milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/18/2017 about Debt collection (I do not know) with Radius Global Solutions LLC (DC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have no debts yet I have been receiving repeated calls from " Central Credit '' who changes its phone number on a regular basis. Today 's phone number is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I have a mortgage with Ocwen Loan. My payments just keep raising my payments. I asked for a loan modification and was told that I have to be late on my mortgage first. I did what they as asked. Ocwen denied me over and over again.This caused me to be late on my mortgage. I found out later that I could not get a HAMP XXXX DUE TO BEING LATE. Now they are saying they offered me a modifications. What they sent was the payments three times the amount of what I was paying THAT 'S NOT A MODIFICATION. THIS HAS GOING ON TOO LON LONG. My home is a XXXX account. It is a MORTGAGE BACK SECURITY, THE HOME IS NOT SECURED AND THEY ARE THREATENING FORECLOSURE. I just want help. 
Many of my payments did not get reported. They continue to add fees that are astronomical. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian has not validated accurately that the account of XXXX is my account. I have reported it as a fraudulent account to the Police and police report has been provided to the credit agency of Experian. Experian has not validate information from XXXX to the information that they have on file. Providing name, birth-date, and social security is not sufficient evidence to validate the account is mine. This is why it was reported as fraudulent has someone used that information to open this account. Please have this removed from my credit report of 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 06-10-2016 about Money transfers (Domestic (US) money transfer) with Google Compare Credit Cards Inc. (OH).
Issue: Other service issues

Complaint: XXXX had technical issues and was send the request for payments for items I 've not received to Google wallet. I contacted google and the rep took XXXX of them off, and was unable to remove the rest, so I was told to contact my credit card to have the rest removed. So I did. XXXX then suspended my account and told me to verify my Id before they would open it back up. I sent all required documents and they did not open it back up.Visa asked them to verify what was charged and they sent XXXX documents, and it was agreed that those charges were legit and was put back on.. Now Google today after my second call ( The first XXXX was very ignorant. ) Told me now all charges that they can not verify must be back on before they will reopen my account XX/XX/2016-XX/XX/2016.. Now why should I pay for something that I did n't receive.

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 EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Look at these reports that I have attached to this complaint. I tried contacting these creditors but I did n't get no response at all and I 'm really tired of it. This is my last and final attempt to get this resolved. It is wrong to place information on someone 's credit without their consent and that is a major violation of the law. Companies who are to place them on the credit file is just as guilty. I know the law well and I know that credit bureaus get paid major money to place inquiries on consumers credit so you credit bureaus are willing to anything for money and do n't care about the consumer at all. When I file this lawsuit against all three bureaus I wo n't have a care in my heart as well.
Equifax : XXXX : XXXX : To : XXXX, Equifax, & XXXX.
FYI FOR YOUR INFORMATION, I 've contacted the creditor personally by reaching out to them about this matter & I have n't gotten a response through mail, phone. I do n't recognize any of the inquiries on my credit file. I am sick and tired of you Credit Bureau sending me bogus computer generated investigations. This is the final attempt to resolve this matter with both you and the creditor. I will seek legal actions immediately this week. I am contacting The FTC along, BBB, and filing a law suit against Equifax, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Mortgage (Conventional fixed mortgage) with CITIZENS FINANCIAL GROUP, INC. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I filed a complaint against Citizens Bank. They made an adjustment that did not solve the problem and now refuse to return my call. I have placed XXXX calls to the Chairman 's office. 

XXXX XXXX XXXX callsXXXX XXXX call-his voicemail says he is back from vacation as off yesterdayA {$600.00} ( approximate ) payment was not applied to the balance of my mortgage in XX/XX/XXXX. If it had been the balance going forward along with the interest charged on the reduced balance would have been less with each additional payment since the balance would be less. The paperwork supporting this was supplied to Citizens. 
Citizens applied the money that was paid in XX/XX/XXXX today and wanted to wash their hands of it. So they want to keep the additional interest they have charged and I have paid from XX/XX/XXXX to XX/XX/XXXX instead of recalculating the balance. Interest was charged on a higher balance. I think the bank should understand this. I want the payment applied and then the interest calculated on the reduced balance from the time the payment should have been applied to now. Yes, it will be many calculations since the error dates back a few years but I am sure there is technology that can assist XXXX XXXX or XXXX XXXX so it does n't have to be done long hand. I hope this can be resolved to my satisfaction soon.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have been disputing information for 6mths or more and cant get correct updated information. I have submitted documentation to support the investigation. yet it opens another dispute. XXXX XXXX account should be removed from all XXXX bureaus. in addition to XXXX should also be removed from credit report. I have accounts that where settled and close that are reporting open and due. I have an XXXX account the went to collections that has since been rectified by att that I have to wait to have it removed,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Target, has provided incorrect information on my credit report and the payment system that they used inadequately had problems processing my payments and the money was in my account each time. I want the adverse account information removed from my account. It was their fault for the lateness.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This has been an ongoing issue with Transunion credit reporting. I now have copies of what 's being reported as my score. And the score they are giving others for me. I have attached a copy of my online report the I pay for. And have a copy of my report that was sent to creditor. This caused me another chance to get approved for my loan XXXX Again! I am paying money for a true credit score and am not getting it.. Both of these reports are right from Transunion and NO ONE ELSE!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/23/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Using a debit or ATM card

Complaint: Please direct this to XXXX XXXX XXXX office, executive board at Chase. The USDJ/FBI has background, XXXX, IRS estate tax proceeding obstacle as to why my XXXX lifetime credit score was impacted, beyond control. Very complex. 

Recently, opened a Chase Account -- Intend to make good XXXX day. I have appreciated the credit card for personal, trust and businesses. Wish to restore honor, now and to the future. 

QUESTIONABLE CHASE EMAIL : This morning, an insufficient funds notice was received -- XXXX -- XXXX/XXXX/XXXX. 

I went to check an ATM -- plenty of funds. 
Hundreds. I carry figures in my head -- along with on-line banking. Daily, I know how much approximately is in approximately XXXX business or trust/ personal accounts. It may be that Chase is too slow at registering deposits as it appears this is a real error on Chase 's calculation -- which may XXXX day clear. Today, plenty of funds. No reason for the insufficient funds email. 

I believe that Chase downloads with many transactions that can be pending for days, to include cash deposits could be greatly improved in speed. 

This has happened at Chase Prospect/ database, as well as in XXXX XXXX I believe that, as an example, if a client withdraws {$100.00} cash from the ATM -- overnight calculation is quick enough across the board. It seems that when the statement of XXXX last transactions is printed sometimes at the ATM, there could be a list of " Pending Transactions '' that one would have expected to have cleared days, maybe even a week or more ago. This may be a setting in the computerized system. I enjoy having the convenience of several bank accounts, with different banks.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with PENTAGON FEDERAL CREDIT UNION (CA).
Issue: Settlement process and costs

Complaint: I refinanced my mortgage with PenFed in XXXX 2014. They advertise their mortgage rate offer by saying " we pay virually all closing costs up to {$10000.00} ''. In my loan documents, it said that there is no pre-payment penalty. However, now that I am trying to refinance, they are telling me that I owe them {$1000.00} for the closing costs they paid. This is false advertising!! There is a pre-payment fees!! My new lender thinks this is wrong and suggested I file a complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Hi and Thank You! 

First when XXXX called me from Portfolio Recovery she said this conversation will be recorded and I approved it so they have a recording of what transpired on XXXX XXXX, XXXX. 

I have XXXX XXXX XXXX credit cards that I had to stop paying on in XXXX. XXXX XXXX sold this debt to Portfolio Recovery. 

I contacted by email Portfolio Recovery XXXX XXXX, XXXX by email to offer a settlement of {$2500.00} on a {$5000.00} dollar debt but with interest and penalties they want {$5800.00}. 

I received a call from Portfolio Recovery yesterday and spoke with XXXX. She offered me a settlement on one of the credit cards that was {$24000.00} @ # XXXX and the XXXX XXXX XXXX credit card totaling {$2100.00} @ {$1300.00} and the third XXXX XXXX credit card totaling XXXX @ {$770.00}. 

XXXX asked me for {$2500.00} to start and {$86.00} a month for 13 months totaling {$3500.00} and requested my chiecking account number and routing number. 

I asked XXXX to send me a email or letter first showing these new amounts of money she just told me about and confirmation of the new balance of {$3500.00} and she said it was above her head and put her manager on the phone XXXX. 

XXXX then proceeded to request my checking account number and routing number and i said please send me a email or letter with this new arrangement for payment and he said it was against his company policy. 

I am willing to pay this new amount of {$2500.00} to start now by Certified check only and {$86.00} a month for 13 months totaling {$3500.00} but they will not send me a email or letter first confirming this new amount. 

Please advise. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SRA Associates, Inc. (MI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: paid off a home equity account on XXXX-17 to SRA Associates who was a debt collecter for XXXX XXXX for XXXX dollars. total debt was for XXXX. before making final payoff payment, was instructed that the XXXX dollar payment was the amount needed to pay to clear debt in full according to SRA associate. now trying to refinance existing home to a 15 year mortgage and am running into credit issues with what several mortgage companys are calling a debt settlement. the miss information i received from SRA is not allowing me to refinance my home. i paid the total of XXXX, but apparently some late charges were taken off. trying to do the right thing. need some help, thankyou ..

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (IL).
Issue: Problems when you are unable to pay

Complaint: I paid my account due on XX/XX/2016 and saw something on the website that said Toyota Financial gave a one-time forgiveness. I paid the overdue amount XXXX XXXX. I applied XXXX XXXX and was told that the policy was no longer being offered as of XXXX XXXX. I had never been late before. In fact, this was my second to last payment and now the car has been paid in full. I was reported as being 30 days late and my credit score was reduced by XXXX points. I think this is unfair as the forgiveness policy was active when the late payment occurred. I contacted Toyota Financial again and they refused to remove the late mark on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Consumer Loan (Vehicle lease) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Managing the loan or lease

Complaint: On        XXXX   XXXX   XXXX    I requested a payoff of my   XXXX    XXXX   XXXX  that was leased through Chrysler Capital. I am in the process of purchasing a home and needed that paid off to qualify for my mortgage. I received a payoff from  Chrysler valid through  XXXX   XXXX ,  XXXX . To be on the safe side I overnighted my payoff to ensure that the payoff would be made on earlier then needed. I called and verified with my bank on  XXXX   XXXX  and was advised that the cashiers check had cleared on the  XXXX  of  XXXX . I received a bill of sale from Chrysler Capital the week of  XXXX   XXXX  along with the original title transferring ownership to me. On  XXXX   XXXX  my mortgage broker proceeded to pull my credit and we found that  Chrysler  had reported me late for the  XXXX  payment. This late payment destroyed my credit rating and I was not going to be eligible to purchase the home that I am in contract for and non-refundable deposits have been made. I called Chyrsler and they reviewed the account. Apologized for the error and assured me that they would correct it directly with the credit agencies as well as close out the account. No one could give me an answer as to why it still showed as open. I was told it would take  24- 48 hours to close out the account and 7 to 10 days for the credit to be co rrected. On  XXXX   XXXX ,  XXXX  I called Chrysler to verify that it was corrected and found out that they once again reported me late to the credit agencies and that it would continue to report late beciase the account still showed as open ... .with a past due payment. I was transferred to  4 different supervisors/managers and each one to ld me the  XXXX  department handles it and they would contact me once it was resolved. They did n't know why it happened and said it should be  24-48 h ours. I asked for a letter as proof to the seller of the home I was in contract for so that I could extend it and not lose my deposit and I was told that they under no circumstances provide and letters. No one could transfer me directly to the "  XXXX  '' dept. and I had no resolution after being on the phone for a little ove r 3 h ours. The amount of stress that this error has caused me is beyond what can be described. I need this account cleared up in time so that I do not lose my deposit on the home I am trying to purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/14/2016 about Debt collection (Mortgage) with Shellpoint Partners, LLC (SC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Shellpoint Mortgage Services XXXX, fraudulently Increased the interest rate on my mortgage and then put my loan into collections when I disputed the new interest rate. I submitted my " borrowers copy '' of the loan documents stating the rate of 2.25 % for 40 years. They have not provided me any information and have placed me on a " dual track '' accelerating my loan into collections and foreclosure while they are " reviewing '' my dispute. I have never been able to speak with or have received any communication from a personal loan specialist over the past 4 months. I have spoken to over XXXX different customer service agents, non of which can help me and give conflicting information each time I call. I have been given longer " review '' times for my interest rate dispute each time I call. The first time I called I was told the review would take XXXX4 days, then up to a week, then XXXX14 days, then up to 30 days and the last time I called they said it could take up to 45 days, but no one is ever available that can let me know where they are in the process or provide me any information. I have recently been told that they may file for foreclosure on my home in 2 weeks. I have been paying my mortgage for 10 years and I was never late on a payment. I just do n't understand why Shellpoint Mortgage Services is allowed to play games and not give me a point of contact that actually works there and I 'm able to speak with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Trouble during payment process

Complaint: Ocwen Loan Services h as deducted numerous egregious charges from the escrow account without any burden of proof that a real expense occurred. Items such as property inspection fees etc. I have requested Ocwen numerous times to show me that an actual expense occurred and to provide the pictures of the said home inspection or a receipt of an invoice that was submitted from the inspector. They keep sending me the mortgage statements that show deductions but do not provide the proof of expense. The law firm handling the foreclosure case did have the case on hold but now have opted to proceed to foreclosure without resolving this issue. The law firm has also tacked on multiple duplicated fees that have increased the rear amounts owed to an unfeasible amount of money. Ocwen continues to play musical chairs with assigning a different relationsh ip manager every few weeks. Each time the new manager seems to not know what has happened to date?? This certainly delays  any resolution to the issue while they feel free to continue into foreclosure. The problem with Owen started when they refused to explain the charges and I put the mortgage into escrow and did notify them of such. Ocwen has never asked to see the escrow account info or to release the funds or ever resolved the issue or granted my requests for proof of expenses. IN fact all they did was raise the mortgage to satisfy their charges.  Ocwen  also sent a reply to my request to explain the charges to the escrow account stating that my name does not match any of their records??????

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (GA).
Issue: Managing the loan or lease

Complaint: This car loan has been paid in full. It has been in my credit report since XX/XX/2007 and they have refused to remove it from my credit reports. I DO NOT owe them any money whatsoever and the account is showing a XXXX balance and they still have not removed it from my credit report. 
Account Details Last Reported XX/XX/2007 Creditor Name GMFNANCIAL Account Type Auto Account Status Closed Opened Date XX/XX/2007 Closed Date XX/XX/2007 Limit -- Term 61 Months Monthly Payment {$290.00} Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$12000.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/2007 Amount Past Due -- Times 30/60/90 Days Late 0/0/0

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX XXXX has reported two different accounts on all three credit reporting agencies of which one account is completely FALSE!! They have one account stating that I have three different episodes of 30-60 times lates which they have verified that I dont.

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 04/14/2016 about Payday loan () with Braviant Holdings, LLC (OH).
Issue: Charged fees or interest I didn't expect

Complaint: This loan from XXXX XXXX has charged me more interest than I ever thought I would have to pay. For a XXXX dollar loan they are trying to make me pay back XXXX dollars. In addition, they took XXXX payments out of my account at the same time. I want to resolve this loan by paying the difference between XXXX and the XXXX that I have already payed, which would mean my balance should be XXXX. Please help me with this situation.

Company response to consumer: Closed with explanation