milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-06-2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (SC).
Issue: Loan servicing, payments, escrow account

Complaint: My loan servicer is Ocwen. Since they bought me from XXXX, my life has been a living XXXX. They shined me on during the XXXX modification process, kept telling me they did n't have my Dodd Frank form that I sent them XXXX times, gave me a trial mod and had me make payments while all the while reporting me late to the credit bureaus, and then finally, illegally foreclosing on me while I was in a XXXX. I went to court, fought them off, and got a load mod. They made me do trial payments again, stalled for 8 or 9 months in getting me my new paperwork, but did reduce my payment to $ XXXX/month. They settled with this in house mod, and now, I am facing foreclosure again, because they lost a payment! There 's no winning with these folks! I have proof they not only got that payment but cashed it. And they have reported me late again to the credit reporting agencies XXXX times since the cashed payment went missing, which ties my hands from being able to refinance with anyone else. They made and end run around federal oversight in the XXXX place by stalling my Hope for Homeowners applications, then again with the in house modification. They made me waive my trial by jury rights, and sign a confidentiality agreement. And now, with this new fictitious lost payment, they already have committed mail fraud XXXX times by reporting me late for a payment they cashed ... ..why is no one going after these guys for XXXX violations? They were already found in collusion with XXXX for force placed homeowners insurance plans that were sold at inflated costs. 
And my {$1000.00} payment? 20 months later and right back up to {$1500.00}, because now I 'm being forced to keep XXXX my escrow costs in the escrow account. 
Do n't make a deal with them. You 'll end up in court again, as I am going to be soon. They have no intention of doing anything except steal from their clients as much as they can. 
Also, the new regulation they are supposed to assign you XXXX person as a point of contact in loss mitigation? Yeah, they do n't do that either. Yet they have XXXX of folks calling me XXXX a week for months to harass me. 
The only thing that their confidentiality clause did was keep me from talking under risk of immediate foreclosure. Guess what, illegally foreclosing on me again is n't likely to persuade me to not talk. I 'm in south carolina. My county has been suing them too, and winning. This company is a collusive criminal enterprise being sued and losing in multiple states. The federal government must step in and put a stop to this!

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Debt collection (Other debt) with Franklin Collection Service, Inc. (FL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: 0n X/2017 I received a debt collect notice from Flanklin Collection Services in XXXX, MS XXXX case # XXXX for {$300.00}. This collection notice is for services of Data to me by XXXX XXXX XXXX account # XXXX. This collection is for overcharges of used Data for a Tablet that I got when I installed XXXX XXXX services at my home. I did not request the Tablet. I was disputing these charges. They kept charging me when I was requesting for them to take the Tablet. When I saw the charges I called XXXX XXXX XXXX, they did not want to take the Tablet back. They said that it passed the 15 days of grace period that I have keep it and pay the charges. I called them within a month. I disputing the case XXXX XXXX XXXX XXXX when they cancelled Tablet services, the XXXX XXXX service and charged me.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Back in XXXX, I notified XXXX, XXXX and Transunion of fraudulent activity on my credit report with XXXX XXXX XXXX multiple accounts fraudulently reporting and XXXX and XXXX XXXX hard inquiries fraudulently acquired without my permission. As of today, nothing has been done. I 've provided XXXX and XXXX with requested info such as police report, identity theft affidavit, FTC identity theft report and more but Transunion, XXXX and XXXX have not deleted inaccurate accounts and inquries off my credit report. XXXX XXXX XXXX accounts are not mine. XXXX, Transunion, and XXXX has not complied after I have complied by provided proof those accounts are not mine or permanently deleting them off my report. They have repeatedly violated my rights as a consumer and are in violation of crediting reporting laws.D

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NE).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected ; I received no email, letter, or phone call and instead had to discover it via social media. 
On top of it all, they had n't used encryption for any information. Anyone who could get into their systems can view all of your personal information, rather than getting access to the data, but not being able to decrypt it.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Mortgage (Conventional fixed mortgage) with VALLEY NATIONAL BANCORP (NJ).
Issue: Credit decision / Underwriting

Complaint: I received statement of credit denial ( see attached Valley National Bank Credit Denial ) regarding refinance of home loan with Valley National Bank for primary residence. 
Complaint is regarding Valley National Bank is not refunding {$490.00} origination fee. 
According to Valley National Bank Disclosures and Authorization document, under section REFUND OF ORIGINATION CHARGE AND OTHER FEE ( see ( XXXX ) in attached Disclosures_And_Authorization document ) Origination Charge ( The amount collected ) is not refundable, except under the followingcircumstances : ( XXXX ) your application is denied and our decision is based on reasons other than valid underwritingconsiderations which we knew, or should have known, from the facts contained in your application ; My refinance loan was denied because of pending HOA litigation which was the fact contained in my application ( see attached CONDO ADDENDUM, provided with myloan refinance application. Look for " is the project the subject ... '' ). 

For that reason Valley National Bank has to refund {$490.00} origination fee. 

I spoke to XXXX, XXXX XXXX, and XXXX XXXX and they all said we ca n't sell/re sell your mortgage in secondary market due to pending HOA litigation and we ca n't approve refinance home loan. 
I did not get any answer from customer service or XXXX XXXX, XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have done my due diligence in regards to four accounts. I have contacted the companies that these are unverified and no contract accounts since XX/XX/XXXX. By calling and disputing over the phone. Also mailing four rounds of certified 609 dispute letters sent. Last sent certified XX/XX/XXXX. These are the accounts : XXXX XXXX Bank {$300.00}, XXXX XXXX {$400.00}, XXXX XXXX XXXX XXXX   {$310.00} and XXXX XXXX {$300.00}. This has been ongoing since XX/XX/XXXX and now XX/XX/XXXX. It is time to get a resolve of closure. 

These accounts are reporting closed Collection accounts but currently open and over credit limit by {$1.00}. derogatory remarks, late payments and charge offs/Bad Debt. All of this is negative reporting. 

I have been fighting these accounts and hard inquiries since XX/XX/XXXX. These are preventing me from home ownership my lender continues to tells me. They need to be removed off of my reports it is causing adverse direct affect to my credit scores. 

There were also certified Hard Inquiry Letters with company name and date of inquires listed sent to each bureau TransUnion, XXXX and XXXX  in XX/XX/XXXX too. 

I filed online complaint with Consumer Financial Protection Bureau in XX/XX/XXXX in regards to these four accounts. First I find it unacceptable from XXXX that my address provided is not reporting in my credit file. Since XX/XX/XXXX through XX/XX/XXXX I had received several correspondence in regards to updated personal information, inquiries and new accounts. Even updated reports through that time period to the address I provided. Nothing had changed. As a bureau just not dealing with the delete and removal of these accounts. 

I requested from each bureau to provide name of investigator of my file which is a Federal right and to provide signed contracts to verify accounts as mine. You ignored this request as well which is evidence of your willful disregard of the Law. By sending email or whatever form of verification to CFPB on your part of said investigation is in violation. Also continuously telling me to contact the companies is shifting the burden and in violation of 15 U.S. Code 1681 ( a ) ( 4 ). The dates in XX/XX/XXXX of initial complaint shows there wasn't a 30 investigation done. 

I am a consumer and intend to pursue litigation in this matter.to enforce my rights under FRCA. 

I demand that you delete all of the accounts listed and hard inquiries in certified letters immediately. I want an updated and corrected credit report showing that these items have been deleted and removed. This is my complaint and demand.

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 02/18/2016 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Received letter from XXXX XXXX XXXX XXXX XXXX I sent letter as i do not owe them anything. They claim to have purchase third party debt from MBNA.

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 03/30/2015 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (IA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I was in the XXXX program at XXXX XXXX XXXX XXXX College in Iowa. I had taken out all of the federal loans that I could available to me. The head of the hygiene department recommends you do n't work during the program because it is so difficult. XXXX recommended the Wells Fargo student loan program. I was naive signing up for the loan because I thought I could pay it off quickly after school. I could n't have been more wrong. 

Unfortunately, I was moderately XXXX right out of XXXX school from a bad XXXX who called me by the wrong name then XXXX Not Wells Fargo 's fault but I have been working full time in constant pain making a good income to pay off this student loan. I am struggling to pay it off because the interest on the loan is so high. And I 'm doing that because I want to do what 's right and pay off the amount I borrowed from Wells Fargo. It 's a 30 year loan and the interest rate is 12.24 %. Almost all of the payment goes to the interest on the loan, not the principal. The amortization schedule is crippling. 

I took out {$20000.00} initially. By the time I started repayment after XXXX, I owed $ 27,000+. I 've been paying for 5 years totaling {$12000.00} and the principal balance still owed is {$24000.00}. We 've asked them repeatedly if they would accept a payout amount and have been turned down and they want {$24000.00}. We 've even stopped making payments at their customer service staff 's recommendation which damaged my credit to see if they would work with us. I was almost to default ( I cringe thinking about it ) and no luck they would not work with us. Also, Wells Fargo denied their customer service reps would ever recommend that to us. 

I found out another girl from my XXXX class is struggling with the same issue. I 'm not alone. I ca n't even imagine how many other past students are struggling with this right now. Please, I beg you not to take out a Wells Fargo student loan so they can no longer offer this predatory loan to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have never been to this hospital or even city continued harassment at work and on personal cellphone

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (UT).
Issue: Problems caused by my funds being low

Complaint: We were charged {$64.00} in overdraft fees for transactions that occurred on the same day. One transaction was for {$7.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/24/2015 about Credit card () with DISCOVER BANK (PA).
Issue: Closing/Cancelling account

Complaint: My discover credit card (account number ****************) was closed by Discover XXXX. But they never warmed me before nor explained to me that how I violated their policy.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I checked my credit report to find that Bank of America is reporting my account as 30 days past due one time. I do n't ever recall being past due on this account and I find it quite odd that 1 ) it has n't been updated since XX/XX/XXXX and 2 ) they fail to indicate on the report when ( what month and year ) I was allegedly " past due. '' When I wrote to them in XX/XX/XXXX, their response was that " there was no payment record error made and the delinquency that appears on the file is valid. '' I do not agree with this. They fail to indicate when ( if at all ) I was past due and refuse to remove it. I specifically request verifiable proof from Bank of America to confirm the accuracy and validity of said reporting and if they can not comply within 15 days, which is plenty of time to satisfy my request, I request that the derogatory remarks of " Past due, 30 days '' be removed from the reporting of this account from all three major credit bureaus, XXXX, XXXX and 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 04/30/2015 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: On XXXX XXXX, I ordered a XXXX-bureau credit report online for {$1.00} from CreditCheckTotal.com ; as a part of the ordering process I provided my personal information and payment details to process {$1.00}. There was an offer for monthly services which would cost $ XXXX/month, I did not select this serivce. On XXXX XXXX, my account was debited by Experian for {$29.00}. I called to inquire and was directed to Credit Check Total requesting that my account be refunded for the {$29.00} as I did NOT authorize any deductions nor did I agree to any memberships. I spoke with XXXX associates and XXXX supervisors and was told that they would cancel my 'membership ' but they would not be able to refund my money. Even after expressing my frustration and my concern regarding their tactics, which I feel are manipulative and evasive ; no one would honor my request to have my money refunded. I also sent an email to the customer relations departments for both Credit Check Total and Experian. Credit Check Total 's response was that they could not refund the money that was taken but that my account was now closed. 
This company does not care that a consumer feels misled by their advertisment, all they care about is collecting {$29.00} from as many people as they caan. I am very upset over this and from now reading reviews from other victims, it is clear that this company is strong-arming consumers and taking our money. Credit Check Total is a poor representation and their only goal is to profit from comsumers using manipulative tactics.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stenger & Stenger, P.C (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I received a letter from Stenger & Stenger, A Professional Corporation in regards to a debt of {$690.00}. The debt do n't belong to me. I am a victim of identity theft. The account is fraudulent and unauthorized. I have been receiving harassing telephone calls and death threats.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (CA).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: Several times in the past week, Recievables Performance Management LLC has contacted me before 7 am.  The people calling can not even communicate ( though I asked where they were from and what it was about repeatedly, I could never understand until I got a letter a few days later ). Furthermore, the supposed debt they are trying to collect is completely bogus, but that 's for another complaint.

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 03/21/2016 about Debt collection (I do not know) with First National Collection Bureau, Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from First National Collection Bureau , Inc. stating that their client " XXXX XXXX XXXX '' is offering a discounted offer to pay off a debt. The letter indicates the current Creditor is XXXX XXXX XXXX and the original creditor is XXXX. I have never held accounts with either of these entities and feel this debt is not valid and certainly not my debt. I have done some research online about XXXX Funding and find that there is a ton of information on credit reporting websites that show this XXXX company is conducting illegal collection activity. I am writing this company back directly disputing this debt and requesting that they remove my name and address from their accounts and cease and desist in all further contact or request for payment since this debt does not belong to me and I have no responsibility to pay this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (GA).
Issue: Charged fees or interest you didn't expect

Complaint: OnXX/XX/XXXX, I applied for a loan through Big Picture Loans. I was approved for {$600.00} loan. They quickly approved my loan and within a few days, after giving them my banking information, I received the {$600.00} as a direct deposit into my XXXX XXXX XXXX Account. I was told there would be a finance charge, but there was no disclosure about the APR. When I received the first statement, they sent the following information ( copied from the emailed statement ) : Loan Status : Current Balance : XXXX Principal Balance : XXXX  Interest Balance : XXXX Scheduled Payment Amount : XXXX Next Scheduled Due Date : XX/XX/XXXX Due Date : XX/XX/XXXX Maturity Date : XX/XX/XXXX Amount to Bring Current : * XXXX Past Due : XXXX Fees Due : XXXX Current Due : XXXX Total Due : XXXX The only thing that caught my attention and made me think something was wrong was the maturity date. They are taking XXXX out of my checking account twice monthly. Why would the maturity date be XXXX XXXX? I have called the company and sent emails requesting more information with no response. Yet the payments are continuing to draft. I finally went on the website and figured out how to find the actual agreement, which states I am paying 636.2942 % interest, and at the maturity date I would have payed in total {$4300.00}. This is outrageous and I believe it is illegal in the state of Georgia. I was not informed of this interest. I would have never done this. I was unable to view the truth in lending disclosure until the loan was approved and the funds were delivered. I believe this is both fraud and illegal. I was furthermore informed by the company that they immune to the laws of the federal government because they are governed under tribal law.
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I need help. I do not mind paying what I rightfully owe to this company, however, I believe that 636.2942 % interest is illegal loansharking at best. I need assistance in handling this problem. To this date, I have paid a total of {$500.00} ( XXXX paid on XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX of XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I sent dispute letters out on in XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX. The account I am inquiring about I asked them to validate not verify this account. The company keeps sending me letters saying the account is verified, but did not validate as in showing any signature 's to show me this account is mine. Also calling the company asking them to validate not verify they never have me validation of this particular account. I asked numerous amount of times can you please validate out delete within the 30 day period, and the company keeps saying my account is verified. I asked for the name of the person verifying this account and information used to verify this account and they denied giving me the information, and I have rights as a consumer to know this information. They sent me a letter saying I can not dispute the account in question anymore. As a consumer I have the right to dispute, and ask about an account on 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