to create a new loan instead of modifying an existing loan.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Mortgage (FHA mortgage) with PRIMARY RESIDENTIAL MORTGAGE (FL).
Issue: Settlement process and costs

Complaint: I had a house fire. XX/XX/2017 the insurance company finally sends the undisputed amount. I signed and sent it off to my mortgage company. I 've been reaching out to them for two weeks. I asked that they send a third of the XXXX so me and fianc can start demo disposal and start and complete the roof. Of course we will have help from family and friends that works in this field currently. Being that the undisputed amount is n't near enough to restore my home so we are having family that knows what there doing come in and help us because we have to try and make this money work for repairs until we finish disputing the rest of the funds with insurance company. I advised that I 'm handling this as a owner build and there will be no licensed contractor. They ( the mortgage company ) keeps insisting that I have one and I never signed a contract or a policy in my mortgage stating that I have to have one. Mortgage companies give customers the run around with the insurance money only so they can make interest off the money and make investments with the money being a dis service to their customers. We have been out of our home for four months and was badly damaged with fire. The insurance company not sending XXXX like they should so the longer the mortgage company hold my funds for repairs the longer I have to keep paying rent and my monthly mortgage. It 's causing financial hardship on my family. As long as the house is being restored correctly and is up to code and past all inspections and back to the way it was if not better than it should n't be a problem. Their being bully 's and prolonging the time for me and my family to get back in our home. This house has been in my fianc family for over thirty years so restoring and getting back in our home as quickly as possible is very important to us. I have XXXX and this unnecessary stress from my mortgage company is not needed. I 'm having XXXX ( crisis ) because of the whole situation. The mortgage company is Primary Residential Mortgage XXXX. XXXX XXXX, UtahXXXX XXXX or XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Billing disputes

Complaint: Made payments to kohl 's credit card through my Bank under XXXX. Kohl 's keeps calling me and emails me that I owe for charges on line/in store purchases. The payments were made but they have yet to give me credit for my bill paid in full. My Bank has faxed the info needed by kohl 's but I have yet to hear anything from them other than they ask when I am going to make a payment. They have now charged me late fees and interest on payments I have already paid

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Debt collection (Medical debt) with Continental Credit Control (CA).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: A collection agency called : Continental Credit Control XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX on behalf of a MEDICAL LAB has reported negative information without even informing about the debt amount {$79.00}, which in turn has effected my score about 80 points and effecting my MORTGAGE REFINANCING. So I approached this collection agency and even paid the DISUPTED Balance in order to get the score back but this collection agency is NOT responding to XXXX  enquiry sent to them, although I paid {$79.00} instead they are saying their process is they reply only once a month. Please take action against this COLLECTION AGENCY for harassing me and ask them to RESPOND to the XXXX Query.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have been the victim of identity fraud and have contacted the credit agencies about the numerous inquires listed below that were not initiated by me. the credit bureau simply states that i need to contact the creditor. When the creditor is contacted they can not provide any proof where I consented to have my credit run. further more they refer me back to the credit bureau. Im not getting anywhere and want these inquires removed from my file as they are hindering me from obtaining credit and better interest rates at the bank. 
XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX/XX/XX/XXXX XXXX/XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX/XX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX/XX/XX/XXXX XXXXXX/XX/XXXX XXXX/XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Debt collection (I do not know) with Diversified Adjustment Service, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I get a call at different times but every single day from a robot identifying itself as Diversified Adjustment Services ( XXXX ). this has been going on weeks now. It does n't respond to any button presses if i answer. When I do n't answer, these calls fill up my voicemail. I do n't carry a single debt and need these annoying interruptive calls to stop!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
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: I have been disputing this issue with the creditors and the credit reporting agencies Equifax for the past XXXX years about this account! XXXX has removed this fraudulent account from my credit report on the second attempt, but equifax has not resolved my issue at all! I have sent in the supporting documents and the police reports as well!! I have tried on numerous occasions to resolve this issue about. They are saying that I have an open account for the balance of {$7300.00}. This was open without my consent and my personal information and identification was fraudulently used!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of the recent XXXX data breach and identity theft. The following account and hard inquiries dont belong to me : XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX and XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, Furthermore, I have not been XXXX days late with my car payment to XXXX XXXX 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 non-monetary relief
Consumer complaint received 02/15/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Problems caused by my funds being low

Complaint: Chase Bank, where I have a personal and a business checking account, had a system outage around XXXX EST on XX/XX/XXXX, and I was unable to access the website. I needed to do a transfer to avoid an overdraft, so I called in. After being on hold for quite some time ( I 'm assuming due to the outage ), I was told I should call back in the morning, and they would know the system had been down. Around XXXX, I was able to access to website and I put the transfer ( {$80.00} from business to personal checking ) through. 

Sure enough, I woke up to several overdraft fees, as the transfer had n't posted. I called Chase bank, only to be told by every person I talked to that " there was no outage '' and " the system has been up and running perfectly. '' It was like the XXXX XXXX. If my wife had n't been sitting there listening the whole time both last night and this morning, I would have thought I was going crazy. 

Until I checked the websites that keep track of website outages, and sure enough, Chase Bank had massive spikes in outage reports around XXXX EST. I ca n't explain why they would deny that there was a system outage when it 's clearly documented that there was. Either way, it 's led to them collecting overdraft fees that exceed the amount of the initial deficit. I 'm guessing I 'm not the only XXXX. 

Banks should n't just be able to blatantly lie to their account holders without legal repercussions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/13/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with TD BANK US HOLDING COMPANY (PA).
Issue: Unauthorized transactions or other transaction problem

Complaint: I want to open a checking account with XXXX XXXX  and TD bank is blocking my ability to send my first deposit to them from my checking account with TD

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: In XX/XX/XXXX Bank of America noted fraudulent activity on my credit card and replaced the card with a new one. When I received my XXXX statement I noted further fraudulent activity. After a short period of confusion I determined that six transactions were fraudulent. I talked to nine different staff at Bank of America over one month regarding these transactions. OnXX/XX/XXXX Bank of America issued me a letter indicating they were " unable to assist with the fraud claim '' on my account and I was liable for all charges. I did not make these charges and by law should not be liable for them. The six transactions are : XXXX XXXX XXXX ( date XX/XX/XXXX ) ref number XXXX {$130.00} XXXX XXXX XXXX (XX/XX/XXXX ) ref number XXXX {$38.00} XXXX XXXX XXXX (XX/XX/XXXX ) ref number XXXX {$6.00} XXXX XXXX XXXX ( XX/XX/XXXX ) ref number XXXX {$27.00} XXXX XXXX ( XX/XX/XXXX) ref number XXXX {$69.00} XXXX XXXX XXXX ( XX/XX/XXXX ) ref number XXXX {$68.00} These charges total {$340.00}. I have paid these charges but should receive a refund.

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