milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-10-2016 about Other financial service (Debt settlement) with Manhattan Beach Venture, LLC (PA).
Issue: Fraud or scam

Complaint: I am a 2014 graduate of a XXXX program with over XXXX worth of student loans. Naturally, I was looking for some debt relief or a solution to improve my financial situation. My mom sent me a facebook article about 'debt relief ' which led my to the " Student loan relief department '' ( I use this title very lightly ) based out of XXXX , California . I talked to a representative for a decent period of time via phone and before I knew it I was locked into a $ XXXX/month service ( they fill out your paperwork for the PAYE government loan forgiveness program ) before even thinking about what I signed/read ( my lender has made me aware of that I am able to do myself for free ). I attempted to cancel the service when I was made aware ( by fed loan servicing, my lender ) that I am able to complete the 10 minute process myself when I was made aware by " Student Loan relief Department '' that 'it was too late and the work was already done ', I could not turn back. I was also initially told that I owe {$800.00} up front or {$1200.00} over 3 years ( with interest included ) to only find out that I owe {$1200.00} PLUS interest accrued over the three year period. This company has misled me about many things on the initial phone call as well as over time through email and follow up calls. They denied my request to end our business relationship ( which was a scam in the first place ) and now are virtually unreachable via phone. My lender ( XXXX ) has directed me to the FTC and XXXX to report this and states that these are scam companies. Now I am stuck paying {$1200.00} PLUS interest further putting me into debt due to being misled and misinformed. Please help me! I am willing to do what ever is necessary to help other new grads avoid falling into this trap as well!

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
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: After carefully reviewing my credit report for inaccuracies I noticed several accounts reporting innacurately and contacted Experian via  Postal  Mail. I contacted them about information that was inaccurate, they 're reply was that the information was verified and would remain on my credit report. I wrote them again requesting the method they used to verify. Which under FRCA is my right to do. They replied for me to contact the credit agency listed. I contacted them AGAIN, for the THIRD time requesting the method they used to verify and instead of furnishing me with the information they updated a comment on my credit report.  XXXX  months later I still have no method of verification for the following items  XXXX  #  XXXX ,  XXXX   XXXX  #  XXXX ,  XXXX   XXXX   XXXX  #  XXXX ,  XXXX   XXXX  #  XXXX  Enhanced a Recovery #  XXXX . Experian needs to furnish me with the documents requested or delete these accounts from 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
Consumer complaint received 03-04-2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Application, originator, mortgage broker

Complaint: I had a foreclosure on a home XX/XX/XXXX and I walked away from the home. The home was sold XX/XX/XXXX. I purchased a new home XX/XX/XXXX and I have a judgement on my new home that I just purchased. The judgement is from US Bank National Association as Trustee Pooling # XXXX Dist # XXXX. Iwould like to know how can they come back years later and do this.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage company will not release escrow payment for repairs on my home. Check was made out to me and the bank, and the bank is refusing to release the funds for no good reason.

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 05-07-2015 about Debt collection (Credit card) with URS Holding, LLC (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: United Recovery Systems called my place of employment and was very nasty to the secretary. The man wanted to speak to me and the secretary explained that I was in class. I am a XXXX I could not leave XXXX, XXXX year old children to come to the main office and speak to him. Apparently, my class was not important. 
I am now in debt settlement and have a law firm handling my case. I have since XX/XX/2014. 
It is illegal to harass people at their place of business.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX).
Issue: Other transaction issues

Complaint: On XXXX/XXXX/2015, I sent money through Moneygram to my brother in XXXX XXXX XXXX for my mother and family for the XXXX holidays. As of today, Moneygram has not released the money, ruining my family 's XXXX holidays, etc., saying that our names are XXXX names and that my brother in XXXX, which is a very peaceful country, may have XXXX. They say the transaction is under review but they have not been able to provide me with details of the review and evidence that his name is tied to some organized extremism when I ask. I have asked for a refund several times to send the money directly to my sister or mother but they refused. Reps I have spoken with have given me numbers inconsistently for my brother to call from XXXX, but those numbers do n't work and Moneygram agencies in XXXX are unable to call for him, citing link issues. I have asked Moneygram to call my brother directly to obtain whatever information they need but has refused to do so thus far. I need my money with interest and compensation for all the calls to and from XXXX. Thank you for your assistance and cooperation. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2017 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am being denied a loan because of a " Dispute '' Status on my credit report. It was removed by the other XXXX Credit Reporting Agencies. 
XXXX has stated they are working to remove this. 
The remark is false. XXXX failed to close my account as requested and charged me fees for years without contacting me. They admitted fault and paid all the fees. It was resolved. XXXX promised they would remove this from my credit about ten years ago. My report shows it was in dispute and XXXX settled for less than the owed amount. I never did anything wrong. They are now " working on it '' again. 
This needs to be removed from my report. The fact that it only on XXXX report, shows there is a clear error.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: On XXXX I called Citi because I was having issues accessing my account the few days before hand. Knowing I had a payment coming up I wanted to make sure I could pay it to not incur any late fees. Upon calling them I was transferred to numerous reps saying that they could not find my account or that it was closed. I was finally able to reach someone who could tell me what was going on. They said that I had filed for bankruptcy and that my cards were closed and the balances sent to collections. I informed them that I did not file bankruptcy and that someone in my family with the same name did. This is verifiable by a search of my social which is different from theirs. Their " Recovery team '' said they would research the matter and get back to me. Its been 6 business and I called again, only to have them tell me it would take 3-5 business days longer. At the time of writing this I currently do n't have access to the two credit cards that I use primarily. More so, I am worried that I will have my credit score affected, debt collectors calling, late fees accrued, and ultimately an uneasiness if I have to make a big purchase.
I have two cards and both cards were closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Trouble during payment process

Complaint: I attempted to find out why Bank of America would not provide me with assignment information about my mortgage loan/promissory note when I asked them for it via a XXXX Qualified Written Request ( QWR ) ; however, they did not provide a sufficient answer about why they did not provide that information. Instead they chose to only mention their XXXX response to a second QWR ; in which they provided me with a false assignment XXXX years late. I believe that their failure to provide me with timely notice to the XXXX XXXX violated RESPA XXXX XXXX XXXX. I also believe that the fact that they had robo-signed a back-dated assignment years after the previous mortgager XXXX Countrywide XXXX, went out of business also violated the XXXX Judgment of the XXXX Mortgage XXXX. I further believe that they should be made accountable not only to me, but also to the States Attorneys, the XXXX XXXX XXXX XXXX XXXX CFPB XXXX, and to the Dept. of XXXX XXXX XXXX XXXX, by whom they are being monitored according to the XXXX Judgment. 
What they did was wrong. They should not have been allowed, nor be allowed, to conduct business this way ; and they definitely should not be allowed to get away with it. 
I would also like to know why their responses ( XXXX and XXXX XXXX, mention that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is the current owner of the Note ; however, that not only does n't come up on the XXXX XXXX site, but I have also been given contradictory information that the Note holder 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 non-monetary relief
Consumer complaint received 03/29/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen keeps paying my property taxes and then raise my mortgage payments, my city taxes were due by XX/XX/2017 then there is a late fee throughout the year added well Ocwen decided to pay them by the end of XX/XX/XXXX and raise my mortgage to XXXX now

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I have been having a difficult time paying the mortgage for some time now. I have asked for a modification twice and both times have been denied. I have tried calling a customer care associate several times and they are never of any help. They either do not return phone calls or are not able/willing to offer any feasible solution. My house is now going into foreclosure and I feel that someone within the company should have been more willing to help. It seems as if they are just out to make money from my struggles.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (CA).
Issue: Shopping for a loan or lease

Complaint: Background : I filed Chapter XXXX BK in XXXX, and XXXX XXXX in XXXX. The Chapter XXXX is satisfied and all payments paid ( at least 1 year paid off ). My XXXX credit score is XXXX as of XXXX/XXXX/XXXX. 

I noticed that SYNCB/JC Penny continues to report status " was in chapter XXXX Bankruptcy '' -last reported XXXX. Is that appropriate reporting? All the other creditor reported once in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX which has recently " verified '', EXPERIAN & XXXX are all reporting a collection account, XXXX XXXX XXXX XXXX, AKA XXXX XXXX XXXX XXXX, ACCT. # XXXX IN THE ESCALATED AMOUNT OF XXXX DOLLARS FROM THE ORIGINAL AMOUNT OF XXXX DOLLARS ... .THE ORIGINAL CREDITOR IS XXXX XXXX XXXX XXXX AKA XXXX  XXXXTHE ORIGINAL CREDITOR HAS PERPETRATED " FRAUD '' in my case ... ..I ordered water service at a XXXX sales signup inside a XXXX store.What I signed up for was a XXXX dollars per month service.What I received was substantially higher on the 1st bill, which were surcharges undisclosed to me in the sales presentation ... ..I spoke to XXXX on the phone ... we could not come to agreement ... they would not relent on the undisclosed fees/surcharges so ... .. I told them to come pick up their equipment.They made 3 different appointments to come pick-up their equipment and were no-shows all 3 times.The machine/dispenser sits in my house to this day ... they obviously do n't want it. What XXXX /XXXX XXXX wants to do is perpetrate fraud and 1 ) overcharge on their service,2 )  '' sell me '' their equipment I do n't want, and 3 ) ring up a huge unrealistic tab, give it to an relentless collector who could n't give a DV notice or Debt Validation .... because it would invoice or document their crime as evidence in court .... I have found out from the BETTER BUSINESS BUREAU that this scheme is being perpetrated all over the country. So if the credit bureaus do n't delete.. the CFPB will receive a complaint against the collector/furnisher AND THE O.C. the organizer of the fraudulent financial scheme.

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 06-06-2017 about Debt collection (Medical debt) with Io, Inc. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I owe a balance to  XXXX   XXXX , it took months to send payment because I usually wait until my insurance kicks in before paying. Well, I waited too long and the outstanding balance went to Receivables Management Systems  (   XXXX , VA company ), where they billed me {$40.00} fee. I paid the amount due to  XXXX   XXXX  ; however I do n't see how the {$40.00} is rightful ( or even lawful ) to charge. The {$40.00} collection fee was billed to me, so that means I 'm paying  XXXX  to collect from me? That does n't make sense. The {$40.00} should be charged to  XXXX   XXXX , since they hired  XXXX . Also,  XXXX  is billing interest. I did n't sign consent to be billed the fee or to collect interest. Who give  XXXX  the right to do ( and collect  )  anything they want? I did not sign this agreement with  XXXX .  <P/> The attached document is an old copy. The {$110.00} has been paid.

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 07/29/2015 about Credit reporting () with EQUIFAX, INC. (AR).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have settled the tax lien with the state. I would like this negative report removed. My bankruptcy has been long discharged, I would like this negative report removed. Also I was laid off in 2012, in which I got behind on several of my accounts. Within a few months after that I gained employment and paid my debt, can that be removed from my report? Seeing I 've paid current accounts since then with none late. Thank you and have a great day.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I would like a written authorized signature stating I authorized these inquiries if they can not provide the documentation I would like it removed immediately

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 11/25/2015 about Credit reporting () with FIRST ADVANTAGE CORPORATION (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: In the previous response to the complaint, the company, First Advantage Corporation said that it revised the report to correct the error. However, I received the report today, and it has the same incorrect information. Under driving history, under accidents it says there was a " conviction date '' of XXXX. However, the driving abstract from the state simply says the accident was posted on that date. There never was a " conviction. '' Attached is the driver record again.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Debt collection (I do not know) with Capio Partners, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have an account on my credit who I do n't know which company this debt collection his. I want this to be removed from my credit or get more information about the name of the company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-09-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (MO).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/XXXX I applied for & was approved for a loan modification with XXXX XXXX XXXX. The terms of the modification said the loan was approved for 3 years. In XX/XX/XXXX the loan was sold to NationStar Mortgage Co. At the time NationStar acquired the account they immediately increased the mortgage payment citing that there was no record of any loan modification. I intern called XXXX & was told that they were unable to search any of their old records but that NationStar was responsible for abiding by the terms of the agreement. Since I retained copies of the original modification I then faxed the information to NationStar in hopes this would resolve matter. A short time later I received a phone call from NationStar stating that they would NOT adjust the payment & that it would remain at an unfair {$570.00} per month because their records did not reflect said modification agreement. The original modification was supposed to be in effect for 3 years in the amount of {$450.00}. After doing my own research it was determined that XXXX had never filed the proper paper work with the XXXX County Deeds Department. To my understanding these are both predatory lenders who take advantage of the elderly with poor business practices.There has been several class action lawsuits filed against these corporations. I believe further investigation should be done. As older adults on fixed income we should not be taken advantage of by people who prey on the elderly. If there is anything that you can do that can assist me in this matter I would greatly appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Debt collection (Credit card debt) with Professional Credit Analysts of MN, Inc. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I recently applied for a mortgage and there was a judgement recently added to my credit report on XXXX XXXX,2017 and I did not know I even owed a debt I believe this is a fraudulent account and I was not able to ask the creditor for the validity of the debt because they sent the notice to some unknown 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 explanation
Consumer complaint received 04-06-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Sent in a request to correct credit file after sending validation letter to collection agency certified as required by law and receiving no response back. Credit bureau told me they verified info as my account. I requested their method of verification and received no r=further response. Response also took longer than 30 days. They are still reporting account as valid even though account was not validated as mine.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2015 about Mortgage (Other mortgage) with PENNYMAC LOAN SERVICES, LLC. (MA).
Issue: Loan servicing, payments, escrow account

Complaint: Purchased a house in XXXX/XXXX/2014 the initial mortgage was with XXXX then sold to XXXX and then XXXX. We received a letter from XXXX that they just purchased our mortgage and that was it so we paid them every month and never a problem. Then we recd letter stating new mortgage co Penny mac never received our payment so called found out it was sold again and payments had n't got forwarded. So talked to customer service and they said to sent new payments and they would correct it and no problem they never notified me of no payment late payment no call. then I find out its on my credit report and now I cant refinance.. We were never notified till after the fact that they never got the payments we made them and have a good payment history and now because we were never notified they have damaged my credit -no call no letter to say never got payments or payments were not forwarded from XXXX ... So I corrected it on phone and made payment they said would never affect my credit because it had n't been 30 days.. But they did and I 've tried to fix it with them but they are difficult to work with. They insisted they did n't put it on our credit but its there ... We had nothing to do with this they should of notified us that mortgage was sold again..

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Debt collection (Medical) with Data-Central, LLC (UT).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Data Central Collection Agency has refused to properly notate a debt which has been discharged in bankruptcy, even after being provided with proof of the bankruptcy discharge more than a year ago by XXXX. I 'm not sure where to report this, but they held several different medical debts in my name, and XXXX continues to haunt me. It should n't be like pulling teeth to get ALL of these accounts properly notated, and removed.

Company response to consumer: Closed with explanation