milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-06-2017 about Mortgage (VA mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I am currently in Chapter XXXX bankruptcy. I have been making payments to the trustee 's office for my mortgage payments since XX/XX/XXXX. However, Ocwen servicing loan ( Mortgage lender ) never filed a proof of claim. I had to incur an additional expense to pay bankruptcy lawyer to file proof of claim on my behalf. I am attempting to get my XXXX Tax Forms and was told I wo n't be receiving one because the there were no payments made XX/XX/XXXX. The trustee was holding onto the money to allow Ocwen time to file claim. My attorney file claim on my behalf after an additional fee on XX/XX/XXXX. Payment of {$16000.00} + was made to Ocwen however, they state they did not receive payment until XX/XX/XXXX and therefore I will not receive a XXXX for XX/XX/XXXX. Did I mention Ocwen file a {$400.00} claim, which is to be paid through my bankruptcy plan as fees they are recouping/charging to " review '' my bankruptcy plan which in turns increases my bankruptcy payment amount?, Ocwen Rep who answered the phone apologized and I am receiving nothing in return for their mistake for not filing claim in a timely manner as well as no taxes. Only an apology.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Payday loan () with Avant Credit Corporation (MO).
Issue: Payment to acct not credited

Complaint: In XXXX XXXX I had taken out a payday loan with a Avant credit. At the time I was in severe financial distress. I could not keep up my payments with the contract that I had agreed to with that company, So I went through XXXX program, who negotiated on my behalf with Avant. They sent a contract, had me sign it to set up payment arrangements through the debt management company. I was on a different payment plan and they agreed to settle for less than what I owed. I followed all the way through with the whole plan, paid all the money that they agreed that I should pay ; all of the lesser amount, every payment on time. It is now XXXX XXXX, I happen to pull my credit report, and noticed that Avant credit was on my credit report as over a year late with my payments. I tried to contact them and was told to contact the compliance Dept. I sent them all the documents I had, I even sent them copies of the canceled check that they had cash through my account. Now, they are trying to say that they have no documentation of this contract, their contract that they made up and agreed to, payment plan, they did not receive any payments, and I 'm still late. Someone cashed my checks at that company. I can not get a answer from a live body about this situation. I can only email them or I can call customer service who hasnt been able to resolve this issue at all. I want people to know that Avant credit steals your money. Someone at the company has taken {$1300.00} from me, and nobody is acknowledging that they even know where this money went nor are they acknowledging the contract, that 's after I sent them the contract and the copies of the cancelled checks. How do I resolve this issue. All of my payments went through global client services and were cashed. As I have said, when I call the XXXX # to Avant, I can only get customer service. There is, supposedly, no number for the compliance department ... .they can only be communicated with through email!

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have reached out the this company and never hear anything back. I want documentation of this account that shows break downs and specifics. I need to get this off my credit ; however, I can not pay the balance due to financial hardships. My husband has become very ill and no longer works. We are living on XXXX income and need help clearing this up. Can you please help?!?!

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Debt collection (I do not know) with Navient Solutions, LLC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Municipal Services Bureau as is the case from the other companies I have complained about is harassing me about a debt I know nothing about. They call and leave messages when I try and call them back their message reads that if I 'm calling them back then I acknowledge that I am the debtor. Once I complain here and I am removed from their list they sell my " debt '' to another company.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Credit reporting () with Experian Information Solutions Inc. (MT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently obtained a copy of my credit report. There was an unauthorized inquiry made by XXXX XXXX XXXX. On XXXX, I wrote to XXXX XXXX Services asking for proof of the inquiry. To date, XXXX, I have yet to receive a response from them validating said credit inquiry, which has made my FICO score drop!

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 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: mortgage payment does not show updated or current all 2 bureaus do not update the status but are quick to report when late!

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Debt collection (Credit card debt) with Credit Corp Solutions Inc. (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have been receiving multiple phone calls, sometimes per day. Blocked numbers, spoofed numbers, etc. The agents are dismissive when I tell them that the debt was sent to them in error. I applied for and received a credit card but did n't end up using it for my dental work. I have the receipt for the cash payment. I 've tried calling XXXX XXXX - where the debt seemed to originate - but they say that once the debt has been sold they can not retrieve the information that would clear my name. 

The agents from this company, Credit Corp Solutions, have heard all of this information but do not seem interested at all in it. They repeatedly say that they only want to discuss how I can pay them. If I try to disengage the conversation because I am driving or my children need my attention, the agents will firmly try to keep my attention to their call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Credit determination

Complaint: I had a Bank of America ( B of A ) credit card and the account was " closed with a XXXX balance '' per the letter dated XX/XX/XXXX, 2011 that I received from B of A. However, B of A reported this account as a " charge off '' to all XXXX credit bureaus and I had disputed last year and this negative reporting was removed by B of A and my credit score went back to over XXXX where it should be. I just discovered last week that B of A reported this same account as a " charge off '' again ( even though B of A had removed this last year ) to all XXXX credit bureaus and now my credit score and my business have suffered due to my credit score dipping to below XXXX. PLEASE HELP!! Thank you so much in advance. 
Kind Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Payday loan () with CURO Intermediate Holdings (TX).
Issue: Charged fees or interest I didn't expect

Complaint: I received a loan in the amount of XXXX. I was told that the pay off would be XXXX. Now Im told that my monthly payments of XXXX was just to keep the loan open and none will apply to the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Based on the Fair Credit Reporting Act, Section 1681c as it relates to dismissed or withdrawn bankruptcies, the law clearly states from " date of adjudication '' or " date of order for relief ''. 
A bankruptcy dismissed or withdrawn no longer exists and the case filed was never adjudicated. Accordingly, Section 1681 ( a ) ( 5 ) of the Fair Credit Reporting Act states the bankruptcy reference must be deleted from my credit report. I referenced the law in my letter to the credit bureau and they have refused to remove items from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MN).
Issue: Managing the loan or lease

Complaint: My account was paid off and refinanced with a different finance company. The finance company overpaid what was owed on the account. I 'm being told that the over payment will be returned to me in 30-45 days from XXXX XXXX 2015 to make sure there are no liens and paperwork is taken care of. I honestly do n't believe that to be an acceptable time frame for this to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Debt collection (Medical) with Synerprise Consulting Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: this debt was included in a chapter XXXX BK XXXX filed XXXX/XXXX/2016 this the collections company was already notified and continued collection practices are being made by the creditor. this accoutn should be removed from my credit report and all collections efforts should cease.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Billing disputes

Complaint: Synchrony secures multiple cards that I use and their website consistently will not allow access to your account. Lowes, Macy 's and others typically put you in a loop asking for password when entered say it is incorrect. if you attempt to change when done it brings you to a blank screen, XXXX.do, always. If you call, as they offer no online services at all, you are either put on hold for over 20 minutes or given someone who speaks very little Englsih. Of course if you do not do that they just keep tacking on late fees. This is EVERY MONTH. All I want to do is pay my bill, not too much to ask. Tired of their intentional mishandling to secure additional fees. Tried filing with the XXXX but they chose to ignore the complaint and refused to respond.

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 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CONSUMER PORTFOLIO SERVICES, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX, XXXX I called XXXX XXXX XXXX about an inquiry on my credit report. I did not authorized them to do. Upon speaking with XXXX, the XXXX I learned that they pulled for XXXX XXXX XXXX. I asked for a copy of My signed authorization. Oh course, XXXX refused to provide me with a copy of My consent. She instructed me to contact XXXX XXXX XXXX. I called them and they indicated they have no record of me on file in none of the XXXX offices and they also informed me they do n't use XXXX XXXX XXXX used XXXX. I asked them to provide me a letter stating that fact and to notify XXXX XXXX XXXX to have inquiry removed. Both companies refused to do so and this has been on my credit report since XXXX/XXXX/XXXX is doing great damage to my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Bank account or service (Checking account) with BB&T CORPORATION (NC).
Issue: Making/receiving payments, sending money

Complaint: I stopped in the branch to check on auto loan options for my son. While I was there, I paid the debit balance in my BB & T checking account which had been closed. At the recommendation of the personal banker, I opened a money account based on the fact it did not have check writing and I could not go below XXXX. 
I told her this was the account I was going to pay my mortgage modification loan. She printed out a sheet with the routing number and account number to give to XXXX Mortgage. I made deposits to cover the amount of the loan and called XXXX around mid month to make the first payment. 
Everything seemed to work properly, unfortunately a letter came almost 7 business days later telling me the payment was not accepted because I provided incorrect bank information. 
During this time I also noticed other quarks, such as not be able to fill up at the pump without going in and having the attendant process my request. 

I went back to BB & T, showed them the letter from XXXX. I had XXXX people confirm the account information and there should be no other problems. I went home on XXXX XXXX and called XXXX to make the payment. Again, no red flags, until the letter from XXXX arrived stating the information was invalid, I did not make the payment on time, and they rescinded my modification offer. 

I went back to the BB & T branch with the XXXX letter. It took several phone calls to find out this money account does n't recognize XXXX party ACH payments even if the money is XXXX XXXX in the branch knew about this restriction. I had the personal banker write a letter to XXXX on BB & T letterhead stating I was not aware of this feature. 

I called XXXX and submitted letter from BB & T for consideration of extending the modification offer. They said they did n't care. The money was not paid is all they were concerned about. Then they fast tracked the foreclosure of my home. 

Just yesterday I found out another feature of this account not told to me, I can only deposit cash or another BB & T check into this money account. Again, something I could have been pointed out 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 06/20/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: On XXXX/XXXX/2015, I submitted a complaint against XXXX XXXX XXXX ( Case # XXXX ). The case was opened due to an open case with the landlord. At this time I am in appeal process and no judgment has been filed on the case. There was a hearing on XXXX/XXXX/2015 but was reset for XXXX/XXXX/2015. Per court documentation a XXXX Oath was filed on XXXX/XXXX/2015. At this time I have not been evicted, and I am currently still in the rental property. I have submitted attachments of the Notice of Appeal, as well as both Order of Trial documents for both dates. Each document has been stamped by the XXXX XXXX XXXX XXXX. Until this case has been resolved in front of the judge, the landlord can not place this information on my credit report. Please refer to Case # XXXX for documentation submitted to Consumer Financial Protection Bureau. I have also mailed proof of documentation to each credit bureau, as well as disputed online. 
Each negative reporting of the judgment that has not been granted to the landlord must be removed accordingly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/13/2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: My home was foreclosed before I had the chance to pay the past due. I never got to have my full 37 days to correspond. I am attaching more supporting paperwork to say that my home was taken from me before I could respond after speaking with Carrington Mortgage. Again, another home taken from a Service XXXX Veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Debt collection (I do not know) with TJR Asset Recovery LLC (NY).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: This collector leaves message saying there is a legal case pending against me and that I need to call to stop possible wage garnishment. They also do not leave a message about who is calling and does not leave a return number.

Company response to consumer: Untimely response
Consumer complaint received 11-11-2015 about Credit card () with BARCLAYS BANK DELAWARE (NC).
Issue: Customer service / Customer relations

Complaint: Opened arrival plus account back in XX/XX/XXXX with XXXX score and XXXX figure income I was originally given a XXXX limit which I could n't understand so I asked for XXXX. I was declined for the XXXX so I apped for XXXX more Barclay cards both were approved for XXXX a piece. After using arrival plus for couple weeks I received a call stating a needed to go into bank and do a cash advance in order to verify my identity which was done on XXXX since then I have had maybe XXXX security verifications done asking public record information which I have always been able to provide without issue I added Au to my account and there was a security freeze placed. I asked to speak to supervisor and the csr have refused to put a sup on line and now have frozen my account until I MAIL in my ID front and back is this not XX/XX/XXXX XXXX near XXXX why is it that they will not accept email or fax yet they can accept over XXXX in payments? I am beyond frustrated with the back and forth with them! They made me do cash advance to verify my identity and I was charged {$50.00} I want a refund and investigation of why I have been mislead and mistreated

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/22/2016 about Bank account or service (Checking account) with U.S. BANCORP (TX).
Issue: Account opening, closing, or management

Complaint: I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the US Bank and did not receive a response. This bank account which was opened online fraudulently in my name was not opened with my knowledge or consent and was not opened by me. Currently it is the only item being reported on my XXXX banking credit report. When this account was opened it was opened in a state I did not even live in.

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 04/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I took a HELOC out in XX/XX/XXXX. I unfortunately could not pay it off and the last payment I made was in XX/XX/XXXX. The credit bureaus are showing all different dates for the date of charge off, they are showing an increasing balance every month from then until current. It looks like the credit union changed the account number so there is some confusion there

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 01/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The company continues to repeatedly call and harass me during working hours even after I have asked them to stop. I get calls from them when I am in important meetings and it is putting my job in jeopardy.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have several accounts that appear on my credit report that I have inquired about with Navient to have removed from my report as well as my statement with them I never had a high school diploma or GED at the time these loans were taking out the college did this against my knowledge they knew I did n't have a diploma or GED the college has closed all schools in my area the college was first called XXXX XXXX XXXX which was then named XXXX XXXX XXXX the school was closed for scams as well as fraud plus not being a accredit college. I have received response stating Navient can not find a GED or High School Diploma on file for me which is correct so the loans should be removed due to that it proves what I 've been saying to them the ability to benefit. Navient has a current lawsuit against them and I feel I 'm being pushed off due to this cause this will also prove that loans they have giving out or that Department of Education or XXXX XXXX have giving out to people we 're never investigated or checked to see if they had the necessary documents to receive loans.

Company response to consumer: Closed with explanation