milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-01-2016 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Dear XXXX, This letter is to address an XXXX XXXX bill that was sent to collections back in 2011. I am disputing this because I never received a bill from XXXX XXXX. And when I tried to communicate with XXXX XXXX, they told me the address they sent the bill. That address they had on file was not my correct address. I told them there was a mistake and this was not my address or the address I gave to them when I signed up for the XXXX credit card. XXXX XXXX told me they already sent the bill to collections and it was out of their hands. That 's when a {$20.00} dollar bill turned into {$270.00}, which really upset me to not want to pay the bill at all. 

Now it 's 6 years later and I am trying to get a home and refinance my student loan. I have my XXXX child on the way and I need to provide for my family. I can not do so because of this negative credit report from XXXX XXXX. I ca n't believe how these pair of flip-flops I purchased from XXXX XXXX has haunted me. I do n't care anymore that a twenty-dollar purchase at XXXX XXXX has turned into a {$270.00} dollar purchase. I already paid the bill that was owed to the collections agency, XXXX XXXX. I asked for a pay for deletion and they said that I would need to talk to XXXX XXXX 's Charge Off Department. I was sent to you and asked to write a letter to this XXXX. I know you get these letters every day, but there has been an honest mistake. I am asking for you to see a person, not another letter. I am asking you to listen and try to understand my situation. I am a person, just like you. Trying to better myself to better my family, just like you. Trying to feed a family and make a life for them, just like you. I am asking for your help to get this error corrected. Specifically, I am asking to get this negative mark from XXXX XXXX off my credit history. I understand you 're busy and it is hard to read letter after letter and care. But please try. This is my life. 

I appreciate your time and understanding. If you have any information that would help my situation, please let me know. 

Thank you, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: After doing a routine check on my credit report, I noticed a collection on my report from Enhanced Recovery Company, LLC., for a debt that does not belong to me. 

A certified letter was mailed to Enhanced Recovery Company on XXXX/XXXX/2015 notifying the company of the false debt and the immediate deletion of the debt from my credit history from all credit reporting agencies. 

Enhanced Recovery Company received the letter on XXXX/XXXX/2015. Enhanced Recovery Company continues to ignore the certified letter and continues to report a false debt to all credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/19/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Transaction issue

Complaint: I recently contacted Capital One regarding a chargeback item that I was charged for services that were supposed to be rendered. Once the initial dispute was created online, I was not contacted again by Capital One or given any type of statement credit. I followed up with Capital One around 30 days later, only to find that my dispute had gone nowhere. They showed the dispute in their system, but told me that because the charge was prior to 120 days from today 's date " there was nothing they could do about it ''. I attempted to contact their Transaction Support Center again and at that time they informed me they would send me a packet to fill out and return. Today, I received a XXXX-page letter stating that " if you still want to dispute the charge, you will need to contact the merchant and work directly with them on this matter. At this time, we consider your case closed. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been set up to repay based on income several times and it always seems that either paperwork does n't get mailed to me for deadlines, payments have been taken out twice, payments have n't been taken at all resulting in me having to start over in the rehabilitation programs, I was hounded before I even graduated, and they are saying I owe way more than borrowed. My student loans are double the cost of what school was supposed to cost me.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Deposits and withdrawals

Complaint: Hi, I deposited a couple of checks on XXXX/XXXX/2016 for amount of XXXX $ and the bank made the amount available with in a time of 10 mins, but i waited one day to draw the amount after three business days the bank saying the checks are rejected and deducted money from my account. 
As per the rules, if the amount is more than {$200.00} the amount should not be available until the checks are cleared. 

I tried couple of times to speak with bank of america customer care, they are not responding, Simply placing my call on hold. After a couple of attempts I got one guy he said, we are sorry for that we would give you {$24.00} the fee which was taken for the rejection checks.And some are saying based on our relation we make the amount available with out clearing the checks. 

I lost {$2300.00} because of their fault, I went to deposit the checks in the bank, the bank teller make me to deposit in the atm and after three business days they said the checks got rejected. please help me on this issue.

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 07/24/2017 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (CO).
Issue: Trouble during payment process

Complaint: I had made a payment ofXX/XX/XXXX with it being a Saturday on Pennymacs website. The Pennymac had my credit unions information listed. On XX/XX/XXXX which is a Tuesday I had this emailed sent to my PennyMac confirming that my payment was processed and approved. From : **Automated Message** When : XX/XX/XXXX @ XXXX XXXX Re : Loan # XXXX Dear XXXX XXXX , We have successfully processed the Payment transaction scheduled for XX/XX/XXXX, for the amount of {$1000.00}. Sincerely, The PennyMac Team On Friday the XXXX I had started to wonder why the money was n't taken out of my bank. I had tried emailing and calling the company. When I had called the company the automated phone line had said that my payment was received and processed. I could n't even get a live person if I tried to. Today Monday XX/XX/XXXX I hear back from a representative saying my Subject : Payment From : PennyMac Loan Specialist When : XX/XX/XXXX @ XXXX XXXX Re : Loan # XXXX XXXX XXXX, Yes, we received the payment you made on XX/XX/XXXX and it was returned by your bank unpaid as " Account Closed '' on XX/XX/XXXX. Your account is still do for the XX/XX/XXXX payment. Thank you for allowing me the opportunity to be of service. XXXX I am confused on how a payment can be processed on XX/XX/XXXX with a confirmation and than today I am now first learning that it was sent back by my credit union. When I had contacted my credit union today they had told me that I have a active account also I ended up using my bill pay to send off the payment. I am now getting a late fee for a payment that I was n't made aware that was even late. I honestly do n't believe they would even told me anything. I also just received a notice saying my escrow is in the negative when I had enough money to make the insurance and tax payment. I just feel this company is out to get consumers. I am not the first and wo n't be the last to have this company investigated. I just want to make others aware of this company. This is the 2nd time I have used the site to make a payment and this happens. I can promise I will never use the site again and always use my credit union. Once I find a different lender I will be gladly switch over.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Bank account or service (Checking account) with BB&T CORPORATION (NC).
Issue: Account opening, closing, or management

Complaint: I XXXX XXXX XXXX had an account with BB & T BANK Routing # XXXX & Account # XXXX, in XXXX NC XXXX. BB & T 's Bank Manager told me that his Representative will CLOSE my wife & my Account as of XXXX XXXX. XXXX, she did ( letter enclosed ). I ( XXXX XXXX went to BB & T to make sure this was recorded in their files, it was not.I spoke to a XXXX XXXX XXXX at BB & T she stated that, quote '' that manager was n't suppose to CLOSE this Account & he was n't suppose to wave any fees, you 're have to pay all fees & your Balances '' unquote.Well, here 's our " Account Closeout Receipt enclosed! '' Our name is in the XXXX, because of this! Sign, XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I am a co-applicant on a private loan with  Navient (  XXXX  ). I wo uld like to know, if I am held responsible for this debt as much as the applicant why do n't I have a say in what goes on with the loan ( as far as skipping payments or paying interest only ). I have never had any contact with anyone asking if the payments could be interest only. I think after they have given the applicant the authority to change their payment options, the loan should fall only on the applicant. Could you please help me with this?

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (DE).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: The information that is reporting on my credit report regarding this loan is grossly inaccurate. I have attempted several times, in vain, to contact the company to have this information verified and if not, removed. Yet they continued to update the same information including inaccurate balances, false notifications of debit, and incorrect dates. Wells Fargo was not even the original creditor of this loan and it appears they have the date they took over the loan listed and not the actual date. Hence so much confusion regarding the validation of the debit, balance, and payments. Once the vehicle was repossessed it was then sold and I was supposed to be notified of any balance which they never did. But moreso this was over 8 years ago and its still on my credit report and they refuse to remove it or provide validation of the debt they continue to say its valid without providing proof as the law demands. 

Since none of this has not been done I am asking the CFPB to investigate their deceptive business practices. This debt has remained on my credit report despite the numerous disputes far past the allotted timeframes. 

Sincerely XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Other

Complaint: I have a perfect payment history with Barclay Card and for months now, they put 10 business day holds on payments made for no reason. While on hold, they have my funds already cause it cleared my bank, yet they just sit on it for 10 days. This is beyond ridicuolous cause it effectively freezes any spending from happening.

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 01/31/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I am and have been a student that has been enrolled in a program at least half time. Every 3-6 months despite my student status, I begin to receive harassing emails and phone calls from Navient demanding payment for loans that are deferred. On at least 5 different occasions I have told them that I am a student and to stop but every 3-6 months it starts again. I have one loan that is on automatic payment that should only be {$25.00} a mint while I 'm in school. This month, they deducted the full amount from my account and I can not get in contact with anyone to get the money returned.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX offered me a pay and delete offer in XXXX, in which I accepted and paid {$93.00} in XXXX XXXX. XXXX cashed the check on XXXX/XXXX/XXXX and as agreed in the settlement offer, they should have updated my account information with all XXXX credit agencies. Therefore, it was illegal and unlawful for XXXX to sale the debt to a collection agency. I sent letters to XXXX with prove of the agreement/contract from XXXX and all they did was send me XXXX home phone bills from XXXX. It still did not show that I owed XXXX anything. I do NOT owe XXXX the full amount of the debt because this debt was paid and settled with the original debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: OCWEN Loan Servicing is so messed up that they sold our home, AFTER they contacted their attorney to stop the sale of our house!!!! OCWEN contacted their foreclosure attorney to stop the sale of our home on XXXX XXXX, 2016, but the foreclosure attorney failed to contact the Sheriff and our house sold. We had no idea that there was a sale on our home, as OCWEN placed the sale date on our home nine days before it sold. We are confused and VERY UPSET because OCWEN wanted to stop the sale, but either OCWEN or their attorney screwed up and we are paying the ultimate price. My husband and I even had an appointment with our OCWEN Case Manager on XXXX XXXX, 2016 to discuss what kind of workout option our loan would be reviewed for assistance options ; seven days after the sale! The right hand does n't know what the left hand is doing at OCWEN and it is costing us our lives. The foreclosure attorney is willing to revert the sale, but OCWEN just decided yesterday that they will not revert the sale!!! We will be homeless now and it is n't fair. OCWEN was fined {$2.00} XXXX a few years ago for what they did to AMERICAN homeowners, but they continue to take homes away from us, apparently without recourse. When my representative contacted OCWEN on the day of the sale, he spoke with an Escalation Manager with OCWEN named XXXX ( employee # XXXX ) who said that OCWEN sent the request to postpone to two separate emails at the foreclosure attorney 's law firm ( XXXXXXXXXXXX and XXXXXXXXXXXX ), but the attorney did not contact the sheriff in time. Clearly OCWEN and their attorney do not have the communication in place to ensure homes do not get sold! When asked when OCWEN decided to stop the sale, XXXX said the notes do not make sense and he can not tell when the sale was postponed internally. XXXX said that if the sale goes on and it goes back to OCWEN, it is possible for them to rescind the sale. After the sale occurred, we contacted OCWEN, but they only gave us two numbers to leave a message on and we were told that OCWEN would decide what happens and we had no say in the process. Well, they cold-heartedly decided that the sale is going to stand and that we have to be out of our home. When we asked if we could appeal the decision, they gave us 48 hours, but they mailed the appeal form and we will not receive it until after the deadline passes. PLEASE STOP OCWEN FROM ILLEGALLY STEALING OUR HOME!!!! They wanted it stopped and the property went back to them, so they can just give it back. HOW CAN THEY BE THE JUDGE, JURY AND EXECUTIONER and throw us into the streets?!?

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Mortgage (Other type of mortgage) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Closing on a mortgage

Complaint: Thanks for documents you sent me, I concluded after my investigation that you are part of the ongoing fraud that  XXXX   XXXX   XXXX  Has orchestrated with  XXXX   XXXX . You have shown on your transfer documents only the current balance, but my monthly statement with deferred balance. There is no deferred balance on my mortgage and that will violate federal law. and even the current balance is questionable. The court will sort out and take the suitable action. I will attach this complaint with some document which you have already have but to refresh you memory in case you misplaced. please study those documents and contact with   XXXX   XXXX    XXXX  about its authenticity. Please provide me my account manager. I will see 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 03-08-2018 about Debt collection (Other debt) with The Receivable Management Services Corporation (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have reached out via mail to Receivable Management Services on two separate occasions asking them to provide proper validation of this debt. They have responded with the same improper validation to both letters. I am aware that in order to continue to report the debt ( as they are currently doing ), they must be able to verify that it indeed belongs to me. They have not. 
The documents attached are in the following order 1. The first request for debt validation sent by me 2.  The second request for debt validation also sent by me 3. RMS 's response to both the first and second letter

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 05/31/2017 about Debt collection (Other debt) with ERC (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: as of  XXXX  or earlier   XXXX   was reported a {$570.00} balance, this is after I ended my contract with a   XXXX    balance in  XXXX . I have asked numerous times for proof of the contract agreement and the finally bill and receive d nothing..   XXXX  and erc are giving me the run around

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My Mortgage Company, Ocwen Loan Servicing, has completed my escrow analysis based on erroneous Information. The analysis stated that I did not have flood insurance, when in fact I do, through XXXX XXXX XXXX XXXX XXXX ( as of XXXX XXXX, 2015 XXXX. I have provided proof of insurance via email/fax and have proof my mortgage company received the updated report. Ocwen is insisting I continue to pay the significantly increased mortgage escrow XX/XX/XXXX which I can not afford. I have explained the situation and shown proof of insurance, however, they insist I will go into foreclosure if I do not pay the amount they request. 

It seems to me they want me to go into foreclosure and are unwilling to assist. I will also note that my original loan was with XXXX and was subsequently sold ( unbeknownst to me XXXX to XXXX. 

I do not clearly understand how I can be charged for something I did n't request and already have from another carrier. This is theft in the worst way. I am a minority woman raising XXXX children on my own. I hold a full-time job and all of my children are in school - how is it possible that a mortgage lender can blackmail me in such a way?? 

Please help! 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I NOTICE ON MY CREDIT REPORT XXXX XXXX NEVADA ADDRESS AND I NEVER LIVED IN XXXX XXXX NEVADA.  I DO HAVE FAMILY IN XXXX XXXX NEVADA AND A RELATIVE THAT NAME IS VERY SIMILAR TO MINE. I PROVIDED THE CREDIT BUREAUS WITH 17 YEARS OF ALABAMA STATE ISSUED DRIVERS LICENSE AND I SENT OVER TO CREDIT REPORTING AGENCY TO SHOW THEM THAT I HAVE BEEN IN ALABAMA ALL MY LIFE AND THIS IS NOT MY DEBT. AND THEY STILL WANT CORRECT OFF MY CREDIT REPORTS ALL 3 XXXX  XXXX, TRANSUNION. THERE WAS A CHAPTER XXXX, VEHICLE, LOAN, REALTY COMPANY CHAPTER XXXX BANKPRUTCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE ARE NOT MY DEBT. NEVER LIVED IN XXXX XXXX NEVADA. PLEASE ASSIST

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