milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-09-2017 about Mortgage (FHA mortgage) with Seterus, Inc. (MI).
Issue: Settlement process and costs

Complaint: i did a modification on my loan and was lied to saying i was getting a % reduced and a term extension. And a few years later when i wanted to sell my house Seterus ( who have a one star rating out of 5 ) they added {$48000.00} to my loan??? They never said anything on the phone about that at all??? And they say i signed for it that way. but, every time i ask them to send me the full contract for my lawyer to look at they do n't? Everybody i talk to that is in mortgage business never NEVER! heard of such thing. and when i get all my statements per via email its shows what i should owe on the house. never shows the amount with the extra {$48000.00}. weird. shows i owe {$100000.00} but when i call them they say i owe {$140000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My credit report is being negatively impacted by a creditor that repeatedly send inquiries regarding a debt that I had disputed and that they neglected to correct ( or offer an explanation ). They also failed to report the dispute to the credit reporting agencies and continue to submit multiple inquiries to the agencies stating the exact erroneous information.
The majority of these inquires either do not reflect any information ( just notes N/A ) or repeats previous information like " account closed ''. In just a 4 week period ( XX/XX/XXXX thru XX/XX/XXXX ) the creditor made XXXX inquiries with one of the credit reporting agencies ( XXXX ) even after they reported the account was closed. 

This tactic is obviously having a negative impact on my overall credit score and appears to be designed to make it look like there are numerous negative activities rather than the single one in question. 

I am requesting that this creditor be compelled to stop this practice and reflect that this debt was disputed and not resolved without providing me with a definitive explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: A false accusation against XXXX has been made by OCWEN in response to Case number : XXXX XXXX XXXX, Ombudsman at OCWEN verbally told me over the phone that the problem I reported in Case number : XXXX was caused by XXXX. I am filing a separate complaint because this is a separate, serious allegation. I called XXXX XXXX, Executive Disputes Dept of XXXX at XXXX and point blank asked her if XXXX did the things OCWEN claimed they did. XXXX XXXX said that the incorrect information that appeared on my credit reports generated from OCWEN, not XXXX. She stated that XXXX did not cause all the other credit bureaus to report the false information which harmed by credit score. XXXX XXXX said that the only time XXXX reports to other credit bureaus is in matters of reporting FRAUD. 
OCWEN has repeatedly ruined my credit score in 2016 and has never taken responsibility, thus I believe they will continue to damage me financially since they are still not taking responsibility for this latest incident. 
I have received a letter from OCWEN that insinuates I am stupid for reporting this matter to the CFPB again. OCWEN maintains they have already responded to the CFPB about this issue. The fact that they are still committing the offense does not seem to trouble OCWEN. It is like someone received a traffic ticket for running a red light and is upset and calling the police officer XXXX for giving them a XXXX, XXXX and XXXX ticket for running the red light again and again. .It 's as if to say : " Officer, you already gave me a ticket '', as if XXXX ticket gives them the right to continue to commit the offense with impunity. 
Ocwen seems to be telling me that they have immunity and can repeat the offense as many times as they want now since the subject has already been addressed. 
OCWEN has also told me on many occasions that my loan will be pulled from all the credit bureaus any time I report them to the Attorney General and the CFPB for removing my loans from the credit bureaus. This is cyclic thinking and it is not logical. 
XXXX XXXX at XXXX XXXX XXXX can also verify that TransUntion did not alter my credit report because of a transmission from XXXX. Ocwen is trying to convince me that XXXX caused the financial harm my family is suffering now and all of 2016 since Ocwen began attacking my home loan which was in excellent standing. 
OCWEN also told the CFPB and the Attorney General that I had failed to get the Keep Your Home California recast document notarized and neglected to mention that after OCWEN took the KYHC {$76000.00} money and posted it to the loan in XX/XX/XXXX, they did n't send me the document that needed to be notarized because they REMOVED MY NAME FROM THE LOAN. Many months late, they sent me the form after putting my name back on the loan but neglected to include an address and a return envelope. OCWEN has exhibited a pattern of blaming others for damaging events that they caused.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I recently transferred my loans from XXXX XXXX to XXXX XXXX in hopes of eventually pursuing public service loan forgiveness. After taking nearly 3 months to complete the transfer, Fed loans have incorrectly counted the amount of qualifying payments towards PSLF that I have made ( they count only 12, while my records show 28 qualifying payments ). I call them to discussed this and spoke with employee ID XXXX who stated that she agreed that it appears that an error has been made on their part, but states that it would take a minimum of 3 MORE months to correct.
I can not understand what about counting payments takes 3 months to do. I understand that these payments must be deemed " qualified '', but this company has already had my records 3 months. Now they want another 3 months. It can not possible take HALF A YEAR to correctly count payments, can it? 

I need to make life-altering decisions over the next few months that might be affected by my faith in this program 's ability to do what they have promised.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: In my credit reports it has me as having multiple identities. My Name is XXXX XXXX but also comes up as XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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: Each credit bureaus are showing different Details on the accounts. There are multiple accounts showing different by each bureau and i sent in a credit report with the highlighted differences and still there was no change i had disputed this accounts multiple times and still no change what is up with you guys it fells like i have to run around every single time over and over and over and i get no ware with you guys.

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 07/14/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Delinquent account

Complaint: Automated calls from " XXXX with Capital One '' calls my home phone excessively all times of the day, claiming that she can offer a solution to my credit problems. 
My XXXX account with them in not delinquent and is current, and has never been late or missed. 
I have called them XXXX to request my number to be removed. 
I am registered on the Do Not Call list. 
Most recent Call history from them:XX/XX/XXXX @ XXXX @ XXXX @ XXXX XXXX @ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Account Service : NavientAccount Name : XXXX XXXXAccount Number : XXXXAfter making on time payments for more than 4 years, this firm refuses to remove cosigners name from my account. Every time after my request to remove cosigners name, they have come up with some other excuse not to remove cosigners name. I have provided all kinds of documents to them, such as, copies of my graduation, pay stubs, XXXX 's, recent tax returns, citizenship papers. All those documents have been ignored. 
My cosigner is XXXX years of age and have no income.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In the last 10 years i 've had a couple of wild things happen to my credit but today I 'm complaining to this extent bc I 've reached my patience threshold. Noticed a tax lien ( lol ) and large collections for some credit cards ... thought maybe it was a mistake and perhaps it was because of a name mix up with the bureaus no.. this is simply what happens when your company is based solely on trying to charge for services instead of focusing on the families that rely heavily on their credit scores. Enough ranting, I did attempt to contact XXXX but no luck and nothing came from disputing directly so I feel like i 'm running out of options. Im attaching some required documents per one of the govt sites i 've been to. thank you for taking the time to hear me go on.

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 05/15/2017 about Debt collection (Other debt) with SUNRISE CREDIT SERVICES, INC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Sunrise credit services has been calling at least 4 times a day for a   XXXX   bill. I asked them repeatedly to stop calling while I 'm at work but they argue that I do n't answer after work but I have set up payment but I ended up not having the money in the account. I would set it up again but they wo n't quit calling me at work. They are also masking the number because I called it back one time a nd it was n't a debt collector at all.

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 08/19/2015 about Debt collection (Medical) with GOLD KEY CREDIT, INC. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no knowledge of any debt that I would owe. I noticed this collection on my credit report from Gold Key Credit INC. I tried to call them to find out about why is this on my report, as far as I know I had no {$400.00} medical debt. I waited on the phone for someone to answer then all the sudden the phone disconnected. If the debt is mine, I have no problem paying it. I just want to verify that it is mine and they wont even answer the phone so I can learn more about this debt. the XXXX is the one listed on the site.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Synerprise Consulting Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from Synerprise consulting services I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Synerprise consulting services in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Mortgage (VA mortgage) with LoanCare, LLC (NM).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX 2014 I became a XXXX American veteran, which granted me a tax exempt status for paying escrow taxes on my mortgage. My mortgage company is LoanCare. I have repeatedly sent them letters ( XXXX to date ) to contact my local tax assessor office and to cease paying tax escrow. To date they have refused to respond, nor have they stopped taxing me. Thus far I have paid hundreds of dollars into tax escrow that I am legally exempt from.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Consumer Loan (Installment loan) with Middlegate Funding LLC (CA).
Issue: Problems when you are unable to pay

Complaint: Middlegate Funding is such a rip off and I would n't suggest anyone go through them because of the pain, harassing you and your broker and saying that I am a thief for borrowing money. They are not registered with XXXX and am going to take action with the FTC. They act all nice and sincere when you first call them, then the moment they wire you the money for a transaction they start changing there ways and treat you like XXXX. Middlegate Funding owners are XXXX XXXX and a person named XXXX, they act like they have XXXX people working for them but in all honesty it 's just them XXXX. They will have you convinced of an interest rate and then all of a sudden after receiving the money they will charge you more interest then indicated. Remember people are borrowing money for a reason, because of numerous financial reasons, so they know you do n't have the power to go after them. If you start negotiating a settlement they will say yes but then say now you owe me more for all other fees they make up. Bunch of scam artists and they claim they work with numerous real estate companies but in reality they have no one! We would love to have more complaints to file a class action lawsuit against them and get other stories from those that borrowed money from them at one pint or another or been through other horrible situations with Middlegate Funding.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had medic al Insurance an d they refused to take down information. I was on public assistance and I had a government issue insurance in  XXXX , PA   XXXX   XXXX    DOB   XX/XX/1971    PA address   XXXX   XXXX   XXXX   XXXX   , PA  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 03-11-2017 about Consumer Loan (Vehicle loan) with American Credit Acceptance, LLC (FL).
Issue: Taking out the loan or lease

Complaint: on XX/XX/XXXX I financed an XXXX from XXXX and XXXX. At that time of the purchase of the XXXX XXXX tells me that after a full year of paying on time I can trade in the XXXX and get into a newer car and lower my Monthly payments I was thinking great that 's exactly what I would like to do to fix my credit. So I did just that, at exactly a year on XX/XX/XXXX. I went back to XXXX so I can trade in the vehicle and get into a newer car and lower payment so I do just that I brought the vehicle, he inspected the vehicle and then tells me he would take my XXXX as a trade in and get me into a XXXX paying XXXX per month I was paying {$590.00} per month for the XXXX. I also notified the lien holder on XX/XX/XXXX that i was in the process of trading in the car and they mentioned that they were going to contact the dealership. I purchased the vehicle from XXXX and signed the contract for the XXXX and left the XXXX in XXXX Possession. Now a year late I pull my credit and the truck was never paid instead he claimed the Truck was inoperable. XXXX had his mechanic Contacted the lien Holder so that he can get the title and had the account charged off as bad debt on my name so that he can receive the title and resell the vehicle. The XXXX was in perfect condition when I dropped it off to him. He took it as trade in after inspecting the vehicle. I just found out that he has resold the vehicle to a XXXX who is the new registered owner. The lien holder does not want to help in this matter. The lien holder should go after the dealership and or after the new register owner of the vehicle. Also the XXXX he sold me was a previous rental from an out of state rental company ( owner ) and both cars where sold to me over the XXXX value. He never stated any of these circumstances with me nor failed to disclose any of the issues in the contract when I purchased the vehicles. Rental vehicle depreciate in value and it a XXXX to sell a previous rental vehicle at XXXX value. XXXX and XXXX Has been convicted of XXXX dealership fraud in XX/XX/XXXX not allowing him to even operate any business yet alone another dealership due to Fraud Judgement against them both. I would like to be reinburst what I have paid out and have the debt deleted from my credit report. I have attached the documents needed also.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
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: filed a complaint numerous times, even though I have frozen my credit reports with the data mining companies including XXXX, this still seems to be reporting on the three main credit reports. Received a letter in XX/XX/XXXX from Equifax in XX/XX/XXXX from the complaint with cfpb stating that they are not reporting which is not the truth I am attaching report from today which still shows chapter XXXX bankruptcy reporting. They have been sent numerous letters asking their method for verification which they have not responded within the alotted time frame. I keep getting the same response verified by XXXX, but in the public records section of the credit report says its verified by the municipal court which is not true because I 've also attached a letter from the courts stating they do not report to the credit bureaus, so how are they verifying that any of this information is accurate or true. I believe this is a violation of the Fair Credit Reporting Act to report false information and claiming to get information from a court when it is actually obtained from a 3rd party and could easily be considered " false information ''

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Debt collection (I do not know) with JH Portfolio Debt Equities, LLC (NC).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: This number calls all times of the day. I answer and they go into this script that I owe them money unable to tell me what for. I ask them not to call back and they continue to do so. I've tried to tell them I do not know anything about this debt and to remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Cash advance

Complaint: 1 - I have been mislead on by Bank of America Credit Card associate when ordered cancellation of my Cash Advance checks. 
2 - At this point all XXXX checks I want to cancel had not been reaching the bank yet. Also, I did not remember the numbers on my checks. The misleading was done after I had ask if I can skip my credit card cancellation and wait for my checks will come to the bank instead. I was hope the bank can cancel these checks after this request. The associate had agreed with this proposition. He not tell me this way bank can not proceed my request. 3 - by the time when my checks reach the bank my request had been denied. 
4 - All my attempt to resolve this situation with Credit Card company was denied. My main branch of Bank of America help me contact to the top manager through their telephone and later to sign up a complain. But Credit Card department did not take responsibility for their misleading instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Mortgage (FHA mortgage) with SUNTRUST BANKS, INC. (TN).
Issue: Settlement process and costs

Complaint: I purchased a house about 5 yrs ago and in doing so I took out an FHA loan at which I was told would protect me in not buying a house with problems, that the FHA loan will make sure everything was on the up & up. Since I been in this house the roof has been leaking as well as the pipes rusted and bad the structure of the house is off. I have had my insurance company look at the house and they wo n't do nothing cause the say it was already there, I feel I was unfairly informed about this house being that I was a first home buyer. I was told differently about this house from the seller when buying.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: There are XXXX accounts listed on both XXXX and Transunion with the wrong information. Both of these accounts have been sold to collections agencies. The first account is XXXX XXXX XXXX that has been sold to XXXX XXXX XXXX. I have called three times, each time on hold for over 30 minutes and no one answers the phone. The number for this collection agency is XXXX. The information on my credit report is incorrect. This account is from 2013 and the balance was not {$680.00}. The credit card only had a maximum of {$200.00}. The second account is for XXXX XXXX. This account was also from 2013 and was less than {$300.00} now it is owned by a collection agency who isnt even listed on my credit report. When i called XXXX XXXX about it, they said it is no longer in their office and has been sold.

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