milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DE).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: my name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of the others names and address that appear on my credit report is not correct.

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 01/26/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: my loan is serviced by Ocwen. I have made over XXXX online payments that have been rejected as Ocwen tells me it is a bad routing number and paid late fees to them.The routing number I submit is XXXX which is the correct routing number for my state California. Ocwen submits this number and tells me it was rejected and previously I used the routing number XXXX which is a number I have never used and never submitted. As a result Ocwen will not take any uncertified payment from me for six months. Their website software must be rigged to collect fees. I am an accountant and rarely make mistakes. Ocwen is corrupt. Ocwen will cash a personal check with this routing number with no problem, but states it is not good for online payments and they blame the bank. They refuse to refund my money on my " late fees '' that were not late. The website software must be corrupt as they process epayments with routing numbers I never supplied.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Bank account or service (Other bank product/service) with Fidelity National Information Services, Inc. (FNIS) (OH).
Issue: Account opening, closing, or management

Complaint: I tried opening an Account with XXXX ... ..subject to approval thru Chex systems ... Check systems denied me ... The bank gave me Check systems contact information..I called Check systems and they refused to take me off their list..I told them I filed chaper XXXX, and all previous debts were discharged. Check systems told me I owed them XXXX ... I asked for what ... the agent had no response! They still have me on their list.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GENERAL MOTORS FINANCIAL COMPANY, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records i am unable to find any documentations of any contractual relationship between name of company and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim against me. In the event you continue your collection without any proof of contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract you must cease and dismissed any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney without providing proof of contract, he will be immediately reported to the state bar association and professional liability found for code of ethics violations. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Bank account or service (Other bank product/service) with FIRST TENNESSEE BANK NATIONAL ASSOCIATION (ID).
Issue: Account opening, closing, or management

Complaint: We have had a Home Equity Line of Credit ( HELOC ) in good standing with First Tennessee Bank since XXXX. We just received a notice from them stating that " The draw period for our HELOC ends on XXXX XXXX, XXXX. '' After calling them, we were told the HELOC is being discontinued because of their rule change - nothing we did or agreed to ever mentioned an end to the draw period. We now have to find another HELOC, including a full income verification process, past 2 years of documents, etc. This is a very cumbersome process at a time when one of us in unemployed, and the market has devalued so we are not likely to get a similar value on a new line of credit. We are not big fans of the process to get a home loan, and that is what we are being forced to do through no fault of our own.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Experian, XXXX and XXXX are reporting late payments for months on my credit report that I was on the rehabilation program with XXXX XXXX XXXX XXXX and in fact making payments to the XXXX XXXX XXXX XXXX during months XX/XX/XXXX, XX/XX/XXXX,  XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to make payments for XXXX that were being drafted from out of my acct each month and these payments were paid on time each month and I was not late during neither of these times. In XX/XX/XXXX myself and the XXXX XXXX XXXX XXXX changed the agreement form the rehabilitation program to a settlement agreement for my remaining balance to be paid in full by XX/XX/XXXX. I was under agreement from XX/XX/XXXX-XX/XX/XXXX to pay my balance in full. I completed that agreement and paid my balance in full on XX/XX/XXXX. I would like for each credit bureau Experian, XXXX  and XXXX to update my payment history with the accurate info showing my account was in fact being paid for the following months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. And for the months XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX as well I was under agreement at this time and was told that no payments were going to be reported late because of my  agreement that I had set up with the XXXX 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 explanation
Consumer complaint received 05-12-2016 about Mortgage (FHA mortgage) with SELECT PORTFOLIO SERVICING, INC. (OH).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX customer service told me my mortgage payments were current and I did not have to pay the XXXX XXXX payment because I had done a loan modification and the loan was current. The payments are {$840.00} each. But they require that the payments be sent by XXXX XXXX because the payments can not be paid online at their site. That 's another {$16.00}. The total payment is $ XXXX/mo. I was current until they said I did n't have to pay the XXXX Payment. I paid the XXXX payment today and went online to check the amount and it says I owe for XXXX and XXXX. I sent the XXXX payment via XXXX XXXX as usual for the XXXX Payment. I called and they said I owe both months {$1700.00}. The customer service people who told me I did n't have to pay I questioned and she put her supervisor on the line too. He said the same thing, the loan was current. That call was on XXXX/XXXX/XXXX. I called yesterday and the customer service rep I spoke too said they should not have told me that and that they had mislead ( lied ) to me and she had notes in the file that they did in fact tell me that and that all their calls are recorded. She said she would get back to me because she wanted her supervisor to review the phone recording and ask me if that was ok. I am praying its not the same supervisor that lied before. I checked today and there is a class action lawsuit filed against this company in Colorado where they are located and multiple other complaints. I am sacred that I might loose my home and have been sick and XXXX XXXX last year. It would be impossible for me to move now. But based on their information my loan is current and has been since the modification last XXXX XXXX. But I think they tried and are still trying to file foreclosure on my home. The last one cost me {$13000.00} on top of my mortgage and I received a new loan modification package from them yesterday. I did not ask for a modification. My loan is current except for their trickery about the XXXX XXXX payment. I 'm worried since my credit is bad because of my illness last year and to refinance would be difficult for me because I 'm self employed. And when I requested a payoff statement from them or even payment coupons they would not give them to me. The loan officer I went too said to get another loan I had to have a payoff statement. They will not give me one. I 'm trapped and they are going to steal my home. 
Sincerely, XXXX XXXX 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 08/20/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NV).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I had a student loan with XXXX XXXX that was purchased by Navient. I was late with a payment. I spoke with a representative to pay of the loan, and in the interim another representative started calling friends asking how to get a hold of me to make a payment. This was embarrassing and frustrating, especially when I had paid the loan in full. This is unacceptable business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Checking or savings account (Checking account) with NETSPEND CORPORATION (PA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: They eliminated my overdraft protection after a direct deposit came in. This could not have been at a worse time because I needed to pay a bill!!!

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 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DE).
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: Hi I tried to dispute with Experian about an account from XXXX, the account is no longer with that company and I verified that but yet they just updated the info and not deleted it. I actually do not feel like they even disputed it because the results came back way to fast for them to have thoroughly investigated.

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 11-07-2017 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (VA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: In 2016, My wife and I were discharged from Bankruptcy chapter XXXX which included the debt on the home we were living in. The house was supposed to be auctioned off, and sold. This however, has never happened, and still is showing at the county that we own the property. We can not purchase another home until this property is off of my record at the county. I do NOT need credit adjustment, just it foreclosed  on, so I can move on.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Credit report specifies that I have or had a mortgage along with a few collections accounts that I have never owned or been a party to. My identification has been stolen. Please help as this is affecting my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: More than 10 years ago, I had XXXX student loans through XXXX. The XXXX loans were consolidated and completely paid off ; however, XXXX reports that XXXX payment was not made back in 1993. The XXXX XXXX accounts were consolidated and I was only supposed to make XXXX payment on all XXXX accounts. I am astonished that the account is still being reported negatively even though the XXXX accounts were completly paid off as XXXX account. 

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 explanation
Consumer complaint received 08-08-2016 about Credit card () with U.S. BANCORP (IL).
Issue: Closing/Cancelling account

Complaint: Elan Financial Services closed, I faxed a letter twice on XXXX/XXXX/16 and XXXX/XXXX/16 I was told they would reopened the account. I was told it was closed because there was cease and desist on the account, the supervisor never informed back in XX/XX/XXXX that they placed the account in no contact status. I found out today the account is still closed both faxes went through on the account. This has been a nightmare and it is affecting my credit, I have never been 30 days later or bounced any checks with them my last payment of {$180.00} posted to my checking account today. I gave the bank permission per my fax letter to contact me but now they are claiming I faxed in paperwork back in XX/XX/XXXX that states I cease and desist which I did not. I have a good customer but I ca n't get a straight answer from anyone, I have a copy of the faxed letter at home which I faxed twice. The account should have never been closed.

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 09/29/2017 about Debt collection (I do not know) with STERLING JEWELERS, INC. (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I HAVE NO KNOWLEDGE OF THIS COMPANY AND WANT THEM OFF MY CREDIT REPORT .I HAVE NO LEGAL CONTRACT WITH THIS COMPANY AND I WOULD LIKE THEM REMOVED FROM ALL MY REPORTS.I AM A THIRD SO I 'M THINKING THIS ACCOUNT HAS BEEN PLACED ON MY ACCOUNT IN ERROR BECAUSE MY BROTHER RECALL HAVING A XXXX ACCOUNT WHOM HAVE SAME NAME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Mortgage (FHA mortgage) with MidAmerica Mortgage Inc (AK).
Issue: Trouble during payment process

Complaint: MidAmerica mortgage is my servicer for my mortgage. They charge a fee for paying online that begins on the XX/XX/XXXX and the fee goes up the closer to the XX/XX/XXXX you make your payment. Due to this I mail my mortgage payment to them as I dont want to be charged {$4.00} plus for online payments. 
In XX/XX/XXXX I mailed my payment and didnt see the check clear. I emailed the XX/XX/XXXX as I didnt want to incur a late fee. To date I have not gotten a response. The check cleared my bank account on XX/XX/XXXX. The back of the check says their bank ( XXXX XXXX ) received the check on XX/XX/XXXX. MidAmerica did not post my mortgage payment to my account, according to my online account, on XX/XX/XXXX. I received a delinquent notice today ( XX/XX/XXXX ) that shows I have a late payment of {$41.00} due. Also today I received my mortgage coupon that shows I owe two payments for a total of {$2500.00}, which also includes the late fee. This is not the first time they have not posted my payment on the day they actually received it but this is the first time they have tried charging me a late fee. If their bank received my check on the XX/XX/XXXX I shouldnt be charged the late fee as I have until then according to every mortgage payment I have received from them. 
The first attachment is where they show the payment being applied on XX/XX/XXXX and the second attachment shows the back of the check with a date received of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Money transfer, virtual currency, or money service (Check cashing service) with U.S. BANCORP (MN).
Issue: Problem with customer service

Complaint: On XX/XX/2018 I walked into the U.S. Bank branch office at XXXX XXXX XXXX XXXX, XXXX, MN XXXX in order to cash a payroll check drawn off of U.S. Bank. As I was in the process of cashing the check at a teller 's window, I was asked for my SSN and informed that U.S. Bank 's policies regarding noncustomer check cashing had recently been updated to follow " the law ''. While doing research into the legalities of this policy, I found " Section 3-501 ( b ) ( 2 ) of the  Uniform Commercial Code '' which speaks about " reasonable identification ''. Thumb prints, driver 's licenses, passports are all reasonable identification. A SSN is NOT and there is no law saying that they have to ask for them. 

Having done some research and making some phone calls, I called the aforementioned branch of U.S. Bank to speak to the manager. He specifically informed me that they use noncustomer SSNs to TRACK THOSE PEOPLE. That's right. They are tracking you with your SSN if you give it to them. I believe this to be a massive breach of privacy and refuse to do business with them for as long as they maintain this policy. To be clear, they outright REFUSE to accept a REAL ID driver 's license or United States passport as identification specifically so they can track you and your money.

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 07-10-2015 about Debt collection (Medical) with CMRE Financial Services, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: CMRE IS IN POSSESSION OF MY MEDICAL RECORDS. I HAVE NEVER GIVEN THEM AUTHORIZATION TO SHARE MY INFORMATION ON A DEBT THAT WAS PAID THROUGH INSURANCE ON A MEDICAL DEBT

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Servis One, Inc. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: We have been attempting to modify our home for several years to no avail. I filed a complaint 6 month ago against my previous mortgage company ( XXXX ). After the complaint was filed they sold our mortgage to BSI Mortgage Company. BSI Financial Services offered us a modification that was 60K plus over the value of the property and wanted to attached a second mortgage also. If we were to undergo another hardship we would have to pay 60k plus out of pocket to sell the property. Reluctantly we could n't afford to be trapped in a mortgage that was up side down no knowing the future. After rejecting this proposal we were forced into a short sale option. We hired a agent and completed the process of submitting a contract to sell the property. BSI Financial services rejected the offer and now they are telling us that the property has a m sale date for XX/XX/2017. If we have a short sale option why is there a foreclosure date on property. We really want to keep the property but we are being forced out. Furthermore XXXX XXXX XXXX stated we would receive XXXX for relocation expenses which we would need to relocate. CFPB can you please assist us in the matter..Please & Thanks XXXX & XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX Loan # 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 08-04-2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: My Wife and I are looking for a joint mortgage, but we are denied because ~XXXX years ago XXXX and XXXX XXXX failed to update XXXX judgements as Paid-In-Full. Now the home I want may slip out of out hands as I " try '' to present court receipts to the XXXX agencies. Because there was XXXX Judgement in each of our names, this is an auduous process. By phone, hold times are a joke. Online, I must recieve credit reports before adressing the issue on each company. Email contacts for this issue are not posted, and snail-mail contact will insure the only home sharing property lines with my parents will belong to somebody else. This is not a disputeable issue, this a factual issue will much documentation that was not updaded by the companies. 

This also means that my car loan, my car lease, my credit card payments have been based on incorrect information. For years my wife and I have been subject to injustice due to failue to conform with the Fair Credit Reporting Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/24/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: There is nothing more frustrating than spending over an hour being bounced around from department to department for what should be a VERY simple request. Like many homeowners across the country, our property taxes increased. That means that our monthly payment went up. To make the burden less impacting, I called Bank of America and asked that they spread the shortage over 24 months. The responses I got were, " the system wo n't let me do it '', " you need to talk to Collections '', " Reg E prevents us from being able to do it ''. Not only are these responses not helpful to the consumer, they are inaccurate. I am beyond frustrated and unfortunately, this happens every time I call my mortgage company. I am beginning to wonder what type of training the customer service department receives and at what point they will take their customers seriously.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief