milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-12-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with OCWEN LOAN SERVICING LLC (LA).
Issue: Trouble during payment process

Complaint: Hello, Over the course of the last 9 months, I have received non-stop daily phone calls from Ocwen Financial Corporation regarding an amount in excess of {$500.00} that they say I owe even though my loan ( closed end second mortgage ) matured in XX/XX/XXXX and I have never in 20 years made a late payment. My loan should have a {$0.00} balance. I, as well as my daughter, have called Ocwen more than 5 times over the past 9 months to try and determine what this amount is for and the people that answer the phones have no idea. Every time we speak with them we get the same story " I 'm sorry, I do not understand why you have an outstanding balance as it looks like all of your payments have been received on time. '' " I will open a research ticket and have someone call you back with an answer as to what this amount is for. '' No one from Ocwen has EVER called me back. NO email, NO regular mail, NOTHING! So, on XX/XX/XXXX, I submitted a formal QWR ( Qualified Written Request ) via fax, regular first class mail, and through their website. Today, XX/XX/XXXX, I  received two emails from them 1 ) with a payoff quote and 2 ) with a copy of my Promissory Note - neither of which I asked for. To date, I have not received an acknowledgement letter of the QWR I sent them nor have I received an answer as to what this money they 're asking for is for. And to top it off, I am now getting threatening letters from them stating they are going to place a lien on my property and foreclose on it if I do n't pay the $ 500+ they are asking for. How can I owe anything if my loan has been paid in full??? All fees and everything have been paid. The payoff statement they sent shows that this $ 500+ is for principal. How can that be when my loan matured 4 months ago???? I am in my XXXX 's and a XXXX widow - I can not handle this kind of XXXX. Why is it so hard to tell me what this balance is for? It 's ridiculous. Please help me. They are probably reporting this to the credit bureaus and ruining my credit as well. I am begging for an answer. 
I have attached a copy of the QWR that I sent them on XX/XX/XXXX. Thank you for any help you can provide in getting an answer from them. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I am a victim of identity theft, and have started the process of disputing by requesting my free credit reports. I have received my XXXX and XXXX report, but have been denied access to my Equifax report online and by phone. Maybe coincidental, but the person who has done the fraud is also located in Georgia where Equifax is located. Other members in my family have also been affected by this identity thief. I just need my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was sent to collection for a debt I should have never paid. I was never told about this debt. I rented out an apartment and the conditions of the apartment became unlivable. The roof was caving in and had a huge hole in it with termites and unwanted critters coming in. The apartment failed to repair the issue after multiple and multiple attempts. The apartment complex agreed to let me leave a few months early without penalty. When I left, they said I did not owe anything else. I signed the papers and left my keys. in XX/XX/XXXX, I was trying to rent another apartment when they said there was a collection on my credit report and I would have to pay it before I moved in. I paid it in XX/XX/XXXX, even though it says I paid it in XX/XX/XXXX. I was told the adverse action would be removed from my credit report if I paid it in full. It was never taken off my credit report and now the company is saying I 'm lying about it. I am extremely upset this fraudulent charge can even happen without proper steps being taken. A company can just say that I owe them money and send me to collections without having to go to court and prove it. 

I have paid the apartment well over {$1000.00} a month the entire lease and was never told about a final fee or charge of {$160.00}. If I was told about it, I would have fought it at that time if it was fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Credit card () with BARCLAYS BANK DELAWARE (IN).
Issue: Other

Complaint: BARCLAYS WENT ON MY CREDIT 6 TIMES W/O APPROVAL IN VIOLATION OD FCRA

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 04-02-2015 about Debt collection (Payday loan) with Risecredit, LLC (DE).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They keep calling me all day long every hour or XXXX for the last XXXX or XXXX weeks. They have called my job and I have told them not allowed to have personal calls. Have also emailed XXXX and tried to make arrangements still continue to call me. And they have called a couple of my friends more than once that may have been listed as references on application. I feel like I am being harrassed and no wmy friends are being harressed too.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have not received any mail or calls from the lender since XX/XX/XXXX when it was charged off my account. Then yesterday a collection company called my cosigner and asked for a payment of {$4000.00} toward a debt from XX/XX/XXXX of {$14000.00}. The collection company also told her that by paying {$4000.00} her financial responsibility as a cosigner would be removed. I have not received any notice of right to dispute, nor was it mentioned in my call today. As far as I was concerned this account was charged off and it does n't even appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have asked Experian to take all the old address of off of my Bureau report and they have not. I have Rights as a consumer to ask if I have not lived or even resided at the residence. I have been at my present residence for over 4 years and I told them those addresses were wrong, I have disputed them 3 times and sent a formal fax. only 1 address should remain on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Debt collection (I do not know) with DRS Financial LLC (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Capital Collection Service, ( XXXX ) XXXX, continues to call us about a debt owed by someone we do not know. When we complain to the caller that we are not the party they 're looking for, the caller always very politely apologizes and says they 'll remove our number from their calling list. They do n't, we keep getting calls.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Mortgage (Other mortgage) with RCS Recovery Services, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Recently I applied for financing and was denied do to a company called RCS that started reports lates to my account this year and updating the date of last activity on a loan on a property that was foreclosed on in Texas in 2009. The 7 year statute of limitations is up and they are violating the FDCPA by buying this debt and reporting newer dates to try and collect. I disputed with the bureaus and they verified the debt but provided none of the documentation they need to have in order to report it. I also sent them a letter directly to validate the debt which they still have n't done. They are illegally affecting my ability to refinance my home. My husband passed away recently who was also an owner on this property and I am struggling and need to refinance my home.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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 have an unauthorized hard inquiry from XXXX Bank on my Experian credit report dated XXXX XXXX, XXXX that does not belong to me. I have attempted to resolve this with Experian via phone and via CFPB but am told to contact the creditor. I have already attempted to resolve this with them and sent a CERTIFIED LETTER requesting to remove this erroneous record from my report which was received by them on XXXX XXXX, XXXX. The creditor has not responded to my request despite waiting 60 days. Please have this record removed from my report immediately. Attached is proof of my attempt to resolve this matter and have now been left without resolution and an adverse record on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (FL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I have been dealing wiht  Barclays Bnk  regarding my credit card since   X/X/2017    . I have already submitted a complaint nothing has been done by the company to correct there mistake and now the problem has gotten worse.     On    X/X/2017      i called Barclays bank to inform them i was unable to return to work due to an injury, and asked if there was any programs to help me out as it would be very hard to make payments until i receive my  XXXX  hearing as i have very little income. The representative told me that they would be able to help me but not until my account was past due, she even went as far as to put me on hold while she double checked for me. She than informed me it would not be a problem but i needed to call back after my account was past due.     On   X/X/2017   the day after my account was due i called back and was told by a representative, that they would help me but my account needed to be more than 30 days late.     After reviewing my accounts  on  X/XX/17  i n oticed the account in question had been marked as past due and a fee applied, i called again on   X/XX/17     and was told sorry theres nothing we can do to help you.     I have been in contact with the office of the  President of Barclays  card who also refuses to help stating i was misinformed and that the person who i originally spoke with does not knnow the requirements for assistance.     When i called the first time to speak wi th Barclays on  X/X/17  m y account was not late yet, I allowed it to go late based one misleading information i was given by a representative of this company, i was given this incorrect information apparently multiple times.     Because of this company i now am two months behind and they are now damaging the credit i was tryinng to rebuild by making negative reports to the credit bureaus.     I was injured at work and am awaiting a disabilty hearing, i have every intention of paying my balances off with this company once i have an income source again.     i was misled into allowing my account to go late, if i would have been informed that there was no way to help me in the first place i would have done everything in my power to keep this account current, but becuase of the misleading information they gave me i am now two months behind and getting negative information given to the credit bureaus, i can not even apply for a debt consolidation loan becuause my score has dropped over  XXXX  points just from the negative comments from this company, this is an outrage,

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 01/15/2017 about Debt collection (I do not know) with ERC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There is a charge on my acct says opened XX/XX/XXXX and reported XX/XX/XXXX this is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 04/14/2016 about Credit card () with JPMORGAN CHASE & CO. (PA).
Issue: Credit determination

Complaint: I recently applied for a CHASE SLATE card and was told that confirmation of my actual physical address was required for approval. I was reluctant to provide more than my mailing address as I work in XXXX and have security concerns but after being assured this would be kept confidential and I would be approved once they had my address, I provided it. I then followed up and was told I was turned down because of my account balances vs my credit lines. I applied for the account as I wish to lower my balances by transferring them to a 0 % account and paying them off much faster! I feel as if I was declined simply to punish me for resisting giving my home address and complaining about it.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Consumer Loan (Title loan) with WHEELS FINANCIAL GROUP, LLC. (CA).
Issue: Charged fees or interest I didn't expect

Complaint: In XX/XX/XXXX I took a title loan for {$2000.00} with Loanmart through a Payday store. I paid $ 220.00+ a month for three years. On XX/XX/XXXX I made my last payment to them. It was hopeless my balance was $ 5000.00+. The vehicle is a XXXX van. The vehicle has not been registered since XXXX no insurance. It has been sitting for six years. I contacted Loanmart two years ago and was told they do n't want the vehicle and if I do n't have any money to pay them there is nothing to discuss! Recently I 've been searching on what I can do, I ca n't leave the vehicle parked any longer. For the last year I 've been receiving email as advertisement from Loanmart in my spam folder which are settlement offers. I received XXXX in my inbox a few weeks ago advertising 30 % off, now I do n't know if that is off the payoff {$5000.00} the principal {$1700.00}, interest bal {$3200.00}. I 'm working through XXXX, but I 'm getting no where. I 've been emailing them for a solution and over and over they would n't tell me unless I called them. Ill not speak to them from prior phone conversations I get to upset. So finally I wrote a letter not so nice and finally got a answer from the supervisor with an offer for {$1200.00} XXXX lump sum. That 's the 30 % off offer. I 'm now a senior citizen on Social security and do n't have {$1200.00} more money to give them for what? The vehicle is broken, no tires, cracked Windows, check engine light on, transmission something is wrong. It has n't been started for 6years. XXXX is {$2000.00} in good condition, so why would I give them {$1200.00}? I do n't understand. They have n't contacted me since my last payment in XXXX, only the spam emails. In XXXX they continue to charge monthly {$200.00} + {$10.00} late fee until XXXX on XXXX they stopped late charges, XXXX, XXXX, XXXX, XXXX, XXXX they charged me anywhere from {$44.00} to {$59.00} a month for five years! I do n't know what that charge is? I do n't know what to do at this point. Ill not give them another XXXX, they wo n't give me the title. I 'm in collections for a write off! The vehicle sits! When I took the loan none of any of this was explained. It seemed like a normal loan, but the balance owing was growing faster then my payments. I have paid them over {$6000.00}. One of the big reasons I quit paying and did n't pay the registration was they told me they were going to repo the vehicle. They never came ... What can I do with the vehicle, I would like to try and fix it because I do n't have a car now. But, if they want to keep the title they need to come get their vehicle. It ca n't sit any longer! I would appreciate any advice you can offer me or help settling this horrible mistake I 've made. I 've documents if you need them. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
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: On XX/XX/2018 I received another alert from XXXX XXXX pulled from TransUnion with derogatory information on a closed account reducing my fico score 30+ points.  XXXX XXXX XXXX XXXX. The creditor has been submitting intentional erroneous information in result of each and every dispute damaging my consumer file. 

The creditor has been monitoring my credit to the point any time their is a positive change since XX/XX/2017 they will update to pull score down through TransUnion. My TransUnion consumer file was 620+ before disputing erroneous information and fraudulent accounts

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 09-08-2017 about Debt collection (Credit card debt) with Northstar Location Services, LLC (WA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XXXX XXXX 2017 I received a letter from Northstar Location Services , LLC, about a debt they were trying to collect in the amount of {$32000.00}. On XX/XX/XXXX I sent them a letter requesting them to, among other things, establish their ownership of the debt, verification of the debt, and information about their authority to collect the debt. This letter was sent via USPS certified mail, and received in their office XX/XX/XXXX.
On XX/XX/XXXX I received a series of account statements, which appeared to be in my name, for a debt I do not recognize. There was no information about their ownership of the debt, their authority to collect the debt, the status of their debt collection license ( if any ), etc. All of this information, and more, had been requested in my original letter, as well as my assertion the debt was disputed. To date, this company has failed to provide any of this information.
They have, however, began to call my elderly mother, and presumably other people, despite the fact they are clearly able to communicate with me via mail, and despite my written request that they do in fact communicate with me by mail. There is no reason for them to be contacting others in an attempt to " locate '' me.
As a result I believe this firm to be in clear violation of the Fair Debt Collection Practices Act. They have failed to verify the debt, their authority to collect this debt, and their ownership thereof. And finally, they are needlessly contacting third-parties to " obtain location information '' when we are already in written correspondence, a tactic which seems closer to harassment of my family than a good-faith effort to find me.
I have attached my written response to their original letter.
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (AZ).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX, I was given Durable Power of Attorney, both financial and medical, for XXXX XXXX XXXX. He has been diagnosed with XXXX XXXX and other illnesses. He has a reverse mortgage on his home with Champion Mortgage. Their contact information is as follows : XXXX XXXX XXXX, XXXX, Texas XXXX. Telephone ; XXXX. I have been trying to be acknowledged by this company since XX/XX/XXXX, with no success. I have sent them my power of attorney and addresses, and they still refuse to send me XXXX 's statements or any information regarding his account. It 's almost XXXX and they continue to tell me they do receive my faxes or it 's in 'process '. Last week his caregiver called with a letter he received that threatened to bill him some {$2400.00} for homeowners insurance, since his has lapsed. This is not true. I have all his accounts current including property tax and homeowners coverage. I have been told his account is in default and they threatened me last week with foreclosure. To date, they refuse to send me his statements. I have talked to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and today, XXXX, supposedly a supervisor. I faxed all my information to him again using two fax companies with a note to please call me with confirmation that he received everything. He still has not called to confirm. I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: i paid in full they said they update to reflect payment as of new update XXXX/XXXX/16 Status : CHARGE-OFF Amount Past Due : {$430.00} Date Reported : XXXX/XXXX/2016 status should be paid in full and amount due 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 03-09-2018 about Debt collection (I do not know) with Trident Asset Management, L.L.C. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Even though Trident Asset Management has admitted that the debt they are trying to collect never was mine, they continue to call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I initially disputed items on my credit report, which came back as verified. I believe that the investigation is questionable.

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