milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/16/2016 about Debt collection (Credit card) with First Step Group, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A letter was sent to me dated XX/XX/2016 from First Step Group stating that they want to settle on an outstanding debt. There are XXXX issues XXXX the account number they report is XXXX I never had, and to, I have ten years worth of documentation including credit reports that prove that account number does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX/XXXX/2016 From : XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Dear cfpb, I am writing to let you know that a few years ago my wife and I lost our jobs and because of the loss of income we suffered falling behind on our mortgage payments. Because of this we could not attend to any modification and or any program since our companies for work did not have any work for us. We had attempted over and over since then to get a modification or some program recently to start to pay the mortgage because we have our jobs back and between us all at home are making just over {$8000.00} a month. however, penny mac loan servicing has a number of times denied us because they have stated that they can not help us. I have called them many times and every time they give me different excuses as to why the they can not help us. For example, they state that we do n't make enough, then they stated that they did not receive proof of income, then another time stated that they received all the proof of income but there is nothing they can do. They my case to home saver program new jersey housing and mortgage finance agency, where I spent 2 months attempting to get help funds to save our home to be told by them that they denied our application and did not even said why. They had informed penny mac of the denial and stated to me when I called that I could appeal on both ends the home saver program and penny mac. I did just that XX/XX/2016 and never received a response from the home saver program and penny mac told me that whoever I spoke to at penny mac failed to tell me to send them proof of income and that I should send the proof immediately which I did. A week went by and I called them and they told me that the underwriter closed my case because of not sufficient income every month and that I needed over $ XXXX month. I explained to them that collectively my wife, myself and my son are bringing in the home over $ XXXX a month. 
I feel I have been discriminated upon as penny mac did not ever give me a proper instruction to apply for mortgage assistance. I have sent letters and called them desperately seeking assistance. Once again we are making money and have our jobs and willing to start paying a mortgage. We do n't want to lose our home. We want a fair chance at saving our home. They wo n't even tell us the proper steps to a short sale which I have inquired about. I make this complaint because I do n't think it is fair that we are now recovered with respect to having jobs and are not given a chance to keep our home. Thank you. XXXX XXXX XXXX . Loan # XXXX Penny mac loan servicing XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Debt collection (I do not know) with CREDIT BUREAU OF NAPA COUNTY, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This company is refusing to update my account as paid in full and a XXXX balance to my 3 credit reports. This account is paid

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX credit inquiry 8 times in XXXX XXXX XXXX XXXX XXXX 2 times in XXXX 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 10/31/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have called XXXX over and over again, I have never had an account with XXXX in my life. I will not pay for something that is not mines. So they sent it to Diversified consultants and I have disputed this with them also. Funny thing is they took it off every credit report but XXXX. Like I told them send me something with my signature on it to prove that it was me then we can go from there. Nobody has provided me with anything. the spelling on the bill is XXXX which is not my name. So if I went into an office then they would have my right name and the spelling correct.I am not paying someone else bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/19/2017 about Debt collection (I do not know) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I received a phone call from this company on XXXX and I asked for a validation of debt letter, they claim to have sent it out on XXXX, which I have not seen. Now on XXXX, they proceeded to call my employer. Someone answered the phone at my work place and transferred the call to me. I answered and repeatedly said hello, hello. I then took my cell phone out, excused myself outside in the hallway and called the number that was calling me. XXXX and spoke with a lady, she told me she was calling about a debt and I told her I have no knowledge of the debt. I immediately told her to please remove my employers number from there listing as they are not allowed to call my employer. She totally ignored me and continued talking about the debt, I then told her, I requested that they send me a validation letter and I have yet to see it. She said they mailed it out and I said I have not received anything and will they either re-send it out, and I even offered to give them my email address for faster delivery. she refused, but said they would be send out another letter. We discontinued the conversation. I thought about it and immediately redialed her number and to make sure that she understood they are not allowed to call my employer. She proceeded to tell me they would be calling wherever the XXXX they wanted until they get this resolved. I then said, well I know the law and I know my rights and I am asking you to please remove my employers numbers and not to call here as they will make me lose my job, she screamed at me and said well if you know the XXXX law well put it in writing. I came back to my desk and researched the number on google and nothing came up. I then called back and asked what was the name of the collection agency and they responded XXXX. I asked for the address and they hung up in my face.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Debt collection (Medical debt) with Medical Data Systems, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Medical Data Systems has been reporting a collection that they allegedly opened on XX/XX/16 for Wellstar for {$150.00}, but XXXX   does not have any record of a visit or a debt owed. The false reporting to all 3 credit bureaus has had a very negative affect on my credit rating, and I would like it removed. XXXX has confirmed that they have no record of this debt, and that Medical Data Systems is reporting falsified information to the credit bureaus.

My Guarantor ID with XXXX   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 09-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Information on my report do not belongs to me. Please remove

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 01/20/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (KS).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: My Interest is very high for this loan. It just seems that I was misled and not properly educated on the interest rates of this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Credit card () with PAYPAL HOLDINGS INC. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Upon inspecting my XXXX Credit Report for Hard Inquiries, I found several items that I had never applied for, in this order : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ). 

I never authorized these companies to pull my credit information, and have never filled out any forms or applied for any of their credit services, yet they have all made hard inquiries on my credit report. 

I 'm not sure if they are someone else 's accounts and being reported on mine, as my credit reports do not indicate that I have accounts with these businesses ; only that they are making hard inquiries on my credit report without my permission and damaging my score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 'm a victim of identity theft and someone took my information and try opening up lots of accounts in my name. XXXX XXXX XXXX I have XXXX account with XXXX XXXX that I apply for on XXXX/XXXX/XXXX and I still have that account, next there 's XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX I never apply for any account with this company.

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 07/20/2015 about Mortgage (FHA mortgage) with SUNTRUST BANKS, INC. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I am concerned that the payments that I 'm making are n't being applied to my loan appropriately. I have just come out of a bankruptcy that was dismissed in XX/XX/2015 and I 'm no longer attached to the debt. However during the bankruptcy i 'm told I was charged late fees, I was billed for a corporate advance fee ( to have a sun trust rep come out and look at the home ) I ca n't confirm that any of this took place. There were no documents to sign, no appointments. While in the bankruptcy I was denied a plan ... when I sent notice to the my bankruptcy atty and copied documents from the office of attorney general for fraudulent acts by lenders.. I received an approval for assistance thru the loss mitigation stating they would allow me a XXXX repayment plan. I was denied forbearance because I was n't unemployed. The regular collections dept would not set up a payment arrangement with me on the XXXX balance set up by someone within SunTrust but there is no way I owe XXXX. It 's the fees they 've attached and the billed me for the months I had already paid .So why include that in a payment plan. No one has a consistent balance. I have correspondence showing that I only owe XXXX but actually less because I had made a payment after the balance was given. so it 's one month behind with XXXX late fee charge. The lender will not look at the suspense and calculate. Nor do I believe they are thoroughly appropriating the Preservation process. XXXX department does n't know what the other is doing. I believe the process should be done by a third party because it 's not seeming to balance out. I have never been XXXX behind on my mortgage and never 3 months behind. I have contacted HUD and the Attorney Generals Office again. Please help me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-10-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Late fee

Complaint: Dear Representative, First, I have been charged three late fee payments when my account has had automatic payments from my checking account for many many many years, and no one from CapitalOne has contacted me regarding this matter. 

Second, the current charges outstanding in the account were disputed as the card was lost, a dispute was filed for those charges on the phone, and a paper dispute was sent by me via USPS mail as requested by the card company. 

Third, the account was closed without contacting me and without giving me a reason. 

Lastly, negative information has been reported in regards to the issues mentioned above to the credit reporting agencies, affecting my credit information due to this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Mortgage (Conventional home mortgage) with U.S. BANCORP (WI).
Issue: Unable to get your credit report or credit score

Complaint: To whom it my concern : My husband and I had a bankruptcy on XX/XX/XXXX, our home was not in the bankruptcy it was to be reaffirm, either the bank got the reaffirm or did n't I keep trying to get our credit for the mortgage and US bank keeps tell me its the credit report that is not recorded. I had to go bankrupt because my husband was unemployed and I could n't keep up on the payments. So we went bankrupt. So we had problems with mortgage payments, so US Bank help use by getting with a Home Affordable Modification Program, but they did n't tell us it was a 54 year mortgage. When we sigh the mortgage we thought it was for 30 years. My last mortgage account number that shows up on my credit report is from XX/XX/XXXXaccount number XXXX, now we have a new mortgage number which is XXXX that started on XX/XX/XXXX. So it 's a new mortgage so why is n't it getting reported to the credit report. We want to know why it does n't get reported. I need help to fined out why they wo n't reported, I have not missed a payment we pay our taxes, and Insurance with the payments. I have sent a letter to, US Bank XXXX XXXX default Management XX/XX/XXXX, on XX/XX/XXXX, Credit Bureau Dispute. I have called the XXXX on XX/XX/XXXX to see if it was them but they looked into it and it was US Bank XXXX XXXX XXXX XXXX XXXX, XXXX, KY 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 09/27/2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (MI).
Issue: Struggling to pay mortgage

Complaint: I have been trying to apply for a loan modification for 3 years now when my husband was injured at work and I was having trouble keeping up with the bills on my own. we 've had to send in same paperwork numerous times and either they do n't get it ( even though someone signs for it ) or something is always wrong with it. I hired a 3rd party company ( XXXX XXXX ) to try and help with Ocwen. It i going on year that I have been dealing with them and nothing seems to help. Same thing with them Ocwen either loses paperwork or they say they did not get even when someone signs for the delivery. Its always something. They tell me Ive been approved and send the papers I need to sign ( 6 times ). Every time I sign and send in something is wrong, either they did n't get or notary does n't acknowledge my signature which my name is not on the loan. The notary does n't even understand what they mean. I 've had to have the same paper notarized 6 time. Then they say everything went through and expect finalization papers and instead I get default letters. I have been making my payments as per agreement. They input my payment a late. I ask what the issue is an again they say something to do with paperwork. I try to make my next payment and they refuse it and send it back to me saying its not enough to reinstate. and threaten foreclosure. I think I get everything straightened out and back to default. It just keeps going round and round. And now I get a letter that my home is going into a sheriff sale on XXXX,2017. My home was never put into the foreclosure process. I get 1 letter saying that I am only {$2200.00} behind and next letter is {$4000.00}. Almost all of this is due to their negligence. How can they put my home in sheriff sale so soon and not go through the foreclosure process and with only the small amount owed. I have contacted the attorney general, the office of insurance and financing and my congressman and nothing or no one can seem to help with this company and their wrong doing. How can a company that has had so many billions of dollars in lawsuits for the same things be allowed to continue to do business. I do have an appointment with a lawyer tomorrow to see what my options are. There is more to my complaint but to much to list on here. can someone please help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (AZ).
Issue: Deposits and withdrawals

Complaint: I got hired on with a new company and had to set-up my direct deposit. I went down to the nearest Chase bank and asked for my account number and my routing number. They printed it off with no issues. I then took it and turned it into my new employer. Here comes Friday, ( payday ) and the money still has n't hit my account. I called my employer and they said they sent it out for payment early on friday, which I should have my money into my account by XXXX or latest by XXXX Friday morning. My employer went through and double checked that the account number and routing number were the same as the form Chase had printed out. They said it matched up. So then I called Chase customer service and they said the bank gave me the wrong routing number and that they could n't do anything for me because the money has n't gone through yet. So I talked to a Manger because this is XXXX seeing how I got it from a Chase bank. I explained everything to her and she still said she could n't do anything about it. So my money is gone somewhere and I still have nothing. Chase is using every excuse in the book and not offering any fixes to this mess up that THEY did, not I.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NC).
Issue: Loan modification,collection,foreclosure

Complaint: It started with IndyMac switching are mortgage to Ocwen without giving me any notice. I was in the process of modifying my mortgage with Indymac. I had to start over with the modification process with Ocwen and its going on 3 years due to a reduction in my income. I sent in all the required documents by fax and email. When time to discuss my information they always reply '' we do not have your documents ''. When I send my documents I send them repeatedly. I received a house evalution on my property which is not accurate causing me to continue to pay PMI. My LTV is more than XXXX % and I should be paying PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was made aware of a debt owed when I checked my credit report back in XXXX. 

I have called and worked with this company to try and get paperwork together to clear this debt up. 

On XX/XX/XXXX, I contacted the debt collector and asked if we could come to an agreement on my {$2700.00} debt. The debt is for my daughter, so my ex-husband ( her father ) is also responsible. I was told that I would be given a 20 % discount, making the amount owed {$2100.00}. I told the person that I would send a check the next day for {$1000.00} to cover my half of my debt if it meant my portion of the debt would be paid in full, and that would be reflected on my credit report. The person I spoke to said " We can do that '' and I sent in my check the same day. 

The check was deposited and it was reflected on my account on XXXX XXXX. 

When I checked my credit report on XX/XX/XXXX, it showed that I still owed {$1600.00} of a {$2700.00} debt. 

I emailed the company through their website on XX/XX/XXXX, asking why the amount was incorrectly shown on my credit report. No response from the company. 

I called the company on XXXXXX/XX/XXXX I spoke to a supervisor named XXXX who said " We ca n't do that '' and informed me I was still responsible for the debt! He said he was going to listen to the audio recordings. I asked him when the recordings showed I was telling the truth if they would honor the agreement I made with the company, and he refused to answer me.

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Through XXXX, I have been alerted that my personal identifying information has been obtained through the recent Equifax hack XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (LA).
Issue: Loan modification,collection,foreclosure

Complaint: Reference # XXXX Since my original complaint, my existing short sale has reused to offer $ XXXX and as of now has yet to offer his original offer of {$50000.00} and proof of funds. 
I have exhausted myself trying to find available housing because of Louisiana being declared a " DISASTER AREA '' being flooded in so many parishes and no immediate solution for housing. 
I applied for a reverse Mortgage to keep my house as is since I am XXXX and going to be XXXX on XXXX XXXX of this year and you only need to be XXXX years of age. 
I have been pre-accepted if I can refinance XXXX XXXX with a Reverse Mortgage that I have been approved for. 
I must get Ocwen 's acceptance and I am in the process of getting an approval letter from the Bankruptcy Court. 
I am working with XXXX in order to receive protection and in order to insure that the refinance is approved. 
Please let me know, I pray that Ocwen allows me to refinance XXXX XXXX for {$56000.00} as any XXXX off the street can do and stay in my residence until my death. 
I see it as a WIN WIN since I am ill and otherwise will be homeless after my family has XXXX years of equity in this family home. 
This is only acceptable if Ocwen agrees to allow me to refinance my home at XXXX XXXX and accept {$56000.00} as payment in full " As is Where is ''. 
I await your response. 
Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation