milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/19/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The XXXX XXXX used my social security number without my permission. This is Identity Theft-Fraud. They claim it was an " accident ''. No way. I wrote the credit reporting agys. to be told " if I wanted a credit report, fill out their form ''. I had to stop a mortgage process and needed to stay in a higher cost lease. I went to small claims for the lease amount it cost me to stay where I live, only to be told this was " out of their hands ''. This company knows exactly what it did and what it was attempting. Please help me get justice. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (MI).
Issue: Trouble during payment process

Complaint: I am currently paying my mortgage payment to Ocwen Loan Servicing LLC. On XXXX-2017 I mailed a payment in the amount of {$730.00}. They received it on XXXX-2017 which was a day before a late payment was to be assessed. In the meantime, I was in the process of trying to refinance with XXXX XXXX for a lower rate. Unfortunately, it was denied because of two late payments in 12 months. Today I received a letter from Ocwen, 16 days later stating the payment was returned unpaid twice due to insufficient funds. This is not true! I checked my account on-line and there was no indication that the check was ever submitted for payment. After I could n't find any information relative to the check, I contacted my bank and was told they did not submit the check at all! There is not a insufficient fund of {$35.00} reflecting in my account and they are lying about submitting the check. Now Ocwen is attempting to apply a late fee as well a late payment reflecting negatively on my account. When I called I got absolutely no where with the Customer service representative and to add fuel to the fire, I am currently enrolled in the HAMP program and this is the 6th year in which {$5000.00} is to be deducted from my principal balance ( ONLY IF I AM CURRENT ). I am so disappointed with them I am afraid to send XX/XX/XXXX payment because they have manipulated XX/XX/XXXX payment. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Debt collection (Credit card debt) with Synovus Bank (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This  2nd d ispute is explained in detailed with all of my attachments.     This the companies first and only response. They did not address me personally through phone, email or mail contact. I tried many attempts to pay the {$62.00} debt but upon contact the number listed I never received feed back.     First Progress Card  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX , PA  XXXX   XXXX   XXXX   XXXX ,  2016  Consumer Financial Protection Bureau u Re  :  XXXX   XXXX   ( c ase number  XXXX  )    XXXX   XXXX     ( First Progress ) is writing in response to your letter   addressed to Synovus Bank k ( Synovus ) , regarding the above referenced complaint.  Synovus i ssues secured credit cards backed by a cash security deposit ( Card  ( s ) ). First Progress is the program manager and provides customer service for the Cards. First Progress worked with Synovus Bank to prepare this response as part of Synovus standard oversight of First Progress. Synovus  has been provided with a copy of this response.  XXXX   XXXX  requests that the negative credit history reported on her accounts be removed from the credit reporting agencies files.       According to our records, this account was opened  XXXX   XXXX ,  2016 purs uant to  XXXX   XXXX  online application. The last payment, {$65.00}, was received on  XXXX   XXXX ,    2016 a nd posted to the account the same day.  XXXX   XXXX  called our Customer Service department on  XXXX   XXXX ,    2016, at  which time she explained that she had lost her previous job, but recently began working again and intended to bring the account current. She did not request that her account be closed. The account therefore remained open until  XXXX   XXXX ,    2016, b y which time additional late payment fees and interest had accumulated in the absence of any payment. The security deposit of {$500.00} was credited to the account on  XXXX   XXXX ,  2016.        As  XXXX   XXXX  did not use the card after the  XXXX   XXXX  call, and in light of her difficulties as described in the complaint, we have waived all of the late fees and finance charges assessed since  XXXX   XXXX , a total of {$120.00}. A balance does remain past due on the account, however as a result of a gas purchase  ( gas purchases may  exceed the available credit limit because the amount of the purchase can not be determined prior to approval and is posted later by the merchant ) and for fees and charges which accrued prior to  XXXX   XXXX .       As of today, we have reviewed  XXXX   XXXX  accounts, and the information reported does not reflect a bank error. We are therefore unable to fulfill her request for an amendment to her credit files.       Please contact me at the address above if there are any further issues with regard to this complaint.       Sincerely,  XXXX   XXXX   Vice President

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/14/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: A " Pre-Legal Notification '' was received from company concerning a debt allegedly owed by claimant. On XXXX/XXXX/2015 claimant sent a certified w/ return receipt letter to the company at the address on their notice requesting verification of the debt. The return receipt was stamped ( not signed ) by " XXXX XXXX '' and returned. The original certified mail and return receipts are in claimant 's possession and can be presented upon request. 

On XXXX/XXXX/2015 claimant received another " Pre-Legal Notification '' from the same company, from a different address in the same city, with no verification of the debt claimed. Company therefore failed to suspend collection activities in order to verify the debt in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Debt collection (Credit card debt) with Alliance Data Card Services (OH).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Comenity Bank called my parents home X/XX/17 and gave information to my father as to what the call was concerning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-07-2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NC).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: I sent a dispute letter in XX/XX/XXXX requesting them to send all future communications via mail. I advised them any attempt to call me would be considered harassment. 
They sent me a letter dated XX/XX/XXXX in response to my dispute, and advising me that they completed the investigation. 
I received a call on XX/XX/XXXX @ XXXX XXXX requesting payment on this account. I asked the caller if she received my dispute letter, she said no, which is false. I also advised that I had proof they received the letter and that I had asked that all correspondence be sent via mail. The caller hung up on me. 

The letter I sent also asked for a 30 day period to investigate this information, during which all collection activity must cease and desist. This constitutes harrasment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: On XX/XX/XXXX, I filed a complaint with you regarding the PIONEER CREDIT RECOVERY, INC. due to their inappropriate behavior towards me when my account was sent to them by NAVIENT SERVICING. I contacted PIONEER, as you recommended, but they were persistent in trying to get me to commit to a " repayment '' plan. Again, I insisted their involvement was in error, and that I would not make any commitment with them. I also told them I had been attempting to get in contact with NAVIENT, but could not reach a person to talk with directly. The PIONEER representative gave me a " direct line '' phone number that actually was the same as the one I had been using. I even attempted to contact NAVIENT online, but my password was not accepted. 
Since then, I have attempted to get in touch with NAVIENT in order to straighten out this matter. I immediately contacted NAVIENT, again, after receiving your " resolution '' regarding PIONEER, in XX/XX/XXXX. As I stated before, my account should have never been sent to PIONEER, in the first place. In XX/XX/XXXX, I had made payments to NAVIENT totaling XXXX ( {$1200.00} ). On XX/XX/XXXX, I finally received a response to my fax from NAVIENT regarding this, however THEIR accounting of my payments were, also in error. 
According to PIONEER 's correspondence, they said I had gone in default in XX/XX/XXXX, which is also not correct. I contacted my bank, and requested statements since XX/XX/XXXX. My statements further indicate I had been making payments to XXXX, and then NAVIENT. At the time, I was also under a DEFERMENT, but wanted to make a " good faith '' payment, anyway. 
The latest communication I have received is from PIONEER, again. They have " threatened '' to garnish my salary! Once again, I have FAXED twice to NAVIENT to attempt some sort of resolution with them. Again, my account should NOT have been sent to PIONEER, and I want to make an accurate accounting regarding past payments, and resolutions with NAVIENT that do not include PIONEER. 
Succinctly : 1. I want the " harassment '' to cease from PIONEER. 
2. I want to speak DIRECTLY with NAVIENT regarding the accounting of previous payments since XX/XX/XXXX. 
3. I am willing to make/continue making payments to NAVIENT once this matter is resolved ( my payments of {$200.00} each, were sent back to my bank when NAVIENT claimed no record of my account with them ). 
All of this is extremely disturbing. I would appreciate your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with U.S. BANCORP (NC).
Issue: Loan servicing, payments, escrow account

Complaint: At first we were thinking of refinancing our home, but then read about this other option of recasting ( or re-amortizing ) the existing loan with US Bank. The process was straightforward ; we just needed to pay at least 10 percent of the existing loan plus a {$250.00} fee and the bank would reamortize the loan with lower monthly payments. I called the bank to make sure of this and was given an estimated new monthly mortgage payment of approximately {$550.00} per month less that we pay now. We sent the money with the notarized form plus the {$250.00} fee, and I noticed online that the balance of the loan had dropped as expected, but I had received no information as to the new monthly payment amount. I sent a request to the bank through their online messaging system, but received no reply after several days, so I followed up with two more requests. Still nothing. I finally called them last Saturday, to speak to their customer representative, and he told me two strange things ( 1 ) my escrow account was deficient $ XXXX dollars, ( 2 ) and then he read me my new re-amortized payment amount which was XXXX dollars per month lower. My calculations showed this new amount should be approximately {$550.00} lower, which was the reason I embarked on the recast process in the first place. Also I have received nothing in writing ever on this escrow shortfall. I am very worried.

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 02/24/2017 about Credit reporting () with AES/PHEAA (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This is my 5th attempt to get this information corrected. Please help me!!!!! It is an obvious reporting error based on the documentation from THEIR OWN COMPANY. I 've included the copy of the credit report as well as the deferment verification letter that the company provided me with. 
The reporting errors listed below are : XX/XX/XXXX-90 in XX/XX/XXXX and 120 in XX/XX/XXXX/my loans were deferred from XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX 90 and 120/My loans were deferred from XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX for 90 days/ my loan was deferred from XX/XX/XXXX-XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (MD).
Issue: Money was not available when promised

Complaint: I sent a wire of XXXX to my coinbase account and it was supposed to be credited within 1-2 business days. I am on the fourth business day and it 's still not credited. I followed the instructions fully.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Credit card () with SYNCHRONY FINANCIAL (AZ).
Issue: Billing disputes

Complaint: We are being charged for things on our account but no one can tell us where they are coming from, the balance we had on the card was XXXX as of XXXX XXXX 2016 and there were no more charges on the account, when we received the bill they were charging us XXXX on top of that i had XXXX worth of credits applied back to the account, and for months it did not reflect, we have asked for help from them so many times, with getting no help at all, no statements ever reflected the credits or the additional charges they claim we have, we have refused to make payment at this point because of the issues that are wrong, and we dont feel we should have to pay interest on the items that have been returned to the account, and the interest a month has not changed, i would like to get this situation fixed as soon as possible, as its interfering with us buying the house we were in the middle of buying, and when i stated to the lady this could cause us to be homeless she laughed about it. this company is the worst to deal with, and reaching people other than a call center and having them demand money is not the way to get it, with the statements from amazon and invoices i have enough to prove we do not owe the balance they claim we owe. we have been trying to work with them since XXXX 2016. they have also locked me out of the account so i can not get on access it, get proper statements or even make payments, they are now currently sending statements in the mail with no information provided.

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 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Equifax refuses to comply with the law and remove three incorrect medical entries from XXXX XXXX XXXX that have wrongly plagued my account for years. Overall, the CRAs are consistently complicit with re-inserting and re-aging damaging and incorrect information ( which in this case, was covered by charity care and never even should have been put on my credit report ). Clearly, this info. gets sold from junk debtor to junk debtor despite my disputes and I 'm sick of having to fight this year after year after year because the CRAs are n't doing their job. When I contact them directly, I get the runaround. They make it extremely difficult to resolve disputes, especially when all they do is take the word of the collection agencies. Finally, I directly contacted this last debtor, XXXX XXXX XXXX on XXXX/XXXX/XXXX via certified mail, but never heard back from them. When I saw that the three derogatory items were still on my accounts more than 30 days later, I contacted you, CFPB on XXXX, and XXXX XXXX Responded on XXXX, indicating that they received my correspondence and contacted ALL of the credit reported agencies requesting that the collection entries be removed/deleted. However, when I checked my report as of today, all of the information remains, hindering my need to acquire a job ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/19/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: I have a credit card with Citicards, and initially had a payment due on XXXX XXXX. I made the payment at XXXX PST on XXXX XXXX, however as they state it was past XXXX ET ( even though I live in CA ), a late fee and finance charge was applied. 

I paid both of those and my balance in full on XXXX XXXX, and received a confirmation email stating the payment was applied on XXXX XXXX, my due date. 

For XXXX, Citi applied a finance fee on my account. I called on XXXX XXXX to dispute this charge, and when speaking with the customer service rep, I was told because my XXXX bill was paid on XXXX XXXX, I was applied a finance fee. I let the representative know that I have an email confirmation stating my payment was applied on the XXXX of XXXX, however due to delays in banks, it might not have posted until XXXX XXXX. The customer service rep was adamant I made a late payment, however he would work with his supervisor to see if the charge could be waived. 
The customer service rep ended up crediting the finance charge, however the excuse he used was since I 've been a customer for 19 years. The reasoning should be because I made my payment on time, as noted by the automated email supplied by Citicards. That is very suspect that they note a payment as paid on time, however apply finance fees to their customers, and I suspect this is being done to other customers unknowingly as well, and are illegal.

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 05/18/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: My loan was for about {$30000.00} for XXXX school but the school went out of service about 10 years ago. I defaulted in XX/XX/XXXX after dropping out. In XX/XX/XXXX, my wages started to be garnished and had been garnished for the past 14 years and still paying. I had paid over {$50000.00}, since then, and still paying with balance of {$12000.00} left. Of the {$50000.00} paid, {$18000.00} has gone to the collection agency as collection cost. This is unbelievable since there is no end in sight. This means that the {$30000.00} loan is going to cost me {$60000.00}. Is this legal? Please help since my wages are still being garnished.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have a lot of inquiries I didnt not apply for on my credit 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 08/28/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: In XXXX 2017 I noticed an account on my credit report that had an error and asked verification of debt from XXXX, and XXXX. Because they could not verify the debt the account was removed from the report. Then another company, Portfolio Recovery, bought that same debt and reported it to XXXX  and XXXX without sufficient verification of the debt. Once again, I wish for it to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (MT).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I went to a Mortgage Broker to see if I could get approved to by a house. I noticed that my loan from University Accounting Services was not listed. I called and asked why is was not on my credit report. Both time I tried calling I was told they can not speak to me about my account and to contact XXXX, who is the lender. The second time I called I asked for the contact information so I could call them and they kept repeating " I have no information to give you. '' I have tried looking up XXXX online to find their contact information and I cant seem to find anything. 
On my statement for this loan, the only contact info given is for UAS. At this point, I have no one to talk to about this account. Why would I continue to pay on a loan when I cant contact the lender. I 'm concerned about the handling of this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Debt collection (I do not know) with Law Offices of Les Zieve (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: ALLEDGE : Extortion ( CA Penal Code 518 ) False Transaction Entries ( 18 USC 1005 ) False Claims ( 18 USC 152, 1-4 ). 

XXXX XXXX, XXXX, co-defendant with XXXX XXXX XXXX XXXX ( XXXX. ID XXXX ), XXXX XXXX ( XXXX. XXXX ) & XXXX XXXX ( XXXX. XXXX plus XXXX XXXX ) all scheduled for filing in U.S. Dist. Court subject REAL ESTATE FRAUD. 

On the XX/XX/XXXX, I was directed by the Assessor Recorder County Clerk, XXXX XXXX to seek and report Real Estate Fraud with the District Attorney 's Office for what appears to be a fraudulent filing of Default-Notice of Sale with intent to Foreclose, ( Docket No. XXXX, XX/XX/XXXX, XXXX, XXXX XXXX County Records . 

XXXX XXXX and these defendants, have placed them-selfs above the findings and rulings of XXXX XXXX XXXX XXXX XXXX XXXX ( Case No. XXXX XXXX ) that the defendants ALL have never had legal standing or decision making with regards to our home or property.

Company response to consumer: Closed with explanation