milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/24/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Struggling to pay mortgage

Complaint: When trying to obtain a loan modification after filing bankruptcy XX/2016, Ocwen has failed to comply with the bankruptcy courts to confirm the amount owed on the loan to be able to confirm my repayment plan to the Trustee as well as my numerous attempts to obtain the proper paperwork to have them assist me in a successful loan modification. I have also requested regular monthly statements to be mailed to me and these also have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Midwest Recovery Systems (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XXXX XXXX XXXX I received an alert on my credit report that a company by the name of XXXX aka : Midwest Recovery stating that they had placed a loan amount of approximately {$2500.00}??!!! first of all I have never heard of either company or have taken any personal loans out for such amount. I contacted XXXX Credit Bureau since they are the ones that alerted me and it was reported to them and they agreed that there was never an inquiry made by me requesting a loan from either one of the above stated companies because when someone requests a loan on line or other there is always an inquiry. I have placed a fraud alert on my report due to this ironeous error on my credit report and have placed an investigation. This so called XXXX company is out of the country and I know alot of these companies commit fraud towards peoples credit reports thinking that someone would be so XXXX and send anyone any money that you have never requested money from. I want this company investigated and this removed off my credit report immediately! This is definetly a fraudulent matter towards me and my personal credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Sent by certified mail on XXXX a dispute request to Experian regarding some information that is being erroneously reported on my Bureau. I have requested several times that i be supplied with specific Method of Verification information as it relates to public records in my file. On XXXX i received an email stating that my disputes were pending outcome. On XXXX, i received an email from Experian saying there review was complete and that the information on the report was verified with the court and updated. I supplied Experian with a letter from the Federal Bankruptcy Court for this district stating " The Clerk 's Office does not provide information to credit reporting agencies. '' With their investigation, they did not supply me with specific information as i requested. Name of person spoken with, telephone number of said person, address, date of conversation. Nothing at all. I called Experian on XXXX to inquire about the investigation and spoke to a gentleman name XXXX from XXXX XXXX. He informed me that they could not send me the specific information regarding the method of verification and that a third party vendor that they use to gather the information does it in an automated fashion. That does not conform to the FCRA guidelines. He further stated i could not get any information as it pertains to that. I was told that i would get a call back from a supervisor so that he could explain to me why i was not going to get the information that i was requesting. Report number is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: My name is XXXX XXXX XXXX. I send in my information about my mortgage and how XXXX XXXX and Ocwen is doing Fraud on my mortgage. I never heard back for consumer Financial If you find any thing that can help me save my home. my number is XXXX have about month before I 'm on the street

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Navient Solutions claims to have paid XXXX for student loans in XX/XX/XXXX-XX/XX/XXXX. My records indicate that XXXX Consolidated loans from XXXX and XXXX which coincides with my records. XXXX has buying the loans from Navient Solutions. I did not receive a XXXX from this company for the tax years they claim

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: They said they could n't change anything.

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 08/27/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NV).
Issue: Deposits and withdrawals

Complaint: Good dayToday i found out my bank account is frozen and ready to be closed. 
And i am victim here with have worked for a company whoi now realize send me a Bad or Fake check. 
for an ammount of XXXX dollars and XXXX ct. 
That my account will be closed because of this, i really do n't like.. I all ready needed to find out, that iworked hard and in the end not being paid for it. 
Because the Check is not good. So on that i am a victim of peoplewho hired me for doing a XXXX job. Got cheap labour. 
But the problem now is that i am also because of that about to loose my chase bank accountand that i do n't think is fair. 
So is there any thing, that can be done, to not have my bank account being closed? 
Hope that this problem can be resolved and that i can keep my chase account activeRegards

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX   XXXX  is reporting a collection account on my credit report with  XXXX . this account was originally a  XXXX  account, which had then been transferred to  XXXX   XXXX ,  XXXX . I paid the account with  XXXX   XXXX  on  XX/XX/XXXX  This account should have never been sent to  XXXX   XXXX , and I definitely should not have had to pay it again, nor should it be on my credit report. I have disputed it directly with   XXXX   twice now, and  XXXX   XXXX  keeps coming back saying it is valid. I spoke to a representative from  XXXX   XXXX  who agreed to remove the item from my credit report back on   XXXX   XXXX   then spoke to another representative from  XXXX   XXXX  on   XXXX   who told me they could read the previous rep 's notes, but would have to review the records because they could n't understand why I would have been told it would be removed and that they had no proof it was paid, although  XXXX   XXXX  informed me they had sent it previously to the original creditor,  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 non-monetary relief
Consumer complaint received 03/23/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: FedLoan Servicing continues to send me bills for loans I did not make even though I have proof that I did not. The company states they made loans to me although I received no monies from them. They also state they sent monies to University XXXX who returned all monies to them. I have receipts from the University XXXX proving my case.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian continues to report fraudulent & unverifiable accounts on my credit report. There are XXXX XXXX XXXX accounts which I 've disputed with them numerous times, requested the method of verification & additionally sent a XXXX letter to the data furnisher requesting a signed contract/agreement. Neither the data furinsher nor Experian has provided me with a signed contract of my obligation but they continue to claim this has been verified. When review my file here are some facts which question the integrity of their investigation. The address linked to these accounts is not mine. I 've requested it be removed 3 times but they continue to verify it. Secondly, when I ask them to verify it they always pass the buck & say it 's the data furnishers responsibility to update their records. This is public information which is damaging my name & reputation & I 'm unable to get any financing due to the nature of this issue. This matter is also causing unwanted emotional & financial stress & I 'd like these unverifiable accounts removed immediately. If Experian continues to claim they 've verified these accounts again without a deeper investigation I will be filing a lawsuit for violations of the FCRA. Please resolve this matter.

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 02/15/2018 about Debt collection (I do not know) with Diversified Consultants, Inc. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have been contacted numerous times by a company I have never done business with. I have sent them certified letters asking to VALIDATE the debt they say they have on file for me. They have not sent VALIDATION to me as to why they are contacting me regarding a debt I do not owe to them. I have NEVER signed or agreed to any contracts with this company and I don't know why they have any rights to continue to say I do or to contact me at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/22/2015 about Debt collection (Credit card) with SQUARETWO FINANCIAL CORPORATION (IN).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Cach LLC ; Contacted me at my employer XXXX. I ended up having to speak to a representative once because I answered the phone while working ( that was part of my job title ). The other occasion was calling my employer to asking for me and representitive leaving a number to call back. They have also, found a family members number and called them asking for information about me, luckily they denied knowing me. I have now been sued by them, even though ( through much headache and research ) I discovered the court papers were delivered to a wrong address and sued in a county that I never resided in, but since the papers were deemed " delivered '' ( from what I was told ) I missed any chance proving my case and now facing wage garnishment unless I file bankruptcy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NC).
Issue: Making/receiving payments, sending money

Complaint: On XXXX/XXXX/2016 I ordered an Official Check from USAA ( a company with whom I have had a longstanding relationship ) with expedited shipping ( USAA does not specify method ). Five days later the check had still not arrived. No notification was given that the check had been issued or shipped or by what method, nor was any tracking information given. The bank representative on the phone used tracking information not available to me to inform me that the check had supposedly been delivered by XXXX on XXXX/XXXX/16 ( the funds were not debited from my account until XXXX/XXXX/16 ). This Official Check - essentially a cash instrument - was sent by unsecured means with no signature required. No XXXX package ever arrived at the designated address, or if it did it was left in an unsecured location and stolen. I requested that the bank stop payment on this check and immediately issue another check in the exact same amount to the exact same payee but the bank representative refused, stating that their policy prohibited doing so for 90 days - meaning of course that they preferred to leave open the possibility that the check would be fraudulently presented for payment. I escalated the matter to the CEO 's office, which responded promptly to my email ( XXXX was the rep 's name - no last name given ), but then took several more days to " investigate '' before informing me that no exception to their policy could be made despite the fact that it was to both the bank 's and my benefit to stop payment. This is both inexplicable and unacceptable. Our interests in preventing fraud would seem to be aligned in this matter but the bank remains obstinate. Please intervene and assist. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Debt collection (Other debt) with Trident Asset Management, L.L.C. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This account was included in my affidavit mailed to the Credit Reporting Agency as well as the debt collector. Trident has refused to respond to my request and continues to report identity theft information to XXXX. XXXX reported that an investigation has been done as well and continues to report this information as fact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Debt collection (I do not know) with Resurgent Capital Services L.P. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with First National Collection Bureau, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Today XXXX/XXXX/2015, I was instructed by XXXX to conference them in with First National Collection Bureau XXXX Inc. to confirm that I paid my agreed settled amount of {$230.00} in full. The First National Collection representative, XXXX XXXX, confirmed that the debt was paid in full, but went on to say, to myself and the XXXX representative, that I need to pay more than the settled amount. Is this legal for First National Collection to request more money, especially since this disputed debt exist due to XXXX attempts to bill for an additional service that I never asked for?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (MD).
Issue: Settlement process and costs

Complaint: I had a HELOC with GMAC that was paid in full in XXXX XXXX. It was bought to my attention dealing with a new lender that GMAC never submitted the documents to XXXX XXXX XXXX Maryland to release the lien. I contacted my old title company and was told to contact GMAC and found out they filed for bankruptcy and a company called Ocwen has assumed accountability. I contacted Ocwens Research department at XXXX XXXX XXXX XXXX and was provided with a fax number XXXX XXXX XXXX XXXX. I faxed over XXXX pages of supporting documentation ( e.g., issue letter to Ocwen, correspondence with XXXX, XXXX credit report information and deed of trust ) to Ocwen 's Research department on Tuesday XXXX XXXX, XXXX. I have followed up with Ocwen at least five times since faxing over the documents only to be told that they never received the fax ( and I have the fax confirmation ). Every time I call, I have to tell my story again because my loan is not in their system because it is old ( paid-in-full XXXX XXXX ) and I get a new agent each time stating to call back because the information has not been entered into their system from the " fax department '' and was also advised when they get the information that it can take up to 30 days to resolve. When I called again today, a new agent informed me that I needed to correspond with Ocwen 's Lien Release Department and provided me with their fax number, email and mailing address. I asked the agent for a telephone number so that I could follow up to make sure that my complaint was received and discuss with someone the urgency of this matter. The agent today informed me Ocwen 's Lien Release Department does not have direct telephone number for consumers to contact them. I submitted an email today with supporting documentation to the email address provided at XXXXXXXXXXXX but have no way to know they received the information. I am very frustrated and seeking immediate resolution to this issue. This is not my fault, as this loan is paid-in-full and GMAC did not follow through on their obligation to release the lien. This is causing problems for me dealing with my new lender that will not close my loan until they have written confirmation from the lender Ocwen on behalf of bankrupt GMAC the lien is being released. The information that I received today for Ocwen 's Lien Release Department is as follows : Address : XXXX XXXX XXXX XXXX Iowa, XXXX Email : XXXXXXXXXXXX XXXX : ( XXXX ) XXXX On a separate note, I selected " signing the agreement '' as the mortgage process my issue is related to at there was not an option for closing lien release

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have contacted the creditor called XXXX directly and they submitted completely erroneous information and TransUnion is non responsive. The original creditor has advised me they are at fault but have no direct method of letting TransUnion know of the error. That I have to submit this information to dispute the information is not ethical there should be more transparent avenues for creditors to let TransUnion know that it must be corrected. That I must dispute this and then wait for an incredibly long time for it to be resolved creates liability issues since my other creditors could react negatively to the incorrect information. I have attached the account information in the attached document.

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 01/25/2018 about Mortgage (Conventional home mortgage) with U.S. BANCORP (MN).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I already have a mortgage with USBank. I was contacted to refinance. I was told there would be no hard pull on my credit but there was one. I was also told I was approved for the loan. I later received a letter that I was not approved. I 've asked to have my hard pull removed but it has not. In the meantime, I have no idea where the refinance stands. I 'm somewhat educated in this world yet am still perplexed. I 'd rather resolve this amicably but am at my wits end ... Thank you. 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 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
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: EQUIFAX Failed to comply with FCRA. Did not verify and removed withdrawn items. 
I sent a dispute letter to EQUIFAX last XX/XX/XXXXto dispute INCORRECTLY reported items on my credit report including public records. Not satisfied with the investigation results as the information is still incorrectly reported, I wrote to them again last XX/XX/XXXX disputing the same items. Nothing happened. I Again disputed this to them and send another letter dated XXXX XXXX, 2017, disputing all the public records and some other incorrectly reported items and still nothing has been done. I went to the court and verified myself that the liens has been withdrawn earlier this month. I called EQUIFAX today XXXX XXXX, 2017 to inquire why the liens are still reporting. Spoke to a VERY RUDE Agent XXXX. XXXX confirmed that Equifax hired XXXX XXXX to get public information. Asked XXXX when Equifax last contacted XXXX XXXX to verify the disputed information accuracy and correctness. XXXX informed me that Equifax last contacted XXXX XXXX for verification last XXXX ( WHOLE MONTH OF XXXX TO BE EXACT ). Asked XXXX, why no contact has been made to XXXX XXXX after XXXX even though I sent them request for reinvestigation last XXXX XXXX and XX/XX/XXXX which is part of my federal rights per FCRA. XXXX can not give me a straight answer. XXXX and XXXX REMOVED all those liens from my credit report, which is another proof of EQUIFAX 'S VIOLATION of FCRA. The fact is, straight from Equifax 's agent XXXX 's mouth, he admits that Equifax did not contact the provider of these pieces of information ( XXXX XXXX ) despite my request for re-investigation last XXXX XXXX and XXXX XXXX. They are responding to my letters saying that the items had been verified even though they did not contact the furnishers. It has been 6 or 7 months now since I first contacted Equifax and  definitely this is a violation. Confirming with Equifax themselves that they did not contact the furnishers despite my requests/letters sent to them and me confirming with XXXX XXXX that they were not contacted by Equifax, is another violation of FCRA. If these is how Equifax works, what is the guarantee that they contacted the other furnishers listed in my dispute? 
I filed a complaint to BBB with regards to this issue and Equifax does n't seem to pay much attention and showed their negligence by not responding to BBB. BBB Case # XXXX. Please see attached BBB complaint.

Company response to consumer: Closed with explanation