milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-01-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I have a mortgage that was modified in XXXX XXXX through the XXXX XXXX XXXX XXXX XXXX program. I was promised a " Borrower Incentive '' of {$83.00} per month accrued as a monthly benefit to my mortgage loan to reduce principal and to be applied each of the XXXX through the XXXX anniversaries of the month in which the Trial Period Plan was executed ( XXXX XXXX ). 
Although the incentive has been applied it has not been applied in full for any of the anniversary dates other than XXXX. 
The loan was originally modified by AHMSI, American Home Mortgage Servicing Inc, then went to Homeward Residential and now is with Ocwen. 
I can see documented and the Incentive applied as follows : XXXX/XXXX/XXXX {$910.00} ( Homeward Residential *attached ) XXXX/XXXX/XXXX {$830.00} ( Ocwen *attached ) XXXX/XXXX/XXXX {$910.00} ( Ocwen *attached ) XXXX/XXXX/XXXX {$1000.00} ( Ocwen *attached ) XXXX/XXXX/XXXX {$5000.00} ( Ocwen *attached XXXX Treasury additional incentive applied on 6th yr anniversary ) https : //www.makinghomeaffordable.govXXXX I am unable to verify the Incentive was applied in XXXX, the first anniversary and the first Incentive payment due, and most of the amounts that have been applied do not equal the Borrower Incentive as promised. 
I have asked my mortgage company for details and have been unable to find resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I checked my personal credit reports and I noticed unauthorized inquiries had been made. I contacted the companies who conducted the inquiry to advise them that I did not authorize the inquiry and asked them to remove their credit inquiry from my credit profile but to no avail. XXXX : XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX, XXXX XXXX Equifax : XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2018 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (LA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Apparently I was seen in the emergency room at XXXX XXXX XXXX on XX/XX/XXXX and XXXX 2013. I have contacted the hospital for proof that I was on Free Care. The hospital was going through a transition at this time and no longer has access to these records. They do show that I was there and I paid nothing for my emergency room visits. The collection agency XXXX XXXX XXXX claims that they can not give me any information about the original billing office, XXXX XXXX XXXX XXXX XXXX. This is supposed to be a bill for the doctors who took care of me during these two visits. I have never received any bills from either XXXX or XXXX. After speaking to 3 different people with XXXX   XXXX XXXX today, I asked to speak to a supervisor. I received a call back from a female. Her English was very broken and I couldn't understand what her name was. Prior to her I spoke to XXXX and XXXX. I was informed by XXXX and XXXX and the supervisor that it was against the law for them to give me the contact information for the original billing office. I was asked by the supervisor if I remembered going to the emergency room on these days and I told her no, this was almost 5 years ago. After telling me repeatedly they were unable to give me any information. I just had to pay this or I was going to get sued and it would ruin my credit farther. She also said I had admitted being seen at the hospital on these days. So I reminded her of my statement and she said that was incorrect. I asked that she rewind the recorded conversation and she refused to do that also. I tried on my own to find the billing company 's contact information. I couldnt find any information on XXXX or from the hospital itself. I do not have an issue with paying for my bills. I only have 3 collections on my credit report. I have spoken to the other collection agency and I am waiting on paperwork from them. 

I dont understand why one company is having an issue with giving me the original billing companies contact information and XXXX XXXX is being courteous and accommodating. 

I look forward to having this issue resolved and being able to move forward in my next venture.

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 05-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I had my XXXX credit report done on me ... .and it turns out that my identity was stolen ( back in XX/XX/XXXX/XX/XX/XXXX ) ... .without my knowing ... .and my information was used to open several accounts. I have file a police report stating the theft.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Vehicle loan or lease (Loan) with American Credit Acceptance, LLC (SC).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: I purchased the car over a year ago and the interest rate was extremely high, I called to get interest rate lowered to I have made all my payments on time and they said they did n't do that.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 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: Account status incorrect

Complaint: On XXXX XXXX I reviewed my credit with XXXX and they have my XXXX score is very damaging at XXXX in which it should be higher than that. XXXX statements of 60 days late payment and collection and 10 hard unauthorize inquiries has n't been deleted from my credit file after my file Bankruptcy Chapter XXXX on XXXX XXXX and it was Discharged by XXXX XXXX Federal Judge on XXXX XXXX No negative statements, collections and unauthorize hard inquiries should n't be on my Credit report with XXXX, XXXX and Transunion. I did n't authorize no creditors to pull my credit without my personal signature, and if my signatures was provide it, than creditors should supply to Federal Government. The ten hard inquiries 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX.XXXX.XXXX pulled on XX/XX/XXXX XXXX XXXX XXXX . 2.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX pulled on XX/XX/XXXX and XX/XX/XXXX 3.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.pulled twice in XX/XX/XXXX, even though I have car loan with XXXX why they pulled my credit without my consent. 4.XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX pulled on XX/XX/XXXX5.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX.pulled on XX/XX/XXXX 6.XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX.pulled on XX/XX/XXXX 7.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX . XXXX.pulled on XX/XX/XXXX 8.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.XXXX XXXXpulled on XXXX/XXXX/XXXX 9.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX . XXXX.pulled on XX/XX/XXXX 10.XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX.pulled on XX/XX/XXXX and XX/XX/XXXX These are hard inquiries that are damaging my credit scores and plus collections and negative statements by XXXX, Transunion and XXXX. <P/>Also I never resided or lived at XXXX XXXX XXXX XXXX, XXXXXXXX.This address is on XXXX, Transunion and XXXX.This is Fraud.address

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 non-monetary relief
Consumer complaint received 03/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with SYNCHRONY FINANCIAL (NV).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I do not recognize this hard inquiry that appears 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 non-monetary relief
Consumer complaint received 06/30/2016 about Consumer Loan (Vehicle loan) with FIRSTBANK PUERTO RICO (PR).
Issue: Taking out the loan or lease

Complaint: I had to open a case with the XXXX Department of Consumer Affairs. When I bought my vehicle, the purchase order said one thing, but when the promissory note arrived from the bank, there was an unnecessary extended warranty included, plus an unnecessary paint treatment. Both of those things added up to approximately {$7000.00} with interest. I asked the dealer to redo the loan, but they didnt. I have an appointment with the Department of Consumer Affairs on XXXX XXXX. Nonetheless, FirstBank has been making constant threats against me. They call me up to four times a day. Theyve visited me four times, threatening to repossess the vehicle : a XXXX Ford F150. I told them that I have an appointment on XXXX XXXX, and that if they want the vehicle before the Department of Consumer Affairs decision is made, they would have to get a court order.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have sent various letters to trans union asking them to verify the chapter XXXX bankruptcy that they are reporting on my credit report with my signature, they keep sending me reports back stating its verified but not stating how, or sending proof that this bankruptcy actually belongs to me I have proof that they have n't verified from the courts because the courts do not verify

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 11-08-2016 about Payday loan () with Midwest Recovery Systems (CA).
Issue: Received a loan I didn't apply for

Complaint: So on XXXX XXXX 2016, I login in to my XXXX and this debt shows up stating I owed XXXX from XXXX. 1St of all I have never heard of this company. 2Nd I have never received anything about a debt from the original creditor or the 3rd party collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Debt collection (I do not know) with GC Services Limited Partnership (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I AM RECEIVING A CALL I THINK IT IS IN REGARDS TO A STUDENT LOAN. I AM CURRENT WITH MY STUDENT LOAN DEBT, AND OF MY BILLS ARE CURRENT. BUT THIS COMPANY CALLED GC SERVICES CALLS ME EVERYDAY ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/23/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (NY).
Issue: Money was not available when promised

Complaint: I have an account with Coinbase, a  XXXX   XXXX -based   XXXX   trading platform. On  XXXX   XXXX  , 2017, I   sold {$790.00} of  XXXX  from my account. The funds were supposed to be transferred to my checking account within 3-5 business days. As of toda y (   XXXX   XXXX ,  2017 ), I h ave still not received payment.   I have tried contacting Coinbase via email and telephone multiple times to inquire. The company is completely unresponsive except for automated replies that do not address my issue or answer my questions.   I need the money and  Coinbase is  profiting from the float. Please help!   Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Credit reporting () with Experian Information Solutions Inc. (OK).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The information reported to Experian for an acct with XXXX contains incorrect or re-aged information. The last payment date should be XX/XX/2008, XXXX days XX/XX/2008, was charged off XX/XX/2009. The charge off date shows as of XXXX and shows a comment of a deferred/interest only payment. I have never made a payment arrangement with this company. I am not disputing the debt, only the dates & the comment and asked they be corrected.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-02-2017 about Debt collection (Medical debt) with Strategic Alliances, Inc. (AZ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: ! st Financial Investment Fund is  trying to collect a debt in the amount of {$2900.00} but have ignored my letters requesting proof of the ownership of the account. I have written them letters requesting they send me this documentation several times but my attempts have been ignored, and I get letters stating I owe the debt but they have never proven the debt is mine despite the attempts. I have nothing in my files that would indicate the debt is mine and i ca n't get this company to provide proof of the debt. How many times does a person need to request proof of the debt from these third party collections before something gets done about them? I feel all my efforts were for nothing because that 's what I got from them.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (WY).
Issue: Struggling to pay mortgage

Complaint: Im writing again, hoping you can contact Wells Fargo and get them to properly review my loan for assistance options. I submitted my application for assistance well before their stated cut-off, and have been diligently supplying follow-up information as requested. In spite of my active review, they have not removed my sale date, which I have been informed is in direct violation of federal foreclosure laws.

To summarize again how I got here, I took a new job in XX/XX/XXXXof 2016. But my first paycheck bounced. It was a nightmare! I worked constantly but wasnt able to pay my bills. Things started to pile up. Late fees added up. It didnt seem like there was anything I could do to dig myself out of this hole. I tried my best, but two of my mortgage checks bounced because I was not being paid. Despite working and working, I couldnt depend the checks I was given would go through. I quit and took another job that paid less.

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 non-monetary relief
Consumer complaint received 07/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TCF NATIONAL BANK (MN).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I have received several calls to collect a debt. I would be fine paying the bill if the person on the other line had n't called me offensive names and threatened to sue me. When asked to speak with her supervisor she has been belligerent and rude. I am uncomfortable receiving calls from this company. They have called me several times a day for the last three weeks.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Account opening, closing, or management

Complaint: This is the 4th time this year Bank of America has returned payments to bank. I have now been banned by XXXX different Banks from using my Bank of America account for them constantly returning payments. Bank of America has signal handed destroyed my credit with their actions. The other day they returned a deposit to XXXX Bank. Earlier this year they returned a deposit to XXXX. They submitted the return on the wrong account and cause my credit account to be closed. Today Bank of America refunded a {$70.00} payment to XXXX XXXX Bank. When I checked my account on XXXX/XXXX/16 I noticed it was at - {$11.00} with the XXXX XXXX XXXX Bank payments pending. Bank of America purposely sent up their withdraws and deposit purposely to benefit them. XXXX XXXX is set up for automatic withdraw. XXXX of their payments came through on XXXX and post on XXXX XXXX side on XXXX. Bank of America did not even begin to process theses till XXXX although they claimed to me today to do no work on the weekend. When I called Bank of America early XXXX they informed me my transfer from XXXX bank should post today the transfer amount was for {$13.00} this more than covered the difference. This morning I checked my account to see that Bank of America returned my {$70.00} payment to XXXX XXXX. They charged me a {$35.00} NSF fee for the returned payment and then posted my deposit on XXXX. Bank of America refused to return the fee even though their staff were the ones to inform me that the {$13.00} transfer would go through on Monday. If I had known then I could have easily made a deposit in the ATM if the transfer was not going to process. I am located in XXXX were Bank of America is headquartered I could have easily made a deposit at the XXXX of Bank of America locations in the city. Bank of America Deposit and charge policy is so selective their is absolutely no way to be prepared as a Bank member what they may or may not do. XXXX day something is posting and then the next its not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (LA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have no knowledge of this debt. My account with XXXX credit bureaus has a fraud alert unit. The credit bureaus must provide me with written authorization or delete asap. I request that each and every account or inquiries be removed and I request an updated credit report reflecting changes.

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 03/23/2016 about Debt collection (I do not know) with Penn Credit Corporation (WV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX Has called my home more than a dozen times

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We would like to pay off our mortgage. Sent what should have been final payment according to our statement which included {$600.00} over the amount due for that month which should have paid our balance principal and it was credited to the impounds rather than principal. Since we were so close to paying off the mortgage, in the 3 months prior we had made exactly the same payment in exactly the same method and they credited the principal correctly. We have both been calling requesting it to be fixed, telling us we would hear back within 7-10 days. Then we receive the next month 's statement, still not fixed, no reply back on the email, no calls that it 's been corrected and no record of our previous calls or requests for the situation to be fixed. 

In speaking with the operator this morning, I requested to speak to a manager. After being left on hold for an amazingly long period, she comes back on the line, assures me that she will take care of this and call me on Monday but that the manager is on another line and will not take my call. 

It 's like they do n't want us to pay off our house and we absolutely can not reach someone in the US to save our lives.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Making/receiving payments, sending money

Complaint: Fraudulent activity occurred in my Bank of America account on XXXX XXXX, 2015. I called the bank immediately after I received a text alert from them. I told them that the money in question was not mine. I told them that I only had about {$21.00} and had neither deposited XXXX dollars nor had I withdrawn {$300.00}. Everything seemed to have been taken care of but on XXXX XXXX BOA took my {$20.00} and caused me an overdraft of {$270.00} XXXX by reversing the XXXX temporary ) {$300.00} credit from my account ). I did not give my pin to whoever accessed my account. I am a struggling student and I need my $ XXXX that they have taken.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation