milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-09-2017 about Debt collection (Mortgage debt) with OCWEN LOAN SERVICING LLC (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: On  XX/XX/XXXX  O cwen Loan Servicing LLC, said it was No Longer Servicing this Loan #  XXXX  on a letter sent in reply to CFPB a government Agency.   On or about   XX/XX/XXXX  Oc wen Loan Servicing LLC posted property Inspection fees, Legal Filing Service Fees and a GSE-REO Liquidation transaction.   How is this Possible? When the on   XX/XX/XXXX  th ey show a Loan disbursement of  XXXX , to WHO?   They show force placed  Insurance  on   XX/XX/XXXX     XX/XX/XXXX , XX/XX/XXXX .    On XX/XX/XXXX there is an alleged sale  XXXX   XXXX  County Recorders Document #  XXXX  from  XXXX  to  XXXX   XXXX .   and in   XX/XX/XXXX ,   Document  #  XXXX  from  XXXX   XXXX  to  XXXX  and  XXXX   XXXX .   On     XX/XX/XXXX    Ocwen Loan servicing, LLC  shows  6  transaction occurring on that day.   How is this possible since they stopped servicing this loan in   XX/XX/XXXX 6  and it sold twice since?   Also If They did a Full Credit Bid they are precluded from collecting its debt.   Did they Pay  Cash  in Lawful Money of the United States? Please show the receipt and proof of funds .Document #  XXXX  See attach ed 1 )  So what was it   a Purchase? A Credit Bid.
2 ) Was Loan Disbursed? Insurance paid it? or was it Sold?
Ocwen Has violated Title 15 U.S.C 1692c ,1692e,1692f,1692g,1692h,1692i,1692j .  Evidenced by their own admissions to the CFPB complaints submitted.   Also Unjust Enrichment, Filing false insurance Claims, and other Financial Crimes R.I.C.O. related

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently received a copy of my Experian credit report. The credit report showed a hard credit inquiry by XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, & XXXX XX/XX/XXXX that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have these inquiries removed from my credit file because it is making it very difficult for me to acquire credit. I need your prompt response to this issue. Please be so kind as to forward me documentation that you have removed the hard inquiry. If you find that I am mistaken, and I did provide authorization to inquire into my credit report, then please provide me proof of such authorized inquiries.

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 12-06-2016 about Credit card () with NAVY FEDERAL CREDIT UNION (FL).
Issue: Other fee

Complaint: Over charged account, sold disputed account, filed false information on my credit report. which resulted in my XXXX being terminated with the XXXX while I was XXXX XX/XX/XXXX and unable to work at my XXXX in XXXX XXXX FL as of XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I filed an earlier complaint regarding the collection practices of a third party organization assigned by Citi Bank. Citi Bank did not respond with validation of the alleged debt being collected on. Checks were sent via postal mail years ago to satisfy the outstanding balance on the credit card account I had with Citi Bank. I had been under the impression the matter was resolved many years ago. Citi Bank instead replied with NO documentation : no canceled checks, no financial ledger, no account statements reflecting the alleged outstanding debt, etc. I 've been the victim of financial fraud in the past and am leery of the absence of proper documentation as well as illegal collections practices Citi Bank has participated in over the years. 

I would like for Citi Bank to halt possibly predatory collections practices on alleged debt, debt that there has been no documentation provided to validate. 

I would like for Citi Bank to provide proof that the money paid to satisfy the balance on my credit card account held with them circa 2007 was simply not noted on the wrong account. 

I would like for Citi Bank to provide statements for that card account mailed to me reflecting an unpaid balance.

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 03/14/2017 about Debt collection (I do not know) with Alliance Data Card Services (WA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: Received a vague call from "  XXXX   XXXX  at extension #  XXXX  telling me either I or my atty must call her regarding an urgent matter ( did not disclose company or debt on the phone ) and gave me this number to call her back :  XXXX   XXXX   XXXX  X  XXXX . I googled this and it appears to be some kind of scam, so did not respond to the phone call. I would liike to see these kind of scammers apprehended and their ability to get phone numbers shut down. It looks like they have been doing this kind of activity for several years.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Credit decision / Underwriting

Complaint: I refinance my house note as I was doing it payment stop. once the refinance was completed the payment was place on the back of the note. Wells Forgo still reported it on my credit report as not paid and will not remove it. now I have XXXX miss payment on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Credit card () with ENCORE CAPITAL GROUP INC. (PR).
Issue: Billing disputes

Complaint: I have been contacted on numerous times by phone and mail concerning an amount of money I allegedly owe. I do not recognize the firm that I allegedly owe this money to. 
I called last Thursday, XXXX XXXX, 2016 to get information and they asked me to call back today, Monday, XXXX XXXX, 2016, which I did. After being transferred to XXXX different people, they told me they could NY provide information as the account was under review but the would not tell me why. I told the last person I spoke to, a XXXX XXXX, that I wanted to settle the account for {$1500.00}, which is what I can afford at the time. They asked me to call again. 
I want this to be over! 

The firm is Midland Collection. 

Can you help me?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Vengroff Williams, Inc (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a notice from a collection agency ( Vengroff Williams ) and am contacting you because I do not owe this debt. This was settled with XXXX back in XX/XX/XXXX. I picked up the trailer in XXXX for a XXXX way trip to XXXX. When I went to turn the trailer in at the XXXX location, the place was closed. I then called the XXXX number and was told just to drop it off. They would take care of it on their next business day. XXXX charged my credit card and then refunded the amount after I called them explaining what happened. I called the collection agency when I received the first notice. Today ( XX/XX/XXXX ) I received a XXXX notice for VW. I did submit a dispute to XXXX today as well. Also, I do not have any paperwork from XXXX on this because it is from XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Dear Consumer Relations : After receiving and reviewing the results of a recent disputes sent to you, I am now requesting the method you used to verify certain items on the credit file dated XXXX/XXXX/15, with Confirmation XXXX. FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states that upon request you must provide me a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I am requesting this for the following accounts : XXXXThe data you seem to be verifying has been sold to a dept. collector who has gone out of business, then purchased by another dept. collector who has purchased my personal information without my permission. I have no such of any kind of contract with this furnisher. I think that it is appalling that you insist on reporting derogatory and false information on my file. I am asking you to provide me with all documents to support this data. Your dates are not accurate, in question, nor or the amounts being reported. Please provide me in full detail, data that support this. I will pursue further actions in a timely matter against this derogatory data. Please delete this data immediately. I have nothing to do with that account. The furnisher has mailed me incorrect data with my information being wrong. My full name I will provide with this letter. 
As stated in FCRA 611 ( a ) ( 7 ) you must provide this information no later than XXXX days after receiving this request. I appreciate your handling of this request in a timely manner. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 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: Investigation took more than 30 days

Complaint: I sent a letter via postal mail disputing a few inaccuarte accounts i found on my credit report after reviewing it. Experian replied that it was a fraud dispute. I am not going back and forth with Experian about MY CREDIT. It has been almost two months. I feel they 're LAZY and do n't want to do their job. Same goes for the other credit report agencies. I have also personally disputed these accounts with the collection agencies no response. 
1. XXXX XXXX # XXXX I have never done business with this company nor have i been contacted by this company. Please remove. 
2. XXXX XXXX XXXX XXXX XXXX I have NEVER done business with this company. 

Also XXXX XXXX is reporting late payments and I 'm sure i was NEVER late the months being reported. 

I also see a few medical bills. I am embarrassed that a collection agency has access to MY medical information. How is this even legal? Do they have a medical release form? The following accounts needs to be removed ASAP. I am not asking for a dispute but demanding removal. 
1. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX CFPB I 'M SURE YOU CAN AGREE WITH ME THAT THESE COMPANIES HAVE HAD MORE THAN ENOUGH TIME TO INVESTIGATE THESE DISPUTES SO THERE SHOULD BE NO REASON FOR A " WE NEED MORE TIME RESPONSE ''

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 09/19/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TN).
Issue: Account opening, closing, or management

Complaint: On XX/XX/XXXX, Wells Fargo put a hold on my account. No efforts were attempted to reach me. On XX/XX/XXXX, I visited a Wells Fargo branch and I was told that an executive business decision was made to close all my accounts. No explanation was given beyond suspicion of fraud. Interestingly, the same thing happened to my sister on Friday. Now Wells Fargo intends to hold my funds until the end of the month and I have no cash on hand to tide me till then. When I was told that my account was under investigation for fraud, I told them to bring in the cops and lay the evidence on the table and I will also provide evidence to clear my name but they did not respond to that. Wells Fargo has the right to decline to do business with me, just like I have the right to decline to do business with them but they have no right to hold on to my funds until the end of the month. In the judicial system, it is innocent until proven guilty and not the other way around. My rights are being violated and I believe I am being discriminated against because my last name indicates a different heritage other than U.S. 
If Wells Fargo believes that I am involved in fraudulent activities, I demand that they provide the evidence and If no evidence is found, I demand that I be compensated for emotional distress and violation of my rights. They can not benefit from doing business with my held funds and making money off it for the next 11 days. Also, they do not have the right to violate anybody 's rights just because they can. They are not the police, judge or jury. This is bad business practice and should be illegal. If any illegal activity is suspected, involve the law but do not damage an innocent person 's image in the process. 

Consequently, closing my account due to suspected but not proven illegal activities will have a negative effect on my credit report. This is America and this is a violation of my rights. We are not in a dictatorship. I invite Wells Fargo to submit their evidence and I look forward to clearing my name.

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 monetary relief
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax continues to report fraudulent information on my credit report even after i have taken all the necessary steps to rectify and correct the problem. XXXX, XXXX, and XXXX XXXX are accounts that were open in my name apparently by a relative who used my information without my consent. I 've been aware of fraud since XXXX when my purse was stolen. Every since then from time to time accounts pop up n my credit that I unaware of. XXXX and XXXX have removed all fraudulent accounts but not Equifax. Besides the fact that their website has been hack too many times one could not easily not trust them with vital information being stored safely and be reported correctly, I see their action as negligent and a violation of my consumer rights as a identity theft victim. Fraud does n't mean an account does not exist it simply means an account was open by someone pretending to be the victim. They do n't seem compassionate and have shown that they want to keep this on my credit file even though I have an official police report as well as a identity theft report from the FTC. I appreciate the other 2 bureaus for being professional, ethical, and fair. its my hopes that this complaint will alarm other consumer agencies to investigate their unethical practices. I 'm suffering damages because of their negligence and desire that they follow the same guidelines as XXXX and XXXX. I 've literally done everything but file a lawsuit when that should n't even be considered.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (GA).
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint: Discover is a card company who process application for applicant who are in need of credit. Discover is falsely advertising that they have millions of dollars to offer consumer ( s ) who qualify for instant credit. My complaint is against Discover card and the card company ' affiliates.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Debt collection (Mortgage) with Seterus, Inc. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX, XXXX. They call every day. I have pay mortgage. The girl said I every day. I am can, t hear the message. I am my friend call the XXXX - my friend told harass the me.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Mortgage (VA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TN).
Issue: Struggling to pay mortgage

Complaint: My mortgage was in payment arrangements through XXXX XXXX XXXX. Carrington mortgage assumed the loan in XX/XX/XXXX and when I contacted them to set up payments they told me my bill was {$26000.00} and I would have to pay that amount in full to then set up payments. I submitted a request for mortgage assistance in XX/XX/XXXX. I received a letter on on XX/XX/XXXX dated XX/XX/XXXX that addition documents were need. I submitted those on XX/XX/XXXX withe a deadline of XX/XX/XXXX. I was on the phone when the documents were sent to verify the arrival of the documents. I call back on XX/XX/XXXX not having heard back from the company and was informed the the case was closed and denied due to paperwork not being received on time. I have the emails and confirmation that everything was received. I was informed today that I need to submit and entire new packet. So I did and was told to call back to verify that it was received, I did but was informed that they will not process the packet at this time but within the next 3 days.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: checking credit My credit has been reported delinquent 30, 60, 90, 120 days and it was supposed to be corrected. It is showing that this is over 10 years old. I spoke with my previous servicer, XXXX, and it was supposed to be corrected before it got moved to Nationstar. Nationstar continued to report delinquent when it was supposed to have been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (NJ).
Issue: Other service issues

Complaint: I wanted to sell a few things on Ebay. Ebay instructs sellers to create a Paypal account in order to sell on its website. Ebay collects the sales price and then disburses the proceeds, after deduction of Ebay 's fees, to the seller 's Paypal account. I therefore applied for a Paypal seller 's account so that net sales proceeds could be paid to Paypal. Paypal requested and I supplied my bank account information and a credit card. They also demanded documentation of identify. I uploaded a copy of my driver 's license. The bank account was verified and the credit card was approved. I received an email message from Paypal that I was " verified. '' A few hours later I received an email demanding that I supply a copy of my credit card statement and my bank account statement. This demand is what I find to be overreaching. The credit card statement reveals my credit limits and other personal information. My bank account statement reveals my deposits, payments, to whom these payments are made, and other private information. I do not wish to reveal this information. It is too intrusive just for the ability to sell a few things on Ebay. To have this personal information become part of the business records of Paypal to do with it as they please is concerning to me. And no entity appears to be immune from hacking. These statements in the hands of hackers could cause me identity theft problems and could open the possibility of my bank account being accessed and my credit card impacted. Additionally, I have separate buyer 's account at both Ebay and Paypal. The Paypal buyers account has been in use for about 10 years without any misbehavior by me so that these additional requirements seem to be overreaching and designed to obtain unrestricted access to my accounts. It also creates privacy and overreaching concerns. There is no legitimate reason for these requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VT).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I checked My Credit report on Equifax and seen a XXXX credit reported filed there..This XXXX has tried several times to report a fake report saying I owed this XXXX and They had been report to Vermont consumer affairs and was told they could n't do that and I had Disputed This XXXX Account several times even with XXXX..Now XXXX had XXXX XXXX XXXX file on Equifax I was never contact by this XXXX XXXX XXXX so i could dispute it with them..So I Filed a Dispute with Equifax and All I got from them is the had contacted them and I am not able to get on Equifax site to follow up with them or contact them or  such..XXXX  tried to add or change My Account so they could charge me more and I paid My last account and they tried to bill me more and I canceled My account with them and they was reported..I am not still able to get on Equifax site to follow up with them and Add anything to the Dispute and they have not done nothing to rectify this situation..I have still tried to get on the Dispute Site to check and file and its been over 30 days..I do not even have the account number to this Account or papers on it no more because this was back in 2014 and thought they was gon na grow up..This is the dispute file number they had giving me..XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I paid  XXXX   (   XXXX   XXXX   XXXX   XXXX   ) a sum of   money whith they asked for and which they said would satisfy my debt in full.  XXXX  's received and cashed the check.  <P/>  One month later I received a letter from a second company which claimed th at  XXXX  's (   XXXX   ) had sold the account to them and they attempted to collect on it. I disputed the claim but never heard back frorm the company.  <P/> Months later, a third company demanded payment for the same erroneous debt, claiming  XXXX  's had sold the debt to them. I told them the original claim had been paid to  XXXX  's years earlier. I received no response.  <P/>  XXXX  's, despite multiple attempts to have them rectify the situation, falsely continues to report money as owing to them and continues to damage and impair my credit reputation.  <P/> It is likely that  XXXX  's selling other erroneous claims to second and third parties and failing to make sincere and reasonable efforts to review their false, or possibly falsified records.

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