milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/19/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have my mortgage loan through OCWEN and for the last XXXX XXXX months I have had multiple phone conversations with multiple people and have not received adequate answers or been able to talk to anyone that can answer my questions. Just have been passed along to others and then back again. OCWEN has had multiple problems as of late and have lost their licenses in multiple states and the CEO stepped down last month amid all the problems.. I currently have a loan I have been paying on for 14 years and have been looking for answers on what options I have to buy out the mortgage for the current appraised value or more. I have modified and refinanced my mortgage and am at a really good interest rate and a short sale is not an option and ca n't get OCWEN to give me a straight up answer on the offer I made them a few weeks ago as a cash offer to buy it out and can not get any answers and keep saying I 'm not qualified but yet ca n't get a outline of what qualifies me to receive help in this matter. I have talked with a couple other people that have OCWEN and they have had similar problems and they have not gotten any answers till they threatened to contact the press then started getting assistance. Which is where I am currently at with the lack of customer service that has been given to my situation. And I am offering cold hard cash and still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Armada Corp. (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I contacted the agency Armada Corporation, to settle the debt, they have listed as {$1300.00}, that they reported today. They said I would need {$3500.00}. To pay it off. Those are very different amounts. The debt is also almost at it 's 7 year statue of limitations so they tried to make me make a smaller payment so they can continue the collection proceedings. I am willing to settle the debt for the actual amount of {$1300.00}. But they are n't. I need help. I appreciate your time and consideration on this!

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 08/21/2017 about Payday loan, title loan, or personal loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (NJ).
Issue: Getting the loan

Complaint: applied for a loan through XXXX XXXX to one main on XXXX XXXX 2017, received an approval for 2 types of loans. XXXX car and up to XXXX personal. Document says just need to finish up bring your check book to One Main in XXXX, NJ. I get a call on Monday asking for different information saying that was a pre-approval. The letter is not it clearly states approved. they take additional information say it needs to go to underwriting and they will get back to me by the end of the business day. 10 minutes before they close I call and they said oh it just came out sorry we cant due to a bankruptcy that was discharged 7 years ago and open judgements, Mind you I pulled my credit today and have 1 judgement that is paid in full that I am waiting for it to come off. The information they gave me today is the same nonsense they gave me back in XXXX when I applied. I have attached the first letter from XXXX showing I had to provide more information and then was denied. I have also provided the letter from the XXXX stating approved and nothing saying otherwise.it states bring your things and we will fund same day. this is bogus false advertising and i 'm being discriminated against because someone did n't do their job right today and looked at the old denial possibly. big difference in letters and they are not looking at my credit from the 3 major bureaus who only how the one judgement

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FMS Inc. (DC).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: XXXX old, expired checks from a jobs training program were cashed by a a XXXX branch. XXXX checks had been voided and they clearly stated in bold, black lettering that they were " VOID AFTER 90 DAYS. '' XXXX hired FMS, Inc. to collect the debt. Their agent called the XXXX office shouting, demanding money, claiming I was violating the law by not giving it to her. She refused to acknowledge that XXXX was in error by trying to collect on checks they should not have cashed. She refused to provide any proof that they had even cashed checks. She simply ordered me to pay her and then threatened me when I asked for proof of her assertions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Checking or savings account (Other banking product or service) with M&T BANK CORPORATION (PA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Bank : M & T Bank This year I have been a victim of fraud charges twice. The first time on XX/XX/XXXX of this year and then on XX/XX/XXXX of this year. In a amount totaling {$5000.00}. Both times it happened in XXXX XXXX. I reported the issue to the police departments and froze my checking account. In the weeks following I worked with XXXX police departments and we got pictures of the suspects. I thought this would resolve my issue but M & T refuses to reimburse me my money. The reason they will not reimburse me is in both cases my pin number was used. I have provided a reason how my pin was retrieved. In both cases my debit card was stolen in the same place which I find odd. I have been a customer of M & T for over 6 years and this is how they treat me.

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 10-10-2016 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (PA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: TRANSWORLD SYSTEMS INC is reporting a collection account on my credit file that i have no knowledge of. I was never sent a DV from the company and I do not have knowledge of this debt. I work very hard at keeping good credit and this collection has significant effects on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Debt collection (Other debt) with Diversified Adjustment Service, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The original account was with XXXX XXXX XXXX for internet services. I closed the account because I moved in XX/XX/XXXX. I paid all bills ( through auto pay directly out of my account ) and returned the router to the XXXX XXXX location in XXXX. 

I have never received a bill, notification or any other communication from XXXX XXXX. Furthermore, even if there was a debt the account was in autopay and all outstanding balances should have been paid through that. 

I now have a negative report on my XXXX Credit report for {$56.00} owed to XXXX XXXX XXXX as a collection/charge off on behalf of XXXX XXXX XXXX. This began reporting in XX/XX/XXXX to XXXX. I have not received ANY communications from XXXX XXXX XXXX or XXXX XXXX XXXX about any debt or that anything will be sent to the credit bureaus. This is absolutely incorrect and I demand that either XXXX XXXX XXXX or XXXX XXXX XXXX correct this negative information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Ideal Collection Services, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This debt is from my apartment community and is invalid. I had discussed this " debt " with management in which they informed me my damage deposit would be used to re paint XXXX walls. My community is charging me {$380.00} to paint XXXX walls when I was told that it was ok to paint, and that they would cover the cost from my XXXX of dollars damage deposit that I left. This is a falsified debt that is forged in an attempt to make more money. This apartment community is unfair. I have the original invoice for the paint job they did to repait the walls and it was no where near {$380.00} it was significantly less.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have two accounts 'XXXX XXXX XXXX XXXX ' and XXXX XXXX XXXX XXXX that are listed on Experian that should not be. According to my records with XXXX AND XXXX, those two accounts have aged and have been deleted of my account. I 've spoken with Experian multiple times and they are unable to give me an exact date of when these two accounts should be deleted. With my previous negative accounts, the date of deletion were listed next to the accounts but they are not listed next to these accounts. I 've asked that if in fact these accounts have not aged, that they give me an exact date listed next to the accounts and til this day, it is not. Every time I call and ask when they should be deleted, I 'm getting different days and that is not fair to me. I want Experian to delete these accounts as they are aged and they can not accurately verify the date of deletion. Experian needs to follow suit with XXXX and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX/XXXX XXXX sold my mortgage to XXXX XXXX on XX/XX/XXXX. As I was being notified about the sale in XX/XX/XXXX, I was confused about the process and was unsure who to pay. I take my credit very seriously and have not missed a payment the entire time I've had my loan with XXXX/XXXX XXXX, but was confused as to whom to pay for what month. I immediately paid when I discovered the issue. XXXX XXXX was paid for both XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX XXXX XXXX called me in XXXX 2016 regarding a supposed debt they purchased from Synchrony Back/ Care Credit. I requested that XXXX XXXX Validate the debt in this initial call. Agent stated that they do not have to validate anything and that I had an obligation to pay. I sited the federal and state statue to agent at which point he stated that they do not take validation requests and that I must submit in writing. Agent refused to give ma an address where I could submit so I located it on line and on XXXX XXXX, 2016 I sent a written request to MCM. 

On XXXX XXXX 2016 I was served a summons to either respond or appear in a complaint regarding this attempted collection. In XXXX I summons can not be served prior to an action being filed with the clerk. I called the clerk of the XXXX XXXX Court and was told that nom action had been started. 

Summons have XXXX date on it and does not have a court seal or case number. 

Called XXXX XXXX Court on XXXX : advised that there is not case filed with the court XXXX XXXX XXXX XXXX XXXX XXXX XXXX That if a case was filed, before a summons would have been stamped with a case number and a court seal. 

Called the number for the Attorney on the account and was rounter to a dump all number for XXXX. 

Was given a different number XXXX. Spoke to XXXX XXXX Advised about the information that I previously filed and that there was never a response. Advised that I would fax and mail again Advised that the tactics of serving someone with a summons on a case that has not been filed is an intimidation tactic and violates XXXX and FDCPA XXXX Gave me Fax XXXX XXXX advised that I should talk with a paralegal or attorney for XXXX and transferred my in to a bling que. 

Spoke to XXXX XXXX Ex : XXXX As I was discussing this action with him he attempted to say that XXXX is a serve first state. Advised that I spoke to the court clerk in XXXX XXXX and was assured that service is only legal after an action is filed. 

Advised on history and Midlands Failure to provide validation. Advised that filing an action in this case is illegal and that serving a summons is an act of intimidation and violates Federal and State Law. 

I advised that I would be happy to email the previously filed validation request and was either place on hold, muted or was disconnected. 

Called back : Spoke to a rep names XXXX and asked him to transfer me to XXXX XXXX 

XXXX provided me with his email address and stated that he was putting together a validation letter. 

I received the so-called validation but there is nothing in there that states my rights as is required.

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 03/28/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently discovered the alleged debts being reported on my credit report from this company. As I did n't recognize the debt I mailed this company a request for validation. The company has not provided me with validation and continues to report the accounts on my credit report still.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I was denied credit because the telephone number listed in my " fraud alert '' is old and incorrect. On XXXX XXXX, 2016 I disputed the incorrect phone number online and submitted the required proof of address via USPS first class mail and the phone number still did not get changed. My correct home phone number and cell phone number are included in the attachments as are the required proof of address documents. I tried uploading this information 3 times on XXXX/XXXX/2016 to Experian 's online dispute system and it would not accept it. I received a new report " correction summary '' dated XXXX/XXXX/16 from Experian last evening ( XXXX/XXXX/16 ) via USPS and it still has an invalid phone number in my " fraud alert ''. 

On XXXX/XXXX/16 XXXX, with whom I applied for credit, requested that I telephone Experian and get the invalid telephone number corrected. I could not get through to a human being at Experian and their automated system did n't seem to offer the proper options after numerous attempts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/26/2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (KS).
Issue: Loan servicing, payments, escrow account

Complaint: I have repeatedly requested the FHA MIP be removed from my mortgage since XXXX/XXXX/XXXX when my home loan went below the required 78 % LTV. Everytime I 've requested the removal, I received a denial letter. I requested it again in XXXX XXXX, again receiving a Denial letter. Then, a few weeks later, I received an apology letter stating that the MIP would be removed. I requested that the repay the MIP amount that I had paid since the first request in XXXX/XXXX/XXXX, that was denied. So, they have now removed the MIP, but I was forced to pay it for a year beyond what was necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Company called Dynamic Recovery Solutions trying to collect a debt behalf of XXXX XXXX XXXX for the amount of {$6900.00} which is n't mine. I believe this is a fraud. 
Current Creditor : XXXX XXXX XXXX Current account No : XXXX Balance : {$6900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-08-2015 about Consumer Loan (Installment loan) with Reliant Capital Solutions, LLC (IL).
Issue: Managing the loan or lease

Complaint: I would like to file a Severe Complain to Reliant Capital Solutions LLC XXXX OH XXXX for Fraud misrepresentation after notification in writing for improfessional collection activity practice regarding a case XXXX for XXXX XXXX XXXX XXXX XXXX University for the amount of {$19000.00} the Student never attend to Class and CampusWe present the dispute in writing with the support evidence documentation, the company constantly acting with treats phone call with not respectful and adequate language and ethics, they violated all the ruling under collection of the consumer act and license

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Debt collection (Credit card) with Gurstel Law Firm, P.C. (AZ).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I was a customer with creditor for many years. I lost my job and was not able to make my payments. I called and tried to work out an arrangement. Was told there was nothing they could do for me. Some time passes and I get a process server telling me I am being sued. I called the collection agency each time I call I get a new person and a new set of things I need to do to make this go away. Was trying to resolve a debt issue before a court date. Was told to submit a written proposal and with in 72 hours I would have an answer. I emailed and faxed my proposal. Went to initial court hearing and spoke to their lawyer and was told he had to run my proposal by his client he would get back to me. I called back two weeks later and was told my offer was rejected and I would be forced to pay entire balance in three monthly payments. I said I could not afford that. I was told by a female attorney with the company that maybe I should have a better XXXX job. Then I was told she would start the garnishment paperwork. We have not even gone to court yet the trial date is a few weeks away and I am now getting threatened.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (WI).
Issue: Loan servicing, payments, escrow account

Complaint: I have had problem with my mortgage for quite a while. I applied for a modest needs help. I called seturus and asked them to fax a monthly mortgage statement to this people. I gave them the fax number. I assumed they did this. However they did not. I could have had help for one payment which really could have helped me. I had okayed a payment plan because I figured I was going to get the help. Now that they failed to follow through I have lost my chance. Now I will have to wait months again. Now I have written them to cancel my payment plan and check withdrawals. I know they will not follow my instructions so now I have to cancel my checking account. I just do not understand why they our so XXXX and can not follow directions. When is the government going to step on these injustices. Their correspondence address is located in XXXX XXXX Account XXXX is the number of account. I am totally ticked off.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (VT).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Bank of America ( my XXXX card ) added foreign transaction fees to a purchase I made on- line, on XXXX/XXXX/15 transaction ( reference ) number XXXX. Based on my conversation with the company, Just Sweatshirts they disclosed that they shipped the items from XXXX XXXX XXXX, XXXX, New York. I was billed in XXXX dollars ( {$180.00} ). My bill and invoice confirms that the company shipped my product from New York State. 
The card company said that the company billed them from XXXX, XXXX. The company denied that. I have the documents to support my allegation of Fraud by Bank of America. It is not about the minor {$5.00}, It is about how many millions is the credit card company making illegally by falsely adding on fake foreign fees. Even if the company sent paperwork from XXXX, the products came from the XXXX, not XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2016 about Debt collection (I do not know) with AFNI INC. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do n't owe any money on the account that a company called AFNI is saying I owe. My XXXX XXXX XXXX account has been closed for a couple years, I paid all my bills on time. I can still login into XXXX XXXX XXXX and it shows noting that I owe! If I call them they say the same thing! 

There is no bill I owe and I 've never got a bill or communication from XXXX XXXX XXXX about any debt, ever! So I have no idea where this is coming from other that this is highly suspect and a scam. It 's bad enough this is wasting my time, but if it 's impacting my credit they need to fix that immediately..

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My credit monitoring services alerted me to a potentially fraudulent account. XXXX is reporting an account through Experian which I did not open. I have the inquiry is showing that it came thru XXXX which is also fraudulent as I have not applied nor authorized any credit services or accounts this year or the prior year. Please have this fraudulent activity removed and investigated immediately. Thank you for your service.

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