milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/27/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (KY).
Issue: Loan modification,collection,foreclosure

Complaint: I have a property I can no longer afford, I 've been working with my lender in trying to give back ( deed in lieu ) or short sale, at the same time I was served with papers in seeking a REM judgement against me for the property. I have no way to pay for an attorney to review my case & move forward. I 've been so stressed & confused due to the bombardment of request from my lender, I 'm not sure if they know what they 're doing, cause I 'm lost. 

note : we did have to file bankruptcy before on this property once before, discharged XXXX also, due to the mortgage crisis, Mortgage Settlement, we were not offered a loan modification after receiving a settlement check, not sure even if we were at that time.

Company response to consumer: Closed
Consumer complaint received 07/17/2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: lvnv funding is currently reporting my credit report for a debt that I was not aware of I have not received no letter no phone call no validity of the debt nothing, they have not even verified they have right person or given me the right to challenge the debt I filed a complaint with bbb and all lvnv funding gave me was a copy of a bill with a address that I do n't live at, said address belongs to a family member

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (NC).
Issue: Shopping for a loan or lease

Complaint: CHASE AUTO MADE XXXX HARD INQUIRE ON MY CREDIT REPORT AND THEY NEED TO BE REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received a call from phone number XXXX stating that they were Dynamic Recovery Solutions and I needed to call them at XXXX, I have no debt that is not up to date. I did not return his call.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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: Over the past 4 months I have made several disputes with Trans Union regarding an fraudulent account being reported on my Trans Union Credit report. In my written and online request I asked that Transunion please investigate this item and show proof of validation or delete immediatley from my report. The account in question is an lien for {$1100.00}. The lien has already been released by the XXXX XXXX XXXX because they aknowledged that it was an mistake. Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have gotten anything from Transunion proving the account is mine. There is no possible way that this account belongs to me.PLEASE HELP

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OK).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I sent a letter asking Experian to remove the incorrect names and addresses from my report. I also requested that several of the inquiries, Collections listed were not mine and/or not authorized. The information is still listed on my report and I never received a response from Experian. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$59.00} XXXX XXXX  {$280.00} XX/XX/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 01/19/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My condo mortgage holde, OCWEN, rjust charged me {$1400.00} for a 12 month condo owner insurance policy, saying that I do not have adequate coverage for my condo unit.. so they have purchased coverage for me!!!. This is untrue. Our condo master policy covers the entire replacement cost of the my condo ... the only things not covered in our master policy are my personal furnishings. I have never been and am not currently without the OCWEN 's required coverage.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (DC).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I have had a Citi credit card for over 20 years and I was informed by them by letter that they are going to transfer my card to XXXX XXXX. I have the Citi XXXX XXXX XXXX XXXX card and they want to transfer it on XX/XX/XXXX to XXXX XXXX and turn it into the XXXX XXXX XXXX XXXX XXXX XXXX. I do not want this transfer to take place, I have not authorized it, and I already have a XXXX XXXX XXXX XXXX XXXX XXXX. I want to keep my Citi Visa card, even if it means having a different kind ( i.e., non-XXXX affiliated card ) with Citi. 

I called up XXXX, Hilton, and XXXX XXXX on XX/XX/XXXX and no one would help me and they all said there was nothing they could do. XXXX XXXX said they would not have access to my Citi details until XX/XX/XXXX and XXXX said I had to talk to the card issuers. 

I then contacted a supervisor at Citi on XX/XX/XXXX called XXXX ( Employee ID : XXXX ) who told me the transfer will go ahead and I ca n't stop it. XXXX told me that it could have been stopped if I had called in XX/XX/XXXX or XX/XX/XXXX but that they did not communicate this to any customer, and kept it secret, and all the literature sent to us only ever mentioned the end of XX/XX/XXXX for the transfer. In fact, Citi only sent an email alerting customers to this transfer on XX/XX/XXXX, which is two months after the XX/XX/XXXX deadline to transfer it. This is very deceptive. 

I complained to the Citi Cards CEO on XX/XX/XXXX by email to XXXXXXXXXXXX. I received a response on XX/XX/XXXX stating they would not help me. I am attaching the XX/XX/XXXX email from Citi and the letter from the Citi CEO. Additionally, the links to the FAQ about this transfer can be found at : http : XXXX and at : XXXX XXXX XXXXXX/XX/XXXX and at : https : //online.citi.com/XXXX XXXX I want this unauthorized transfer of my credit card stopped. And if they wo n't stop this I want compensation for all this distress and hassle it is causing me and I want the company fined for wrongly terminating my credit card and then giving me another one ( an XXXX XXXX card ) that I definitely do not want and did not 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 05/31/2016 about Consumer Loan (Installment loan) with Ad Astra Recovery Services Inc (IN).
Issue: Managing the loan or lease

Complaint: I had an installment loan that I got behind on back in XX/XX/XXXX. It went to an in-house collection agency. I paid in full during the XX/XX/XXXX. Since then, the collection angency has failed to update information correctly on my credit reports. The have incorrectly reported my XXXX date if delinquency, which could lead to the satisfied negative account to stay on my credit files past the XXXX year legal mark.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Problems caused by my funds being low

Complaint: This bank charges fees for items that should have been returned or that were n't allowed to go through, they do n't have properly trained personnel and thrive on collecting multiple charges. I recently lost my card and I was unable to deposit funds in a timely manner, this bank refused to waive the fees, XXXX dollars for a XXXX dollar transaction

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 monetary relief
Consumer complaint received 09-12-2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Billing disputes

Complaint: I have bought a product in 36 installments with XXXX XXXX who gave me credit through Synchrony Bank. The bank instead charged the amount of {$3900.00} in full. When I called them to ask about on XXXX/XXXX/16 they have told me they will issue a check for {$3800.00} and that it will take up to 3 weeks to arrive. I received letters on the e-mail saying the check was sent on XXXX/XXXX/16. It is XXXX/XXXX/16 and the check never arrived, now they are charging me again for the {$3800.00} amount due on XXXX/XXXX/16. At this point I just want to avoid paying them again since the check never arrived and I already paid the full amount. Please help me this is going to get me in trouble with my credit if I do n't pay them again.

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 03-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Dynamic Recovery Solutions, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: In XXXX, I found a negative account for XXXX XXXX on my credit report in XXXX. I never authorized anyone to use my name and social security number to open a wireless account. I made a report to the police department for identity theft. Afterwards, I contacted XXXX XXXX and informed them of the identity theft. In XXXX, I received a phone call from a collection agency and I informed them of the identity theft. The phone calls stopped. I sent XXXX XXXX a copy of the police report this year and no one contacted me to follow up. I contacted XXXX XXXX and XXXX of the agents said the account was flagged fraud and it will be removed from credit report in 6 weeks. He also sent me an email and said " Its good that the person who stole your identity did not use your address too. '' I saw XXXX XXXX Services on my credit report for XXXX XXXX. I contacted XXXX XXXX and they told me to contact Dynamic Recovery Solutions because they handle all of their debt collections. I faxed a copy of my credit report to Dynamic and they did not clarify if this debt collection will be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX I sent a multiple inquiries removal letters to Equifax via Certified fax and USPS after viewing my credit report I notice that I had multiple and didnt private inquiries from XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, screening Reports, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, EXXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX  several of these are duplicates. I also attempted to contact them via phone and filed disputes regarding unrecognized XXXX plus Hard Inquiries and some are duplicates on my credit file and ive asked to have these deleted considering they are affecting my credit ratings. I asked how can I have these processed with having a credit freeze and fraud alert on my Equifax credit file with no clear explanation. On XX/XX/XXXX Equifax completes the re-investigation stating that the unknown Inquiries are factual. Ive asked them to please send proof of the factual information they stated they received as on today XX/XX/XXXX I havent received the information I received a copy of my credit report again. I verified my name and addresses which are listed incorrectly and I have disputed this multiple times as well which is the reason Ive have a freeze and fraud alert. Please see the attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Convergent, XXXX. XXXX XXXX XXXX, WA XXXX, XXXX, has contacted me regarding a XXXX bill that was paid in full in XX/XX/XXXX. I participated in XXXX 's " Fresh Start Program '' in which I paid half of the balance and the remainder was forgiven. I have since moved and my account has remained current. This is an Unfair Business Practice which is a violation of the Fair Credit Reporting Act because : They are reporting an old debt as new or re-aged and ; they are furnishing and reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Debt collection (Credit card) with Sessoms & Rogers, P.A. (NC).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: 2009 when unemployment rates were in the XXXX digits Sessoms and Rogers a attorney debt collector capitalized on consumers who lost their jobs and had charged off debt. They will not settle for anything over 75 % of the debt plus interest added back from your last payment. So XXXX dollars becomes XXXX overnight. They sent the Sherriff to my door XXXX times even after I filled out and filed the paperwork to document XXXX assets. I did not even have furniture in my apt . Now that I am making payments and have been for over 1.5 years they file a current collection on my credit like it is brand new. These debts were over 3 years old when the Sherriff came to my door. I should have never set up a payment plan. What they did was pure harassment and unethical

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/14/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Deposits and withdrawals

Complaint: Despite several fraud warning on my accounts with Bank of America, someone has managed to get access to my bank accounts and withdrew some money from them. I have made request for extra precaution be taken while handling my account, but this was not done. After I closed my account, the perpetrator managed to pass bank of america security screen. the Bank had promised me to call me each time an online or over the phone transaction was taking place. This request although agreed upon by Bank of America was not followed which has led to the lost of my funds, and credit potential, putting my business at risk. The Fraudulent person had information about the account, that I that opened it, never even received. I have asked the bank for a written update on the investigation performed, so that I have an understanding of the information the perpetrator has, and up until today I do not have any information from Bank Of America as to how those transactions have occured, or what type of security questions where asked. 
To date, a fraud has my information, and I am not able to tell you what type of information the person has, yet, the bank has it and will not disclose. Ultimately this is a direct result of the bank failing to follow the directions clearly written in a high profile identity theft victim profile.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/17/2016 about Credit card () with SYNCHRONY FINANCIAL (MA).
Issue: Customer service / Customer relations

Complaint: Account # XXXX XXXX XXXX Care Credit Synchrony Bank GE I entered into a debt management plan with XXXX XXXX XXXX XXXX XXXX XXXX which set up a program with Care Credit GE Synchrony Bank on my behalf. Prior to setting up the XXXX plan I cancelled a plan with another firm called XXXX ( due to service and fees ). Care Credit cancelled my XXXX account in error. I have made over 15 calls to Care Credit to speak with Care Credit XXXX with no access to their department and thus no response. No one at Care Credit would help addressing this mistake. XXXX has made XXXX calls on my behalf. Recently XXXX and myself tried to set up a XXXX conference call which placed us only in an automated message. I want to speak with Care Credit to address this mistake. My account has been negatively affected due to this misunderstanding

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 monetary relief
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I was trying to buy the new XXXX XXXX XXXX from XXXX XXXX on XXXX/XXXX/XXXX and I saw an option with XXXX financing and I checked that and assumed it 's like other financing stuff like cars or monthly plans from XXXX and so on. It did n't state really clear it was a actuall credit card until I finsihed the application. I also checked with some XXXX of XXXX and they did n't even knkw this is a credit card. And it 's from Synchrony Bank and they did n't talk about it is a credit card that I was applied for during my checking out. Apparantly I did n't want to apply for a new card and this is only can be used on XXXX XXXX. I see this as fraud and waste my inquiry on my credit report. Since this is an unaware application for credit card. I already colsed the account on the same day as I knew it was a credit card. I hope to remove the hard inquiry from my credit report.

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 10/19/2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: To Whom it May Concern : After viewing a copy of my credit report I noticed a collection account placed on my credit report from you in 2017 account number # XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. If any fees are owed and documentation is provided that info should have also been forwarded to XXXX and XXXX. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical  charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Performant Financial Corporation (SD).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Performant recovery is the designated collector for the Department of Treasury. They instituted a XXXX without following the provisions of 31 U.S.C. 3720 D ( b ) ( XXXX ) by providing notice of their intent to start the XXXX proceedings. The debt is owed to the XXXX XXXX XXXX who have had my XXXX, SD XXXX address since the year XXXX. The Department of Treasury has also had that address as my tax returns reflected that address since the year XXXX. Instead Performant made up an address of XXXX, SD. I have never resided at XXXX XXXX XXXX. We only received street addresses a little XXXX and my new street address is XXXX XXXX XXXX. Then when I requested a hearing on the matter they never gave me Notice of the Hearing and they will not address the fact that they violated my due process rights under the statute. Since Performant has the sole power to request the hearing they are abusing their position by not forwarding my objections to the Administrative Law Judge. Performant 's predecessor engaged in robo signing activities and I am sure that is what happened here. I am recovering from XXXX XXXX and have missed doctor appointments because this money is coming out of my check because my doctors are XXXX miles away from where I live. Performant also refuses to give me an accounting of payments on this debt. I am just seeking the opportunity to negotiate the payments to an amount that I can afford without having to miss XXXX appointments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (IN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have been with XXXX at various addresses since XX/XX/XXXX. Due to their horrible service I cancelled. From XXXX XXXX XXXX I spent 15 + hours on the phone with them. After cancellation I got a notice that I had a XXXX credit. All was squared away. Then dated XXXX I got a notice from Afni Collections saying I owed $ XXXX. I called XXXX. They admitted the never told me about the balance and admitted no bill was ever generated. My only notice of this was that I got a collection notice. I confirmed it was a valid collections company then paid it at once. I 'm XXXX XXXX XXXX today. I have never, ever had a collection notice in my life. I 'm fiscally responsible. XXXX failed to follow protocol by first issuing a bill to me letting me know I had an account in collections. I leave XXXX for three weeks tomorrow. Had I not happened to get my mail ( it just arrived today ) it would have hit my credit.

Company response to consumer: Closed with explanation