milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/17/2017 about Debt collection (Medical debt) with Ray Klein, Inc. (OR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have sent them a paid form the insurance company and they continue to charge me.
 XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2015 about Credit card () with DISCOVER BANK (AL).
Issue: Billing disputes

Complaint: My Discover account was included in my bankruptcy filing back in 2010. Unfortunately, Discover has failed to honor the terms of that agreement ; they have consistently reported a past due amount to the credit bureaus even after I 've contested this matter via the credit bureaus and communication to their reps.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I recently switched banks. When I went to change my bank account that was setup for autopay, I put in the new account information and everything seemed fine. I then find out several months later that Navient had flagged my account for fraudulent activity. None of my payments had been processed and they were telling me that I was behind on payments. I then went to check the autopay settings and my bank account information had disappeared. When I tried to re-enter my account information it said that the account was flagged for fraudulent activity and that I needed to have my bank send their fraud department a letter stating that it was my account. I called my bank to inquire if Navient had ever tried to withdraw the money, my bank said that they had not nor had they tried to contact them in any way. I had my bank send them a letter certifying that it is my account over a month ago but they still have my account flagged for fraudulent activity and wo n't let me pay with electronic withdrawal. I have tried contacting their fraud department numerous times but nobody ever answers and the calls just redirect to their overseas call department which are no help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Account opening, closing, or management

Complaint: Chase Bank ( personal account ) allowed the TX Attorney General to freeze my bank account where the only income is my VA XXXX check ( can not be apportioned asper 31 CFR part 212 final ruling XX/XX/2013. I have no other means to support myself or my family. Chase is fully aware the money is coming from the VA, yet they still choose not to follow the law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/23/2017 about Student loan (Federal student loan servicing) with Panhandle-Plains Student Finance Corporation (LA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Contract was cancelled " No Contract '' balance transferred and past the  Rep  orting and Statute  of  Limitation time frame.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/15/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Other

Complaint: In a letter dated XXXX XXXX, 2013, Capital One Bank agreed to satisfy a default judgment against me which had been fraudulent obtained when the process server claimed to deliver it to an address where I had not lived for several years ( previous CFPB complaint CFPB XXXX ). As of today, more than a year later, XXXX County court records indicate they still have not done so. I need for Capital One Bank to do the right thing, as it promised in 2013. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Credit card () with PAYPAL HOLDINGS INC. (OK).
Issue: Credit determination

Complaint: Paypal Credit submitted an unauthorized credit inquiry affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because transunion has ignored my request to provided me with the documents that their company has fine that was used to verify the accounts I disputed Being that they have gone past the 30 day mark and can not veofly these accounts under section 611 ( 5 ) ( A ) of the FCRA thery are required to promptly delete all information which can not be verified * that ihave disputed please resolve ths manner as soon as possible thank you

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 04-04-2016 about Debt collection (I do not know) with WAKEFIELD & ASSOCIATES, INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: They call and ask me all kinds of personal information. When I ask what it is about they say they wo n't tell me until I verify personal information. I wo n't do it. They wo n't stop calling.

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 07/21/2017 about Debt collection (Other debt) with Federal Adjustment Bureau, Inc. (OH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: This business Third Party debt collector Federal Adjustments Bureau Company reported an alleged debt due owing to them. According to my to my records they have never been a creditor of mine and upon severaI request I asked and demanded verification and validation for the debt owed to them as well as the credit bureaus but no changes have been made. I noticed this company intruded into my personal credit file without my authorization, which constitutes a negligent violation. In reference to this matter I 'm requesting that Federal Adjustments Bureau Company be removed from my report. I have no legal binding contracts or agreements with this business.
Federal Adjustments Bureau Company acct. # XXXX {$3100.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax has alerted me that my identity has been compromised. I have placed a freeze on my Equifax credit score as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Navient Solutions, LLC. (LA).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: Pioneer Credit Recovery is Cursing me out hanging up in my face there not willing to negotiate at All. They are not even giving Tax payers a Chance to pay back on the Loans. I 've attempted to send them payments they will not except what I can afford to send them to pay off the loan. Pioneer Credit Recovery is the worst government collection agency collecting revenue for the United States of America. They continue to attempt to Garnish funds form my Job event after I have attempted to pay them and make Payment.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied Interstate LLC (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have been XXXX contacted by Allied Interstate attempting to collect a debt on behalf of XXXX. A call to XXXX confirmed my account with XXXX was paid in full when the account was closed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Account Information Management, Corp. (WY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid AIM Corp in XXXX, and disputed its status with the credit reporting bureaus, as it was paid in full and showing on my credit report. AIM Corp reported to the bureau that the information needed to stand as it was showing, and that I would need to contact them ( AIM ) directly. I called them on Wednesday, XXXX XXXX, and was told that even though my account was paid in full and closed, they would not report that to the credit bureau until THEY were ready to. 

My complaint, therefore, is that AIM Corp disclosed false information to the credit bureaus, claiming that I still owed a debt that I did not owe, and admitted as much to me, causing me financial damage, as I am in the process of obtaining financing for a home loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2018 about Debt collection (Mortgage debt) with OCWEN LOAN SERVICING LLC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Just because the company responds does not indicate the problem was addressed. Complaint # XXXX is not a duplicate but a continuation of my household goods being confiscated immediately after foreclosure as payment for the debt discharged in bankruptcy. XXXX XXXX instructed XXXX to secure the property I was residing in. They auctioned my contents and I need to be reimbursed or the contents returned. I believe a response is not a resolution!

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 01-11-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: While I now have seemingly countless complaints against Bank of America, the only reason for this is because of their continued avoidance to address the issues so they continue on even they inaccurately state the issues have been addressed, resolved, and closed. I still have n't figured out if it 's intentional, some sort of strategy, or just incompetence but that does n't really change the situation that they refuse to deal with the issues. It has gotten to such an extreme that the basis of this complaint is that they are now simply cut and pasting responses. This was never so evident as the last issue which was related to their simply providing document after document and it became impossible to keep up with disposing of the same documents over and over again but yet their response was related to another issue related to insurance. It was a precise cut and paste. The worst part is that the insurance issue was also essentially a cut and paste from previous issues but it required action on their part since they incorrectly accused me of not having insurance when I did and I fear they simply did n't even read the issue and did the cut and paste. This really is leading to the belief it 's incompetence but the funny/sad part is that everyone in this process is being paid for their time except for me and the only XXXX executive in this entire process. My motivation is to get answers, to get fair resolutions, it 's not to waste my time or anyone else 's but the second I stop responding and pointing out these issues is the point where all the previous time spent is for nothing and that 's now in the XXXX of hours which equates to XXXX of dollars. BOA does n't care about my time, they only care about greed and covering their butts when they do make mistakes. Again though and to ensure I 'm clear, the basis of this complaint is simply that they are now providing cut and paste responses which goes even further than their usual avoidance of issues.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 01-11-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (TN).
Issue: Loan modification,collection,foreclosure

Complaint: My home has been stolen by Wells Fargo Bank N.A . but XXXX XXXX XXXX XXXX has fraudulently used XXXX and XXXX XXXX law firm ( out of XXXX XXXX Arkansas ) to foreclose on my home. XXXX XXXX XXXX XXXX signed as the attorney in fact for Wells Fargo NA Bank on a substitute trustee filed in XXXX XXXX, TN registry of deeds. Wells Fargo has foreclosed on my home and sold it back to themselves. They never sent me XXXX bill nor responded to any of my legal requests.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: CommonWealth Financial acc # XXXX is reporting on my credit report. I have not been to the Hospital or had any medical attention and this is not my account reporting on my report with these people. I am requesting full deletion of this account on all credit reports to not be added back.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Debt collection (Non-federal student loan) with Ceannate (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: after talking on the phone with this agency, their practices were very unprofessional. ive read several complaints about them on the web.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Copy of Letter to Principal Reduction-Hardest Hit Fund, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX, Attention -- Inspector General, VIA FAX # ( XXXX ) XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX : OCWEN Loan Servicing abuse of customer that received HHF Principal Reduction Funds, Ocwen Loan # XXXXDear Sir/Madam, We received a HHF assistance in XXXX. At the time, our lender, IndyMac Mortgage, turned over the servicing of our loan to Ocwen Mortgage. 
We made all of the monthly payments on the revised payment amount ( HHF applied our {$50000.00} principal reduction ) on our Ocwen loan. 
I was alarmed to receive a statement dated XX/XX/XXXX, stating that the payment amount due was a negative - {$43000.00} ( All of these Statements are attached ). Then next statement dated XX/XX/XXXX with the same amount due, and a " Suspense Payment '' listed for the amount of {$4600.00} with the payment date of XX/XX/XXXX. The next statement dated XX/XX/XXXX, with a payment amount due of {$4500.00}, with a payment breakdown that I could not understand. The next statement had an payment amount due of {$5100.00}. 
I was in contact with a relationship manager at Ocwen during these months, beginning XX/XX/XXXX, trying to get this straightened, of which I have documented. Her name is XXXX XXXX and her ID # is XXXX. Her conclusion was that the HHF Principal Reduction payment confused Ocwen and she submitted to supervisors for review. It has been in review since that time and you can see from the attached statements and letters and nothing has been done. I believe she is doing everything in her power at her level to get it straightened out, but it seems she not getting any cooperation from her supervisors. 
I have also included a breakdown of the Payment History and some notes on it, along with the Foreclosure Letter received from Ocwen via Certified Mail on XX/XX/XXXX. Also attached is the letter received today from the Attorney stating that we have been referred for Foreclosure. 
The first few pages of the document is the documentation from Principal Reduction-Hardest Hit Fund, XXXX XXXX XXXX XXXX. 
I spoke to Ocwen today after receiving the letter from the attorney, but my Relationship Manager, XXXX XXXX, was not available, thus I spoke to XXXX, ID # XXXX, and he was posting updates for XXXX XXXX to review. 
Any assistance with this matter would be greatly appreciated. We are very frustrated dealing with Ocwen with what seems to be a simple matter with a simple, straight-forward resolution. Please contact XXXX with any questions at cell phone # XXXX, or email correspondence to XXXXXXXXXXXX. 
Regards, XXXX XXXX XXXX : Ocwen Mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I terminated my contract with XXXX cell phone services. I knew there would be a disconnect fee, but did not receive any letters in the mail or phone calls to tell me that the debt was owed. I received a call from a collection agency telling me that I owed money to XXXX. I verified with the person on the phone when I set up the first payment that this had not yet and would not be reported to my the credit agency, as I was not made aware of the debt that was owed. I was assured by the individual on the phone that it had not and would not be reported to credit agencies. This was around XXXX ( I believe ) XXXX. I pulled my credit report the next day it the delinquency had been reported. I called back, and the first person initially cancelled my payments that I had set up, so I spoke to another individual who reinstated my payment plan, but informed me that they had not been able to reach me in 15 days, so they had reported me to the credit agencies. I told her that I never received any phone calls ( as I had recently been dealing with health issues with my XXXX daughter ), and I did not receive anything in the mail. She stated that they had records of sending me requests in the mail, and there was nothing I could do. I am happy to make the payments, and set those up immediately when I was aware the debt was owed, but I was never provided the opportunity to pay the debt and make those arrangements before I was reported to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 12/25/2017 about Mortgage (VA mortgage) with LoanCare, LLC (VA).
Issue: Trouble during payment process

Complaint: A qualified endorsement was Tendered and delivered to LoanCare , LLC and it was received by Priority mail Express on XXXX XXXX, 2017 @ XXXX XXXX by XXXX XXXX. This tendered payment is an instrument considered as U.S. Legal tender in the secondary market and is a consideration to pay my mortgage in full and satisfy the mortgage. I have not received any letters or written correspondence at all, and did not receive any notification or filings that my mortgage will be receiving a certificate of satisfaction and or released from obligations.

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 05-11-2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (LA).
Issue: Loan servicing, payments, escrow account

Complaint: Carrington Mortgage took over my mortgage in XXXX 2013 and since then my mortgage has been recorded as being late. This was due to a problem with the transfer of the loan between XXXX bank and Carrington. Carrington placed the loan on some type of forbearance program, which I paid timely, as requested. After doing this for a few months and additionally paying MORE than the required amount to get 'caught up ', Carrington Mortgage placed my mortgage on ANOTHER program a loan modification program. Which was paid as agreed. I am also receiving certified notices from Carrington advising that my house is possibly going to be foreclosed on and that I should contact them to make payments. WHICH I DONT UNDERSTAND. To date, my mortgage is showing past due of over $ XXXX and when I contact Carrington mortgage to request an explanation, the explanation is unclear as to why the mortgage is STILL showing behind. I do not want to lose my house by accidentally signing the wrong documents and/or not properly signing required documents.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Settlement process and costs

Complaint: We had a mortgage with Indymac. We attempted to refinance and discovered that the mortgage lender Indymac was in XXXX position on the title, and our HELOC lender XXXX XXXX was in XXXX position, so that made us unable to refinance. We asked Indymac to correct their paperwork, but they knew they were going to be bought out by OCWEN, so they did nothing. Once OCWEN bought our loan, I informed them of the error on the title made by the title company. OCWEN is now suing us and XXXX XXXX ( who the HELOC is with ) because our name is on the title, even though we did not make the error. It is completely unfair to be caught in the middle of this XXXX huge corporations, when we have never missed a payment or been late, and now we have even more expenses from having to hire legal representation.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Debt collection (I do not know) with BTH Management (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: The aforementioned credit collection agency representing XXXX XXXX XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and XXXX. 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX  does not have any documentation, they need to retract this from my credit file immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Prepaid card (General purpose card) with U.S. BANCORP (WA).
Issue: Unauthorized transactions/trans. issues

Complaint: Elan financial prepaid card account has reported 3 late payments to the credit bureaus two of which are false and the other is their error. I have written them emailed them and called them, but they will not even let me talk to anyone that can straighten it out. This is keeping me from buying the house I want. I have perfect payment history on all my other XXXX accounts. This was a clerical error on their part

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