milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-06-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan Serving XXXX I first reinstated my loan with this company by paying a reinstatement payment, while filing bankruptcy, was making agreed payments each month, became XXXX, XXXX thing lead to another, but I paid the reinstatement before any finalization of the bankruptcy, in XX/XX/2016 I paid Ocwen in full and have the letter as proof XXXX, XXXX + but they refuse to report that I paid this house off to the credit bureau 's and the XXXX credit bureau 's are not helping me even after sending in the copies of all paperwork and receipts of paying this house off. I feel as if I am being mistreated unfairly and not given my correct credit scores and ratings because of this, I did the right thing by trying to correct my mistake of my financial mistake, but by doing so I am getting the bad end if they can not report the correct information and say they got there monies for this property I would like my monies back so I can go purchase a home for me and my child. or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (OR).
Issue: Account opening, closing, or management

Complaint: Chase Cardmember Services XXXX XXXX XXXX XXXX, XXXX XXXX RE : XXXX XXXX XXXX XXXX To whom ever ; I am a XXXX veteran and I am very upset with the practices of your bank. 
XX/XX/XXXX I was in a branch in XXXX XXXX and a bank individual mentioned to me that they had a credit card that you could transfer my balance into that card with a 15 month no interest offer. I told that individual at that time that the only way I would be interested in doing anything was, with the stipulation that they would transfer the balance on my other card.. That was the bait ... The switch came when they only transferred less than {$2000.00} ... which was not what I agreed upon. This has now caused my credit rating to drop almost XXXX points. 
At this point I am left with no other option to seek an appeal on your part before I file a small claims court action for the grief and the bait and switch tactics used plus damages to my credit, and before I cancel both my accounts. As I have already closed the credit card immediately after I received it.. 
In short, I would like you to expunge the credit card application from my records and notify the proper credit reporting agency that the report you supplied was due to your error. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Credit reporting () with General Information Services, Inc (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On my background check report it states that I have a XXXX misdemeanor however, I have never been arrested in my life. This is inaccurate information and I am the victim of identity theft.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I am writing to dispute an address on my record. I have never lived at this address:XXXX XXXX XXXX XXXX XXXX, MA XXXX. 
I have written to the XXXX credit reporting companies in the past to remove this address, as I have never lived there, but it still remains on my record. I am writing to request its removal once again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (NC).
Issue: Shopping for a loan or lease

Complaint: CHASE AUTO MADE XXXX HARD INQUIRES ON MY CREDIT REPORT AND I WAS TOLD THAT THEY WOULD BE REMOVED BECAUSE IT WAS DONE IN ERROR AND SO FAIR THE HARD INQUIRES ARE STILL THERE HURTING MY CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-12-2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I saw my credit bureau and saw negative credit reporting by SWC reference #  XXXX . I calle d SWC SouthWest Credi  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TX XXXX  Phone #  XXXX  and asked the agent for legal proof of notifying me of the collections but he did not provide any cerified mail proof of any notification sent to me about this account or collections.   I will report  XXXX  and  SWC  for illegal credit reporting practices and also to the BBB I calle d SWC today dema nding for proof of notification, the agent was very dismissive and put me on a long hold when asked to speak to his Supervisor Please have  XXXX   XXXX  and SWC Remove my account from collections as I had no knowledge of this collection item until I saw a negative credit reporting on my credit bureau accounts on  XXXX  Sincerely,  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Credit card () with CITIBANK, N.A. (GA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have had a fraudulent charge on my account, that the credit card company is refusing to remove from my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-05-2015 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (CA).
Issue: Problems when you are unable to pay

Complaint: I was contacted by Westlake Financial Services in XXXX, XXXX for an Amendment To Retail Installment Contract agreement. The terms were accepted in XXXX XXXX, XXXX. I keep my part of the agreement and made all of the payments. But Westlake never issued an Cerificate of Title for my XXXX XXXX Focus XXXX XXXX Sedan XXXX. The last payment was made in XXXX of XXXX and the payment was accepted. I received a notice from Westlake Financial Services in XXXX stating that I owed them {$2300.00} for the balance of the loan. I spoke with a XXXX XXXX XXXX a manager of Westlake Financial Services asking him why did I owe this money when I honored the Amendment Installment Contract, and XXXX XXXX XXXX pretended like he did n't know what I was talking about regarding the installment contract. So I made several attempts to find out why Westlake Financial would not honor the hardship contract. I tried to explain to XXXX XXXX that I was a consumer and there must be a mistake with the balance of the loan. He pretended that he never knew anything about the hardship agreement and I must pay the balance of {$2300.00}. I mentioned to XXXX XXXX that Westlake Financial Services was not honoring the agreement and he would no loner speak with me about it and demanded that I pay the balance of the loan and I tried to explain to XXXX XXXX that Westlake Financial Services received the last payment of the Amendment Agreement and I should have received something in the mail before XXXX of XXXX stated why they will not send me a certificate of title. I never heard from Westlake Financial Services until XXXX of XXXX, but the last payment was make in XXXX of XXXX. I have suffered a great amount of financial hardship due to not having any transportation and I 'm still out of a car. My credit report has a repossession on it and I ca n't qualify for a car. I invested more that {$12000.00} in the XXXX XXXX and now I 'm out of a car and my credit is worse. Westlake Financial Services has many consumer complaints due to their unscrupulous company practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Credit reporting () with SCHOOLSFIRST FEDERAL CREDIT UNION (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Information that is being reported is not mines. This account was not verified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have applied for XXXX loan forgiveness numerous times, and was given unclear reasons for denial. Now, the most recent re-submitted application is past the 60-day review window and still has not been reviewed or forwarded to the DOE. I was told when I called in XXXX that the application would be forwarded by XXXX I was told on XXXX that it had not even been reviewed yet.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Debt collection (Other debt) with BYL Collection Services (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: We have been contacting the debt collector BYL services for a week trying to pay off a debt. They are mishandling our payments. They asked for card information then said there was a system error. Then they took our bank account information and said it will process in 10 minutes we called 2 hours later then they said well it did n't go through so we need your card information again. This is very frustrating because we are actually trying to pay off debt and move into our apartment but we are depending on this collection company who keeps giving us misleading information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Debt collection (I do not know) with Receivables Performance Management, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Continuous calls. Say searching for me. will contact family employers friends etc.to full extent of law. Do not identify debt. No paperwork or notification within 5 days. Of first call.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 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 contacted Experian over the telephone to discuss an item which was on my credit report.The item in question is State of Michigan Office Child Support, I originally talked to one of their customer service reps about this item and they had stated that this item was placed on my credit report due to lack of payment which I am not disputing I was sick I had XXXX and I did not pay for two to three months this was XX/XX/XXXX.How could this still be on my credit report. When I viewed my credit report it states that the payments begin becoming late XX/XX/XXXX and XX/XX/XXXX that is incorrect I have paycheck stubs to prove that during this time they garnished my wages for the amount due for the weekly child support.So in fact if it is XX/XX/XXXX it has been on my credit report for over 12 years which I can prove and it should be deleted immediately.

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 01/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I experienced a financial windfall after my first year of college, and wanted to repay the unsubsidised federal loan that I had taken out, before it started accruing interest. When I went to the student aid website, I learned that my loan was handled by a loan servicer, and that I could n't make payments directly, but I had no way of knowing what company that servicer was, or how to begin repayment. Navient, my student loan servicer, sent me a letter of introduction over 6 months later, and informed me I had already accrued over {$250.00} interest on my loan - even though I had no way to pay it back before they contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Credit card () with JPMORGAN CHASE & CO. (MD).
Issue: Billing disputes

Complaint: I disputed a charge for {$1900.00} in XX/XX/XXXX. I went through the proper channels with Chase and received a credit. The vendor then charged me {$1900.00} again two days later, and I disputed that charge as well. I waited two billing cycles, and received assurance that the disputes were ruled in my favor. The vendor then charged my credit card for {$1900.00} again. I went through the dispute process again, received a credit again, and again was told the dispute was ruled in my favor. The charge for {$1900.00} then reappeared again in XX/XX/XXXX and Chase told me they needed 30 more days to research the situation and I 'd receive notice in the mail. Since that time, my contact at the Chase executive office has stopped returning my calls and I have n't received anything in the mail. The charge for {$1900.00} is still on my credit card and no one at Chase can explain to me why it reappeared. It 's now been over 5 months since I disputed the original charge, which I believe is in violation of the Fair Credit Billing Act.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-08-2015 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (MN).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have requested my Chex System report twice, once several months ago. They are yet to send it to me. I was recently denied an account my XXXX XXXX XXXX based on information they provided.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Debt collection (Other debt) with CITIBANK, N.A. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX was sold an account from XXXX XXXX sold an Account number XXXX that allegedly belonged to me with a amount due of {$3400.00}. I am requesting for XXXX XXXX to provide me with a copy of the original contract, which bears my signature, for the aforementioned account.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Debt collection (Credit card debt) with Dynamic Recovery Solutions, LLC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have two collection accounts with XXXX XXXX XXXX, XXXX, however I got a letter from XXXX XXXX XXXX XXXX ( for one of the accounts ) requesting payment for it. I 've recently called XXXX XXXX, XXXX to have them verify it but they said they had no record of it and to contact XXXX. 
I contacted XXXX both online and over the phone. Their website and woman I spoke with said that they could n't collect payment and I 'd have to talk to XXXX ( she gave me their number and website ). 
I do n't understand, I was never contacted about the change in companies, and it still is showing XXXX XXXX owns the debt on my report. However this is not the case and they wo n't take payment ... 
Can more than one company own the debt? And am I not supposed to be notified of the change? I have no contract with any of these companies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/22/2016 about Bank account or service (Other bank product/service) with SUNTRUST BANKS, INC. (NC).
Issue: Account opening, closing, or management

Complaint: I have an XXXX Equity Line loan with SunTrust Bank. For more than two years now, I have begun to make more than the required payment ( additional payment toward the principal ) every month. SunTrust has been unwilling to provide a statement or history of my payment since I have begun to make the additional payments. I have called several times and requested a balance and payment history other than what was being sent to me monthly of which I believe the balance is incorrect and the extra payments have not been applied appropriately. SunTrust has indicated to me that it is against their policy to release payment history other than what was available online, and what is available online is inaccurate and incorrect. The loan department has refused to send me this record and unwilling to show how my additional payments are being applied. This is quite unfair to consumers not to be able to see or request a payment history. I believe something is wrong with this picture and I am demanding a full payment history of my equity loan account with SunTrust bank. This practice is very common with SunTrust. I have shut all my accounts down with SunTrust because of their lack of transparency and the mistreatment of consumers. The consumer is at the mercy of this bank.

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 03/31/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: On XXXX XXXX I originally called to make a payment and while speaking with the Navient representative she gave me advice on lowering my private XXXX XXXX, not " Navient '' loans. She stated I can have them sent to be processed at interest only for 2 years taking my payment from {$650.00} to {$540.00} ( Interest only ) per month. To get started I needed to pay for a 3 month forbearance so I would n't have to make any payments until the " interest only '' request was complete in about 30 business days. According to the advocate the forbearance was also needed to protect me from accruing any late fees while the request was being processed. I concurred and paid {$150.00} for the 3 month forbearance ( XXXX-XX/XX/XXXX ) on my XXXX ( $ XXXX/loan ) private loans. The XXXX XXXX representative read me my terms and agreement stating I will have a 3 month forbearance covering XXXX then my new payments of {$540.00} will start. I thanked the caller and ended the call. On XXXX the XXXX I called XXXX XXXX to check the status of my " interest only '' request because I had n't received anything via mail updating me. I was then told, my request was denied because the loans have to be in the first 5 years of repayment and I was over those years because the loans were taken out in years XX/XX/XXXX-XX/XX/XXXX. I was also informed that my Private loans were past due. When I ask for the reason why they were past due, I was told my account was only processed for 1 month forbearance. I explained to the representative of the information I was given by the last representative who took my {$150.00} payment for 3 month forbearance and read me the terms and agreement. I was told, " Ma'am, you are only offered 12 consecutive months to do forbearance and you only had one month left. We ca n't give you what you do n't have. '' I ask the rep how I was supposed to know this information. I explained the reason for me calling Navient and speaking with was rep was to get assistance and I had confident I was being told accurate information. All I was repeatedly told was " I apologize, but we ca n't give you what you do n't have. I spoke with a supervisor who kept giving me the same information. '' I ask to file a complaint, so the supervisor promised me a call back within the next 7-14 business days once she filed my complaint. As of today, I still have not gotten a return call nor has my account been adjusted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-12-2017 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (VA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Hello XXXX XXXX, It has been over 4 months since I replied to your email request for my phone number. This is the same treatment I received previously from PNC Mortgages XXXX XXXX. Excuses of not receiving phone calls, emails and most shockingly documents. I am astounded how PNC is able to stay in business if this treatment is standard behavior. The financial devastation caused by PNC keeping me on the hook for over 16 months with the promise of a first mortgage in order to continue to cover my Moms caregivers costs on a fully collateralized loan has not gone away. I did everything that was asked of me, creation of documents, all the documentation required for a first mortgage sometimes twice because documents were mysteriously disappearing or I was told they were never received and two appraisals within a 12 month period. The unethical practice by PNC has financially compromised two lives. The professionally responsible action on PNCs part would have been to answer my many questions regarding PNCs ability to close on a loan. But no, I was continually assured that PNC was going close on the loan. Had Id been treated with respect and honesty I would have made arrangements sooner to move my Mom to an XXXX XXXX not incurring expensive 24/7 at XXXX XXXX costs waiting for a loan that PNC never intended to close. How do you people look yourselves in the mirror each morning. I cant be the only customer this has happened to. The only fair action on PNCs part at this time would be to pay {$250000.00}. to cover debut costs, appraisal costs and lost wages. <P/>I look forward to hearing back from you. <P/>XXXX XXXX XXXX cc : Consumer Financial Protection Bureau case # 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 monetary relief
Consumer complaint received 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XX/XX/XXXX, I leased a brand new XXXX through XXXX credit company. In XX/XX/XXXXI paid my payment a little late and they applied it to the XX/XX/XXXXpayment early. The next payment I made was applied to the XX/XX/XXXX payment, the next to XX/XX/XXXX, etc. So basically my account ended up showing FIVE months late because they never applied my payments to that XX/XX/XXXX bill. I was NEVER notified that my account was showing anything but current. In XX/XX/XXXX the vehicle was totaled and paid off completely by insurance. We 've disputed this with them on several occasions and have been given the run-around every single time. Getting them on the phone is almost impossible and only one person ( out of the about 20 we 've spoken to ) spoke English, so it 's very hard to get anything done. They are a horrible company to work with and do n't care that they made a mistake and have made zero effort to fix it. XXXX and XXXX have removed it but it is still showing on Experian despite the fact that we 've disputed it several times.

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