milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-02-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan modification,collection,foreclosure

Complaint: My investment property was foreclosed on almost 6 years ago - XXXX XXXX, 2010 - and the foreclosure deed with land court has yet to be filed. This foreclosure was a direct result of the whole mortgage debacle and land court has rejected the deed I 've been told. This is continuing to adversely affect my credit since it takes 7 years from the filing of the foreclosure deed for someone 's credit to clear - and after almost 6 years nothing has been done due to the lenders incompetence.

Company response to consumer: Closed
Consumer complaint received 04/28/2016 about Debt collection (Credit card) with Conn's, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I leased a living room suit from Conns, I was victim of tornado disaster in XXXX 2016 which all the furniture was destroyed. Conns have called my phone at lease 5 times a day from more than XXXX different phone numbers. I have sent cease communication notice since they have placed it on my credit report as charge off. Conns is very harassing, they call my phone over and over daily from many different numbers. They have claimed that they will come get furniture but I have advised them it was destroyed in fire, they will not quit calling harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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 've been trying to fix multiple errors on my reports, to no avail.my proof of the error carries less weight than the creditors word. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, is the collection agency that is insisting they are correct, when they 're not. My business XXXX XXXX is a corporation # XXXX corporation number. We wrote a check to by advertisor, just before I had a XXXX XXXX and was forced to close my business. I should have been protected under my corporation. They will not show me a copy of the check, so I can prove my point.the 3 credit reporting agencies, do n't want to here the truth, or fix it.

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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I was over charged for paying late when I did not pay kate. I also asked to lower my monthly bill as if was too high and I can not afford to live and pay my bills such as rent gas car. I was told That I could not Lower the monthly payment and could only change to interest only which means I will means I will never have my student loan paid off and can. Of afford to live

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Eastern Revenue, Inc (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I just recently found this item on my credit and I called the company only to get a rude and unprofessional agent, who threw then to take me to court and ruin my credit over an item I explained that wasnt mine and isnt accurate. The rep hung up on me after I advised that by law they have to send me proof of debt. Im writing this to inform the collection agency that I have no acknowledgment of this matter and I am refusing responsibility of this issue and they need to remove this inaccurate information from my credit otherwise I will be speaking with an attorney and filing a lawsuit against them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Equifax delete the positive accounts from my credit reports without my knowledge or any consent to do so. These accounts have not been on my credit 10 years for them to be deleted them off. I called to asked them why they were deleted and they told me that the creditors asked them to delete them. That 's just so strange to me because these accounts are still on the other 2 bureaus and if that was the case they would have been deleted by the other 2 also. I asked Equifax to put these accounts back on and they told me that they could n't that I would have to contact the creditors to do so. I do n't think I should call the creditors when they should have never been deleted to begin with. I have been for a couple of years trying to get the bad debt removed and they are keeping it on way past statute of limitations in Texas. But will delete the good debt. My score dropped so low that I wont ever be able to get any credit to start over. Attached is the score difference between Equifax and XXXX after Equifax deleted my positive credit. Over a 100 points.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Mortgage (Conventional home mortgage) with HUNTINGTON NATIONAL BANK, THE (IN).
Issue: Problem with a credit reporting company's investigation into an existing problem

Complaint: I filed bankruptcy in XX/XX/XXXXwhich was discharged in XXXX, in the bankruptcy I surrendered rental property which is still on my credit report I have spoken with Huntington and they are unwilling to work with me, I am trying to refinance my home and these things are still on my credit report can you please help me Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Our law office represents a client who has a mortgage with HSBC. We called simply to get the accurate address to send a " Notice of Error ''. We spoke to the HSBC representative at XXXX after dialing XXXX. She refused to give an address to our office so we have used the address for " Error Resolution '' on their website, HSBC, XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Mortgage (Conventional home mortgage) with Fay Servicing, LLC (TX).
Issue: Struggling to pay mortgage

Complaint: I have sent two financial packets at the request of Fay Servicing @ XXXX XXXX XXXX because we were struggling to make monthly payments. No one calls us back or responds in way all the sudden we get a letter in the mail that our house is being foreclosed on, we tried to maks payments when we first started being unBle the full amount they would not except partial payment, in my opition Fay Servicing just wanted to raise the amount we owed knowing we could not afford them raising the monthly payments, then foreclsose sell to another family just to do the same thing. Can your company please help us save our home. Thank you The XXXX Family XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XXXX XXXX, XXXX, I send a letter to Experian in the request for verification of the debt shown as XXXX XXXX XXXX {$320.00}. This account remains on my credit report without validation of the debt pursuant to Section 609 ( a ) ( 1 ) ( A.

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 01-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Spent 2 years harassing me over a debt fraudulently reported by XXXX. Well over 100 calls and three separate disputes

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Making/receiving payments, sending money

Complaint: I was selling a futon online and the buyer gave me a check for the payment and stated that I should deposit it soon as they would arrange to have it picked up. After about five days elapsed, they stated that they would not be needing the futon and asked that I return the money to them. Not trying to be held accountable for their money, I wired it back to them as per their request. Almost a month later, Chase Bank tells me the check was returned for fraudulence so I was out that amount of money. This put my checking account in the negative. As I was moving, I had no spare money to cover the difference and when I called to comment that there should be something they 're able to do, they said there was not and I 'd have to pay them back. I filed a federal report about the fraud online but this affected nothing since I authorized the check 's deposit. After a month, they said they 'd report me to Early Warning Service despite my story. I have never had any issues with my accounts before nor have I ever committed fraud and I ca n't seem to understand why there is nothing I can do but report the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midland Funding , LLC is reporting alleged debts of {$3200.00} ( Acct # XXXX ) on my credit reports without any standing & in violation of the Texas Finance Code/Section 392. Their reporting is harming my credit reputation. Their actions are also in violation of the Texas Deceptive Trade Practices Act, actionable by triple damages. I have sent them the required 60 notice to cure per DTPA statutes and I intend to pursue a claim against their XXXX bond on file with the state of Texas. There is roughly 30 days left on the 60 day notice to cure. In addition, Midland is in violation of the Consumer Financial Protection Act of XX/XX/XXXX ( Administrative Proceeding File # XXXX ), as there is a standing consent order since XX/XX/XXXX. Please advise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX, Account Number XXXX in the amount of {$1300.00} for XXXX XXXX XXXX XXXX has been deleted from my credit report and now reappeared. I was never given the 5 day notice for the items to come back on my credit report that is required by the FCRA. I was never even contacted by XXXX XXXX so how can they verify the debt with the credit bureaus and not me?

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Credit card () with CITIBANK, N.A. (MN).
Issue: Credit determination

Complaint: I made an overpayment of {$0.00} on my Citi/AAdvantage Platinum Select Card a few months back. Got my XXXX 2015 statement and it shows no credit. The balance is XXXX out. The Account Summary section of the statement shows the following adjustment : Post date : XXXX/XXXXDescription : Balance removed due to XXXX mos inactivityAmount : $ XXXXXXXXThis is the XXXX time of all my 30 plus years of credit card history to encounter such an adjustment on account credits from a credit card issuing bank. I also wonder how many accounts Citi Bank has XXXX out and pocketed the gains from account holders. Encourage the CFPB to look into the matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/16/2016 about Payday loan () with Mobiloans, LLC (VA).
Issue: Charged bank acct wrong day or amt

Complaint: Received a loan from Mobiloans. They were deceitful in their monthly payment schedule. They have been withdrawing more money from my checking account than I agreed to. Yet when I look at the payment history it does n't reflect the entire payment. Their practices are extremely deceitful and the " language '' is written in a way that seems legitimate, understandable and upfront. However, they 've never provided a truth in lending disclosure as promised when I applied and I do not have one in " my account information. '' What they offered when I applied is NOT what is being followed. I 've contacted them and they are NOT willing to assist. I have copies of my payments and the amount they 've deducted from my bank account. Willing to submit them as necessary. For example, they deducted {$220.00} from my checking acct on XX/XX/2016. However, they only posted a payment of {$110.00}. Where 's the additional money applied they deducted from my bank account.

Company response to consumer: Untimely response
Consumer complaint received 07/14/2016 about Mortgage (VA mortgage) with PHH Mortgage Services Corporation (VA).
Issue: Loan modification,collection,foreclosure

Complaint: PHH Mortgage. Mishandling of the mortgage refinance process during a divorce proceeding.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Debt collection (Credit card) with Colony Brands, Inc. (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: There is degratory information appearing on my account for {$250.00}. This account is old. It was opened XX/XX/2012

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: My name is XXXX and I am asking for an investigation on my credit file and then for it to be updated in the system.

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 05/25/2017 about Vehicle loan or lease (Loan) with United PanAm Financial Corp. (FL).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: I financed a XXXX XXXX XXXX on XXXX/XXXX/17. On day 4 of having the vehicle, we was spelling raw fuel and noticing that it was burning more fuel than it should, we took it back to the car lot, who had us take it to a dealership for a smog test, came back that it needed filler neck and then repeat smog test for further issues, the car lot, XXXX XXXX XXXX XXXX XXXX XXXX, had n't her mechanic fix the vehicle, but did n't send back for repeat smog test, however, it was worse after the fact, after about a month, the air conditioner stopped working, we have tried to work with XXXX but there is nothing more she can do. So I started calling the finance company, United Auto Credit, to try to get it worked out, they are n't really working with me other than for me to try to trade it in which no dealership wants it or to give us enough to pay it off, they offered a settlement offer is someone wanted to buy it, but no one wants to buy it, and has said they really have us stuck in this upside down, meaning we paid too much and are getting XXXX I tried explaining to them that the dealership mechanic said it is dangerous to drive this vehicle due to the fuel evaporating or leaking, someone could flick a cigarette or something and boom, I 'm dead or burnt up in the hospital, this is very dangerous and does n't keep fuel in it, we have to get fuel daily and it still disappears after driving a few miles, it is really breaking us to keep fuel in it and we just want out of this loan, and for it not to go on out credit, making the payment is no issue, but when u have a vehicle with the serious issues this has, it 's not acceptable, I could understand the air conditioner, that is nothing, but to be told that it is dangerous to drive, that 's a big problem, I have spoke to the finance company on several occasions and to different people who say something different every time and no one is on the same page and they are making it very difficult as if the situation at hand is n't enough. I 'm scared to drive this vehicle. We lost a vehicle that was paid for in this as well, with that loss and the fuel, and repairs, and making payments, in the 3 short months we are {$5000.00} in the whole. We just want to get this resolved, whether it be wrote off as satisfied or another vehicle, or just out of it with our money back to get another vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Application, originator, mortgage broker

Complaint: Complaint on XXXX XXXX for unauthorized pulling of my credit SHE HS LIED SO MUCH ITS UNCALLED FOR! 
Sections XXXX, and XXXX Any person knowingly and willfully obtains a consumer report under false pretenses can face criminal prosecution Section XXXX. 
I have sent paper over and over I have complained over and over to this lady and I have filled complaints over and over with all credit companies and with chase I have never applied with your company for an mortgage on XXXX XXXX, XXXX and n soft pull was done on XXXX XXXX, XXXX also an Hard Pull was done on XXXX XXXX, XXXX I have request the applications and was told to fill out these papers and it will be removed I have complained to XXXX, Consumer Credit and still this lady XXXX XXXX has lied over and over I DEMAND THESE INQUIRES BE REMOVED FROM ALL OF MY CREDIT FILES ASAP I HAVE FILLED THE LAWSUIT TO SUE YOU AND I WILL BE ASKING THAT ALL MY OUT OF POCKETS LOST MY LAWYER FEES AND OTHER DAMAGES THAT THESE HARD PULLS HAS CAUSED ME!

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I monitor my credit report and scores through XXXX. In XXXX of this year Equifax reported a " new '' derogatory mark on my report and dropped my score substantially due to this information. The next month XXXX followed suit. The problem is, that the " new '' information, was actually old information. It was a bankruptcy that had been discharged and reported back in XXXX. But, according to the information supplied to XXXX by XXXX and EQ it was " new '', so I had a subsequent score drop of around XXXX pts on each. I contacted XXXX who agreed to do an investigation, and am waiting on the outcome. However, EQ refused to do anything, even after the CS agent stated it was reported twice. When I was transferred to a supervisor, she denied that statement, and said credit scoring was automatically done, by machine, and there is no record available for her to go back and look to see what was reported, but yet could tell me when it was first reported in XXXX. She also tried to claim it was the other accounts in my report, that have also been there for a while, and not really much change in any of them. She then went on to try and discredit XXXX, and deny that XXXX gets any accurate information from them, and then tried to sell me my credit score. She refused to do any investigation, nor open a dispute claim. Here is a copy of what is displayed on the XXXX site as of XXXX. As you can see they clearly state where the information comes from .... 
XXXX ( R ) XXXX ( R ) Where You Stand You have XXXX derogatory mark. Last update, you had XXXX. 
XXXX XXXX You XXXX XXXX How It 's Calculated Open accounts in collections XXXX + Negative public records XXXX = Total derogatory marks XXXX PUBLIC RECORDS XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Mortgage (Conventional home mortgage) with Fay Servicing, LLC (NV).
Issue: Struggling to pay mortgage

Complaint: Prior to and since  the Lender recorded a Notice of Default i n  XXXX   2017 , I have diligently pursued a foreclosure alternative, such as a loan modification, or short sale.   However,  Fay Servicing h as given me a very hard time regarding submitting the proper documents.    Fay Servicing ha s verbally demanded that I submit a  XXXX  form without the third-party information filled in.   Please see my most recent cover letter to my last document submission. I also copied the IRS office regardi ng Fay Servicing 's misconduct. In addition, I have filled out a complaint form with Nevada 's Mortgage Lending Division in an effort to get the regulators attention regarding Fay Servicing 's blat ant disregard of state and federal laws.     Please be so kind to review these circumstances and st op Fay Servicing from s team-rolling its foreclosure process on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Debt collection (I do not know) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Collections Show All Dispute Options A collection is an account that has been turned over to a collection agency by one of your creditors because they believe the account has not been paid as agreed. ENHANCED RECOVERY COMPANY Dispute Item Agency Address : XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Cable/Cellular Creditor Name : XXXX Account Number : XXXX Account Owner : Individual Account. Original Amount Owned : {$400.00} Date of XXXX XXXX Delinquency : XXXX Balance Date : XXXX Balance Owned : {$400.00} Last Payment Date : Status Date : XXXX Status : D - Unpaid Comments : N/A Continue Dispute Summary XXXX XXXX XXXX for : XXXX XXXX As of Date : XX/XX/XXXX Personal Information Accounts Negative Information Inquiries Copyright ( C ) XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-06-2017 about Payday loan, title loan, or personal loan (Payday loan) with Enova International, Inc. (MD).
Issue: Can't contact lender or servicer

Complaint: I have a payday loan from 2013. I have a person ( not the company ) continuously calling my work, calling from multiple lines at the same time, harrassing me and my company. The calls are disrupting out work. The caller has used multiple lines including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation