milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/19/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Struggling to pay mortgage

Complaint: Ocwen claims it sold my house to XXXX XXXX via a foreclosure auction in XXXX XXXX. XXXX XXXX  subsequently filed an action trying to evict me in XXXX XXXX XXXX. I have been fighting them in court ever since. I have been represented in that action by XXXX XXXX XXXX XXXX since XXXX of XXXX. In XXXX of XXXX, Fannie Mae switched its counsel from XXXX XXXX to XXXX and XXXX. When XXXX became new counsel, they stated that XXXX XXXX and its servicer Ocwen were willing to evaluate me for a loan modification. They asked that I submit a Request for Mortgage Assistance package. I submitted a package with pages and pages of supporting documentation in XXXX XXXX. Over the next two months, Ocwen, through counsel requested additional documents three separate times. Each time I promptly provided them with what was requested. 

On XXXX XXXX,, my attorney received a letter from Ocwen ( which was dated XXXX XXXX, XXXX ) via email from an attorney from XXXX. The letter ( which is attached ) said that Ocwen could not offer me a loan modification because my loan was post-foreclosure. However, Ocwen and XXXX XXXX knew this all. I do not understand why they asked me to submit an entire application, and rounds of supporting documentation if they were going to deny my application for a reason they knew all along. There is absolutely no indication they ever did any sort of individualized analysis based on my income and debts. My attorney contacted the attorneys at XXXX right after she received the letter from Ocwen and told them how she did n't understand why Ocwen would say they would review me ( and ask for so many documents ) if they were going to reject me for the fact that the loan was post-foreclosure. The XXXX attorneys did not respond to her emails or voicemails. 

On XXXX XXXX, XXXX, I encountered an individual outside of my Property trying to take measurements. When I asked him why he was there, he stated that he was trying to assess the property for a pending sale. My son XXXX then discovered a listing for the Property on XXXX, which states that the Property has been under contract since an auction on XXXX XXXX, XXXX. ( I have included a copy of the listing. ) I realized all the while that Ocwen and XXXX XXXX said they were considering me for a loan modification, they were trying to sell the property. 

Ocwen 's and XXXX XXXX 's actions are all the more upsetting to me because my ex-husband and I were once offered an affordable forbearance plan ( in XXXX ) and then the former servicer ( XXXX ) kicked us out of the plan because my ex messed up a payment by a penny. I begged XXXX to let us make the proper payment and remain in the plan but they refused. Neither XXXX nor Ocwen has ever done an individualized loan modification analysis, taking into account my actual income and debts, since that point and time.

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 03/23/2015 about Debt collection (I do not know) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: There is a judgment being reported by the XXXX major credit bureaus. I spoke with the collection agency and was told that the judgment would be completely vacated if it was paid. The amount owed was paid however it is still being reported on my credit bureau reports.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Debt collection (Non-federal student loan) with USCB Corporation (MA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I 've sent several letters to USCB Corp., requesting owner validation of debt and, ( although the account is in collection ) I was told by the collection agency mentioned above that, " We are not the owners of this debt. We have been hired by XXXX Schools to collect your past due tuition ... '' They went on to say, " You can certainly contact the school directly ... '' I recently learned the FCRA and FDCPA, legislations, and that I have the right to request " documents and evidence as proof that they are legal owners of the debt and that they can legally accept payment on it ''. If the collection agency does not or can not fulfill the request, the debt is supposed to be removed. 
It is also my understanding, that the collection agent should not suggest I fill out forms to validate the account, or suggest I call the original creditor, to validate that the collection agency is legitimate.

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 03/15/2016 about Debt collection (Mortgage) with Dyck-O'Neal, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: My ex husband and I owned a house in XXXX, NY. As a result of our divorce, we had sold this house as a SHORT SALE XXXX 2013. Our mortgage company XXXX XXXX used XXXX insurance company for the PMI insurance. After closing of this home, XXXX sold the loan to DYCK O'NEAL collection agency. DYCK O'NEAL then came after my ex husband and I for {$50000.00}. Because of this, my ex husband filed bankruptcy and included this {$50000.00} in the bankruptcy process. Since he was no longer responsible for this, DYCK O'NEAL has now been after me for the FULL amount of {$50000.00}. It shows up on my credit report and is a red flag which is not fair since it was a joint account. My question is why is this {$50000.00} if this was part of my mortgage payment that I paid for four years prior to the short sale. Also, if it was included in the bankruptcy files, why is this still a problem? DYCK O'NEAL has not wanted to work out a deal with me or help me with REASONABLE payments. Now, after speaking with many different mortgage companies and banks, I 'm realizing that this may all be in error or I have been a victim of a scam. The bank representatives told me that they have never heard of the PMI collection agencies requesting this large amount before. I just want to make sure that this is legal and would appreciate information on how to proceed. If proof of my ex husband 's bankruptcy is needed, I can obtain those records. I am attaching the closing documents from my short sale to prove that I no longer have this property and that all paperwork was indeed complete. Thank you for your help.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIBANK, N.A. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Citibank has denied a Loan Modification on my primary and upon reviewing the limited NPV results they provided, I discovered incorrect income. No mentioned of appeal process, so I come to you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I contacted Equifax about items that were removed from my credit report and inadvertently placed back on there by the office of consumer affairs. I spoke to several reps and supervisors to have a security/fraud freeze removed from my credit report because it 's violating the FCRA law by preventing me access to my credit score and report. I was told by a rep in the office of consumer affairs that this was done to protect my file, however, I asked for it to be removed because I did not ask for it to be placed on My credit file and there 's no suspicion of fraud. Equifax is refusing to remove this freeze and allow me to access my own credit file/score online. Someone internally in the office of consumer affairs did this purposely. This was previously reported to Cfpb.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have multiple dispute issues with XXXX, XXXX  and TransUnion that are not being corrected per the FCRA. I 've consulted with my attorney and was notified that neither the credit bureaus or the creditors have the right to report disputed information that has not been legally verified. I 've researched and found XXXX XXXX XXXX XXXX, wherein Congress states that the only legal form of verification per the FCRA is possessing and producing proof of their claim. Otherwise, it 's only hearsay. Congress further states that the burden of proof is on the creditors and credit bureaus - NOT the consumer. 

Here is my dispute to XXXX, XXXX and TransUnion ( below ). Due to the fact that these accounts are reporting inaccurate and have not been verified, corrected or deleted, they must be removed immediately from my credit report. 

Im well aware that my credit report is showing inaccurate items, and Im appalled at the so-called investigations that have been performed on my behalf. Ive consulted with my attorney and have been informed that without the physical documentation to back up your claim that this has been verified, it does not meet the requirements of the FCRA. Ive disputed directly with the creditor as well and was told that at no time was any documentation sent to you to validate my disputes. How can this be verified? Congress states in XXXX v XXXX  XXXX, that the burden of proof is on the credit bureaus and creditors to verify and not the consumer. Please see the enclosed 6-page lawsuit which outlines my proof. 

XXXX XXXX XXXX Status makes no sense, delete this immediately : XXXX and XXXX : closed/TransUnion : open All 3 bureaus should be reporting the same information. What also doesnt make sense is that XXXX and XXXX report a monthly payment of {$0.00} while TransUnion reports {$1000.00}! 

XXXX XXXX XXXX Im at a loss on how you can still be reporting this incorrectly when you had ample proof that this was incorrect. You are required to delete this immediately : Balance : XXXX $ XXXX/XXXX $ XXXX/TransUnion {$19000.00} XXXX XXXX XXXX Im at a loss on how you can still be reporting this incorrectly when you had ample proof that this was incorrect. You are required to delete this immediately : Balance : XXXX $ XXXX/XXXX $ XXXX/TransUnion {$68000.00} Past due : XXXX  and TransUnion $ XXXX/XXXX {$0.00} Any correspondence received to and from you will be made available to my attorney as well.

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 10-04-2017 about Student loan (Federal student loan servicing) with Red Bishop LLC (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I get loans and every time a stipend comes they " the school '' have a problem giving it to me. It will take over the 14 days and I always have paperwork that needs to be filled out. I do n't understand why, and also when I call the school they tell me that one of my advisers do n't work there or the other do n't take phone calls. Then they keep telling me that I 'm not getting a refund or they tell me that they need to review it. They get their money and no review is needed. Also i 'm being charged for 2 classes and am taking just one class. I am not getting my refund like they say. When I call I have to talk to people who answer phones, not my advisers. And they give me the run around and are very rude. But it 's my money and I work hard for it.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Other

Complaint: Applied for XXXX Chase XXXX XXXX XXXX Credit Card. Printed out terms and conditions, which clearly state that {$95.00} annual fee is waived first year. When first checking balance, discovered that {$95.00} fee was imposed anyway. Chase customer service supervisor refused to honor terms and waive fee, despite my written proof of this term.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Back in 2011 I have received an offer for modification from bank of america. After numerous conversations Bank of America representative advised me to stop making payments in order to qualify for modification, and I was told that in case of modification being approved the lates would be removed from my credit report. However it has been 4 years since my approved modification and bank of america has not removed the lates from my report which they forced me to have in first place. Now I ca n't even refinance or sell my house due to their negligence and ignorance to my numerous requests. I hope this complaint will bring justice and have bank of america comply and remove lates reported erroneously in first place

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XX/XX/XXXX, I discovered a XXXX account ending in XXXX had been re-inserted into my credit file for a XXXX TIME. This debt was XXXX deleted XX/XX/XXXX under the debt collector XXXX XXXX. It was deleted again under XXXX XXXX XXXX. Now this debt has resurfaced again on my credit report under Enhanced Recovery Company. Neither XXXX nor XXXX has notified me within the required five ( 5 ) days of re-inserting this XXXX deleted item. 

According to the Fair Reporting Credit Act, my rights were violated because I did not receive any such notification. Please delete this item immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-09-2016 about Consumer Loan (Installment loan) with WORLD ACCEPTANCE CORPORATION (GA).
Issue: Problems when you are unable to pay

Complaint: I received a marketing letter from Colonial Finance and I decided to set an appointment to apply for a loan for {$1000.00} to pay off some citations and car repair from an accident. After applying they said I was approved but would have to pay back {$1800.00}, over {$800.00} in interest!! Highway robbery! Colonial Finance has HORRIBLE and unethical collection practices where multiple representatives used the reference list I had provided when I applied for the loan against me. Colonial Finance harassed me, my manager, my parents, family and friends TWICE DAILY on both cell phone and their work numbers leaving a message each time! Everyone was mad at me for giving Colonial Finance their number because they were harassing them and most are on the XXXX list but Colonial Finance said they did not care and continued to call. I decided to contact XXXX and enroll in a program where they would help me with paying off Colonial and stop the harassment calls. My counselor recommended sending a Cease and Desist letter to stop Colonial Finance 's harassment and so I sent them XXXX. ( see attached ) XXXX sent Colonial Finance payment but they would not negotiate a payment that would be affordable. I was hoping for {$50.00} a month but they do not accept partial payments so I had to do $ XXXX/month, so upon receipt of my payment Colonial responded by filing a lawsuit against me plus court cost. I called my XXXX XXXX for help and so she called this XXXX XXXX who filed the lawsuit to see if she could drop it because it was not necessary ( see attached XXXX and XXXX said there was nothing that they could do. Why not? It is unnecessary and they were getting their payment.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Payday loan, title loan, or personal loan (Installment loan) with Big Picture Loans, LLC (GA).
Issue: Problem with the payoff process at the end of the loan

Complaint: On XX/XX/XXXX I received a preapproved mail offer for a $XXXX loan from Big Picture Loans. I didnt agree with the conditions so called to clarify. I asked if I could pay off the loan early ( a week later) to keep from paying the whooping 2000% interest. The CSR told me yes and to call back on Friday XX/XX/XXXX to pay off XXXX. I called back on Friday to pay the loan and was told I couldnt pay the loan until XX/XX/XXXX and to call back at that time. I called back on XX/XX/XXXX and was told it was to late to pay off the loan because a payment had been processed for XXXX. I explained to at least 2 CRS's what I was told and what I was willing to do to prevent having to pay 2000% interest and was told I should have called back before XXXX cst. It was XXXX est when I called.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am filing a complaint due to the fact that these accounts are reporting inaccurate information. The account numbers do not belong to me. My accounts do not end in XXXX nor start with a -. Also if they were mine, a charge off is to show a XXXX balance. These are the accounts in question : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX Please correct this information or remove these accounts from my report immediately! as per the FCRA, you have 30 Days to correct this. Just 30 Days and not 1 day more.

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 01/29/2016 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (NC).
Issue: Managing the loan or lease

Complaint: I have been a Wells Fargo customer since 1999 and had a couple of loans with them which I have always paid on time. They stopped sending statements on XXXX of the accounts so I missed a couple of payments. They sent me an e-mail so I immediately called. They claim that my address was correct and they had the correct e-mail and yet the only correspondence I had received from them was asking to call. I explained that I had not received statements and they could clearly see how long I had been a customer, and that I had always made payments on time. I asked them to remove it from my credit report and that I wanted to pay the balance. The manager was very rude and said that I knew of the account and that it was my responsibility whether I received statements or not. They did n't care in the least that I had been a long standing, good customer. I will never do business with Wells Fargo again and I would strongly suggest that you consider another alternative. I have been with XXXX XXXX XXXX for a much shorter period, and they have provided excellent customer service and seem to genuinely care about that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Debt Recovery Solutions, LLC (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Ref # : DEBT RECOVERY SOLUTIONS has report this account account as open XXXX XXXX, XXXX Open Account # XXXX {$240.00} Balance XXXX Original Creditor {$240.00} High Balance XXXX XXXX, XXXX Opened Date - XXXX XXXX, XXXX Last Reported I would like to dispute the item noted above on my credit report I have made every attempt to obtain information related to this item reflected above that is being reported on my credit report under the name Debt Recovery Solutions. Between the original creditor and the agency noted in this dispute the original creditor provided me with XXXX other companies that they assigned their debt collections too and still no one has any knowledge of this debt. 
As a result, I have not been able to verify the following : 1. Original date of service, account number & place of service/provider 2. The original creditor does not have the account number, nor information as to who the debt is owed to yet they have assigned it to a party to be collected. 
3. I 've contacted " Debt Recovery Solutions '', 4 times via phone regarding this matter over a 60 day span and was told by the call center rep. that a request to have the item remove would be forwarded to the manger. 

As of XXXX XXXX, XXXX, upon reviewing my credit report I notice that Debt Recovery Solutions recently update my credit report on XXXX XXXX as an outstanding collection item reflecting {$240.00}. I then decided to email them so that I could have a form of communication that could be documented. It 's not doubt that the item referenced above is no longer with them yet they still continue to report this debt after I 've brought this to their attention months ago. 
I 've attached a copy of the email chain. It was only after I call and told them that I would be making this compliant that they respond stating that they would take care of it. 
I am still filing this compliant because they knowing continued to report false information. This account has not been with them since XXXX, XXXX and the reason. I know is because I 've been asking them for details in order to resolve the matter yet they would not respond.

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