milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-05-2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Struggling to pay mortgage

Complaint: XX/XX/XXXX and XX/XX/XXXXCASE CLOSED ISSUE UNRESOLVED AND RESPONSE NOT ACCEPTED. I hired a company last XX/XX/XXXXto help and assist me with the mortgage modification process in order that it 's with in my monthly income requirements. The property and the home was WILL to me from my deceased Mothers estate. The property deed and the mortgage did have my name on it since my income was required for my Mother to refinance the mortgage. The company that I hired lastXX/XX/XXXX also informed me that there were issues with the mortgage documents saying it was XXXX, which I found out is against the laws in New York State to issue a XXXX loan. Unfortunately the modification that the company worked on for me with Ocwen Loan Servicing happened to be the worst modification that I have ever received in the 9 years of Ocwen. 2 law suits against Ocwen within the 9 years and no assistance They are absolutely the worst and with them reported managing over 104 million mortgages and having 9000 employees, that to me is a serious problem. In XX/XX/XXXX Ocwen threatened me with forclosure, threantened me with a phone call of a XXXX XXXX out of Texas stating that I need to contact him back about my home and property and that he worked for Ocwen Loan Servicing. Grant it I filled Chapter XXXX bankruptacy protection not because of the mortgage because I needed to get reorganized. After once again doing research I find out again the CFPB is once again sueing Ocwen Loan Servicing. After skimming through some of the documents regarding the law suit its the same issues that I have been going through over the past 9 years with this organization. I do n't know if I would call Ocwen an organization or a business, there just plain CORRUPT. The law suit is in fact true and the CFPB needs to take control. Attached are all the related documents including a screen image of the voice mail that I received and is still available on my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: In  XXXX   XXXX   2017  I spoke with  XXXX   XXXX  and  XXXX  at   XXXX   XXXX  . I had two very specific questions and advised them both NOT TOO PULL MY CREDIT because it had already been pulled a month prior.  XXXX   XXXX  pulled my credi t WITHOUT my consent. It 's a recorded line that they clearly hear me saying not to pull the credit. I have an email between he and I stating the same. He claimed that my credit score would n't drop and that it 's the same as one months ago. I told him not  to pull the credit he did it anyway and my score has dropped  XXXX  points immediately as a result

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX/XXXX/2016 I filed a complain through CFPB against RPM for reporting a collection on my credit report. The original creditor was XXXX and after paying a debt that I owed, XXXX informed me that this account would not be listed anywhere on my credit report, but it was showing on my credit report as a collection. After filing a complaint with CFPB, Receivables Performance Management LLC responded to me with the following statement. 

" Upon receipt of this complaint, RPM contacted XXXX who confirmed that the account was properly placed for collection and had since been paid in full. XXXX has requested that RPM remove the account tradeline as a courtesy to XXXX XXXX. 
RPM appreciates the opportunity to respond to this matter and resolve it to XXXX XXXX 's satisfaction. If you have questions regarding RPM 's handling of this matter or if I may be of further assistance to XXXX XXXX please contact me directly at ( XXXX ) XXXX. 
Very Truly Yours, XXXX XXXX XXXX General Counsel '' It has been over 30 days and this company still has NOT removed this item from my XXXX report. I am trying to close on a home loan and this collection showing on my report is affecting me tremendously. I have attached documentation from both XXXX and RPM of where this item should have been removed.

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 10/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
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 requested an investigation into the following unknown and unauthorized credit inquiries listed on my Transunion credit report, yet they remain in direct willful and continual violation of the FCRA ( Fair Credit Reporting Act ). 

1 ) XXXX on XXXX/XXXX/XXXX XXXX ) XXXX  XXXX on XXXX/XXXX/XXXX XXXX ) XXXX XXXX on XXXX/XXXX/XXXX Under the FCRA Section 604, please provide the following information : 1 ) Permissable Purpose 2 ) Proof that the consumer initiated the unauthorized inquiry 3 ) Written Authorization Failure to provide the above requested items as evidence that I authorized these inquiries is sufficient grounds for removal of the inquiries from my Transunion credit report. 

Thank You For Your Time.

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 08/31/2015 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Credit card protection / Debt protection

Complaint: I paid my balance in full on my Chase Freedom credit card on XXXX XXXX. On XXXX XXXX, my account was charged an interest. When selecting to pay my current balance, no where is it stated that further interest charges will apply. I called the credit card company and they would not waive the fee. As a customer with Chase for over XXXX years, this is ludicrous behavior. I feel as if I am being punished for paying my balance before the due date. How many more customers does chase victimize?

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/31/2016 about Payday loan () with Harpeth Financial Services, LLC (TN).
Issue: Charged fees or interest I didn't expect

Complaint: I TOOK OUT A PAYDAY LOAN WITH ADVANCE FINANCIAL OF TN FOR AT OR AROUND XXXX DOLLARS. I WAS GIVEN A SHORT FORM STATING MY MINIMUM BALANCE EVERY TWO WEEKS WAS XXXX DOLLARS AND SOME CHANGE, AND GIVEN ANOTHER LOAN PAY AMOUNT OF XXXX DOLLARS AND SOME CHANGE. HOWEVER, AFTER OVER XXXX DOLLARS LATER I CHECK TO SEE WHAT I OLD AND THEY STATED MORE THAN I TOOK OUT. I WAS TOLD THAT IT WAS A 275 % INTEREST RATE ATTACHED TO IT, AND THAT I WAS ONLY PAYING THE INTEREST NOT THE PRINCIPAL. THIS WAS NOT EXPLAINED TO ME AT THE SIGNING OF THE LOAN, NOR ON ANY PAPER WORK I SIGNED. I WOULD NOT EVER TAKE OUT A LOAN THAT I WOULD HAVE TO PAY 275 %. ME BEING IN THE MILITARY I WOULD NOT DARE TO SIGN SUCH A THING.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I was a victim of identity theft in XX/XX/2016 and had to dispute all of my accounts on my credit report because I could not identify accounts that were mine. Transunion deleted everything in my credit file. After identifying my accounts I mailed Transunion my identified accounts, account numbers, and balances on accounts, to add to my credit file. 
This was never done by Transunion. I am unable to get a credit score from Transunion. Because of the lack of compliance on Transunion 's part, I am unable to get a mortgage loan, credit, and have correct credit history,

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 07/29/2015 about Debt collection (I do not know) with Amsher Collection Services, Inc. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX emailed me that I have an open collection. So i open it and saw a {$610.00} debt collection from XXXX. I do not where this come from. I do not owe {$610.00} on anyone. I have no information about this debt that they are talking about.This is theDebt i am talking about. 

XXXX account reported on XXXX XXXX, 2015 OpenAccount # XXXX $ 614BalanceCOLLECTIONOriginal Creditor $ XXXXHigh BalanceMay XXXX, 2015Opened DateXX/XX/XXXX XXXX, 2015Last ReportedIndividualResponsibility

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I was denied for HAMP, XXXX XXXX XXXX Mod and HAMP Tier II. HAMP and XXXX XXXX XXXX mod said I am less than the XXXX % DTI, which I understand that. But the HAMP Tier II I do qualify for. My denial letter states that I was denied for HAMP Tier II for the following : Your client 's modified monthly mortgage payment must be greater than or equal to XXXX % or less than or equal to XXXX % of their gross monthly income. Well, I am at XXXX % DTI which shows that I do qualify for HAMP Tier II. 
I filed an Appeal on the denial letter and the lender stated they would have a response by XXXX/XXXX/2016. My atty nor I have received a response. I called the lender on XXXX/XXXX/2016 and I spoke with XXXX in the XXXX XXXX. She placed me on hold while she contacted Loss Mitigation. XXXX came back to the phone and she stated that the Appeal is still in review and is in the Complaint Department. She stated that Loss Mit does n't know when a decision will be made. 
This is not acceptable. As you can see I clearly qualify for the HAMP Tier II and the lender has taken over 30 days to respond with a decision on the Appeal. Even if I did not qualify for Hamp Tier II, the lender should have some in house modification programs such as Asset streamline mod etc, to assist homeowners with true hardships. 
The lender also indicated on the denial letter that the completed an interior appraisal on the property. The lender DID NOT complete and interior appraisal or an exterior appraisal on the property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: This XXXX XXXX Account does not belong to me. XXXX XXXX informed me that this account was charged off my XXXX XXXX XXXX XX/XX/2008. XXXX XXXX has not provided any documents in regards to this Account.Please ask Transunion to remove this account from my credit reports as this account is almost 9 years from the date of the charge and this account does not belong to me.

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 07/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Arnold Scott Harris, P.C. (IA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have made multiple attempts to contact this company, with not ever receiving a response. This debt has been paid, and therefore should appear as closed and no longer in collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I sent the attached letter to Equifax over 60 days ago. To date, they have not responded to me in any fashion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (WI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: PORTFOLIO RECOVERY ASSOCIATES is a third party collections agency that is attempting to collect on a credit card debt owed to XXXX XXXX. I can not remember the exact date that PORTFOLIO RECOVERY ASSOCIATES first reported to the credit bureaus, but I know it was reported prior to XXXX XXXX XXXX. That date was within a time frame when I first disputed the debt as I did not believe it was owed to them. 

It was removed from my credit, then they reported it again XXXX XXXX XXXX. I again filed a dispute as they had not 1 )  Notified me that this would be relisted and 2 ) the collections agency still had not supplied any proof that I actually owed them any debt. Once again, this was removed from my credit. On XXXX XXXX XXXX it was again relisted on my credit with no notification and still no proof of the debt being owed to them, or that the debt is actually not older than 7 years should still be reported on my credit report. 

It appears that their way of handling these issues is to wait until it 's removed then re-report it, to avoid having to prove they are owed the debt and also to restart the 7 year window they could report the debt. I believe that this violates the fair collections laws.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with First Credit Services Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX, XXXX, I enrolled my son in a mixed martial arts program and signed a billing agreement with XXXX to make monthly payments until XXXX XXXX, XXXX. 
Roughly two months into the program, my son decided he did n't like the instructor nor the classes and stopped attending XXXX. I spoke with XXXX and they refused to let me out of the contract, so I continued paying the monthly fee ( a total of over {$1000.00} ) even though my son was not taking the classes anymore. 
In XXXX XXXX, XXXX went to the doctor for an unrelated injury, and the doctor ordered him not to participate in any physical activity until after XXXX XXXX of that year. Realizing that we now met the cancellation terms of the XXXX contract, I immediately notified XXXX and XXXX of the doctor 's orders, and attempted to cancel the contract. The only requirement left was to submit a " XXXX '' which I needed to obtain from them so my letter requested that they contact me immediately if I needed to do anything else to compete the request. I NEVER heard from them so I filed away my paperwork, assuming the matter was concluded. 
XXXX XXXX I received a " Default '' letter from them which prompted me to immediately contact them and remind them of my cancellation notice. They then told me that since my son 's physician did not complete a " XXXX Form '', they would not cancel the contract. We then went back and forth over this issue a few times, and I was receiving so many phone calls from them at all different times of day, it was interfering with my job. We were clearly at an impasse and I became frustrated so I told them not to contact me anymore. 
Suddenly, after 2 years of no contact, I have been receiving daily phone calls from First Credit Services, ( XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX ) attempting to collect over {$1000.00} from me for non-payment of this account. According to them, if I do n't pay them immediately, they will severely impact my credit. I have not received anything in writing from them, just the daily phone calls. I am at a loss at this point and do n't know what to do. 
I believe that I fulfilled the terms of the cancellation with the exception of submitting a " XXXX '' but they never sent me one to fill out. I also believe that their insistence that my son 's doctor complete a " XXXX Form '' is not a required component of the contract I signed. form. I respect the sanctity of the contract, but I also do not want to give them anything that I did not agree to. 
I would appreciate any assistance you can give me resolving this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: After checking my credit report I noticed that a debt from ARS was placed on my credit. I then proceeded to see if they were licensed in the State of Texas to collect on a debt. As I check the website with the name of the company and address on my report. I searched and it gave me no results. On XX/XX/XXXX I mailed a certified debt validation letter to ARS. I tracked the letter which was received on XX/XX/XXXX. In the letter I advised that they had 30 days to respond to the letter. I gave them a couple of days later to send me the info back. Today is XX/XX/XXXX and I still have n't received anything from the company.

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 12/14/2016 about Mortgage (FHA mortgage) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Loan modification,collection,foreclosure

Complaint: We applied for HAMP loan modification with Fifth 3rd Bank and the bank moved forward and sold Our home. The bank acknowledged receiving the complete losss mitigation application and supporting documents but still moved forward and did not review or offer any type of solution to help Us stay in Our of 22 years. All of the equity We invested is taken away. We hired an attorney who was suppose to be representing jUs with the foreclosure process and he basically stole Our money. The attorney has been missing in action and does n't take calls or respond to text or email messages. We later found out he has been cited by the Lawyers review board for inappropriate conduct. We are now struggling with finding another attorney and appealing a case that should have never gone this far.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Debt collection (Medical debt) with Action Collection Agencies, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: A collection agency, for an amount I have no knowledge of and never had knowledge of, fraudulently inserted a derogatory notation in an attempt to extort money. I called the underlying entity the collection agency claimed the debt to be from and they have no knowledge of debt in my name. At any rate, I was never notified of a debt nor was I ever given a chance to review it - which is a requirement of law. The actions by the collection agency are extremely illegal. 

The collection agency must remove any derogatory information from my file, otherwise I will sue them in federal court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Credit card () with AMERICAN EXPRESS COMPANY (MN).
Issue: Customer service / Customer relations

Complaint: XX/XX/XXXX Called American Express ( AMEX ) to cancel credit card. Was told to destroy cards. In subsequent phone conversations Amex claims no evidence of cancellation on this date. At this point our account balance was the annual fee of {$95.00}, due XX/XX/XXXX. 
XX/XX/XXXX Called AMEX again to enquire how to handle the current billing, an item that was not covered the previous day. Representative " XXXX '' advised not to pay current billing and that next billing would prorate the annual fee and the total billing would be $ XXXX {$8.00} ( XXXX ). 
XX/XX/XXXX Received another billing from AMEX. Included in bill was {$35.00} late fee. Called Amex again. " XXXX '' said I should call back in 3-5 business days. 
XX/XX/XXXX Again called AMEX, this time speaking with " XXXX ''. He stated the account showed a balance of $ XXXX {$8.00} and would show on the next statement. 

XX/XX/XXXX Another statement, another late fee. The balance is now {$150.00}. Called AMEX again in attempt to stop the same old runaround. " XXXX '' of AMEX stated the previous representatives had no authority to prorate the annual fee and that I had cancelled the card not on XX/XX/XXXX but on XX/XX/XXXX. She said she would check it out and get back to me in about XXXX business days. 
XX/XX/XXXX Fifteen business days after XX/XX/XXXX and have not heard back from Amex or " XXXX ''. Too, I have not contacted AMEX again. Sent complaint form to MN Attorney General, Consumer Services Division. 
XX/XX/XXXX Received another statement. Balance showing is now {$190.00}. 

Additional information : On XX/XX/XXXX XXXX submitted a charge to AMEX by me in the amount of {$18.00}. It is my opinion that this is a charge that AMEX should not have honored had they canceled the card on XXXX as requested, the date we were told to destroy our cards. The charge was subsequently credited back to my account on XX/XX/XXXX because the item was returned to XXXX. While I fully admit I had forgotten to inform XXXX the card had been canceled I charged the merchandise using XXXX 's 1-Click procedure. Therefore I would readily agree to the $ XXXX {$8.00} prorated AMEX annual charge. 

Attached : Copy of latest statement with closing date XX/XX/XXXX. 


I believe AMEX has internal problems with their customer service and should honor their verbal commitments of the $ XXXX {$8.00} charge and to rescind or cancel any items of delinquencies submitted to any credit service agencies or companies.

Company response to consumer: Closed with explanation