milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/23/2018 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Struggling to pay mortgage

Complaint: Dated XX/XX/XXXX/ received XX/XX/XXXX, I got letter after waiting months calling ocwen about modification letter state you approved for assistance if you complete the 3 trail paymentXX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX/ I began calling asking about modification claim it was getting process ask speak to the modification department say they didn't have one, can I speak to XXXX department I was told had write XX/XX/XXXX new pack I call ocwen right away that I disagree with decision and this is not modification what is this the woman XXXX say it's modification it go in to XXXX I said what I be all most XXXX old 'she continue talk I said my loan is not correct- XXXX I owe on my home {$140.00} and some more principal ocwen claim XXXX claim I owe $ XXXX.So I  Began writing letter have not got no respond from ocwen or XXXX department /ocwen, XXXX have falsified document and claim my husband XXXX XXXX agreed underlying his loan claiming he agreed XXXX call it pass through, Ocwen they both have falsified legal document on XXXX XXXX XX/XX/XXXX claim he came in to agreement for loan to security amend and supplements 1 the mortgage note/ ocwen record another mortgage note illegal did it in XXXX XXXX TX Clerk office

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 04-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Transunion is showing that XXXX XXXX KY has an outstanding lean on me in the amount of {$320.00} however that balance was paid by my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Kimball, Tirey & St. John LLP (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This creditor will not update my PAID collection with XXXX, despite my numerous attempts to contact them. They absolutely refuse to update XXXX or to give me the time of day now that I 've paid it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: To whom it may concern, I have contacted the following to remove inaccurate information from my credit report. On the first XXXX the debt was paid in full to XXXX XXXX XXXX, these are duplicate accounts and should be removed no monies is owed on this account. 
XXXX XXXX XXXX {$220.00} NEEDS TO BE REMOVED ACCOUNT IS PAID XXXX {$220.00}. NEEDS TO BE REMOVED ACCOUNT IS PAID The second issue is the XXXX account that on my credit report. The account is over 10 years old and has been sold, resold removed and put back onto my report. These are third party collectors that are reporting inaccurate occurrences on my credit report. Such as past 30 days past 60 days ect. XXXX XXXX accounts are the same. 
The " {$780.00} '' was removed from my report and popped back on. This account is over XXXX old. I do n't understand how THIRD PART COLLECTION Agencies are taking on the roll as a creditor. The XXXX one is XXXX XXXX XXXX it 's the same account $ XXXX+ their fees= {$2000.00} XXXX {$780.00} REMOVE FROM CREDIT OLDER THAN TEN YEARS XXXX XXXX XXXX {$2000.00} ROMOVE FROM CREDIT OLDER THAN TEN YEARS THANK YOU FOR YOUR HELP IN THIS MATTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX 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 non-monetary relief
Consumer complaint received 10/15/2015 about Debt collection (Credit card) with TD BANK US HOLDING COMPANY (TX).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: MY PROBLEM BEGAN AFTER I DISPUTED ACCOUNTS ON MY CREDIT REPORT. I DISPUTED THE DATES SHOWN. I LOST ALL DISPUTES SAYING THEY MET THE STANDARDS. I KNEW ONLY WAY IT WAS POSSIBLE WAS IF THEY FALSIFIED THEIR RECORDS. I ORDERED SEVEN ( 7 ) YEARS OF MY BANK STATEMENTS TO MAKE SURE I WAS CORRECT ON MY DATES. I WAS THEY SHOWED NO PAYMENTS MADE ON DATES THEY CLAIMED OR ON ANY DATE IN LAST SEVEN ( 7 ) YEARS. EACH TIME I DISPUTED THE ACCOUNT DATES CHANGED. AT THE END THE OPENING AND LAST PAYMENT DATES WERE CHANGED FINALLY SHOWING ACCOUNTS WERE STILL OPEN WHEN ALL WERE CLOSED FOR YEARS.. THE COMPANIES THAT BOUGHT MY CHARGED-OFF ACCOUNTS REPORTED NEW DATES AND ACCOUNT NUMBERS XXXX ( XXXX ) XXXX XXXX account turned into XXXX ( XXXX ) .I wrote XXXX XXXX got no reply but accounts changed from write off to no missed payments and XXXX showed right dates of last payments as XX/XX/2006. same with XXXX XXXX ( XXXX ) was good XXXX ( XXXX ) bad there was only XXXX ( XXXX ) account these accounts appear three ( 3 ) separate times

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with McCarthy, Burgess & Wolff, Inc. (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am XXXX here in KS ... was curious about this ( 'Home Advisor ' ) contr. job referral service so I started to go thru their 'registration-process ' they termed it ) gave them personal info and ( banking info ) BUT never got to terms ' to finalize this because the AMOUNTS of these services were not finalized ... next thing ( on a Sat. ) they had already DEBITED my checking acct. for {$360.00}. ( actual XXXX plus added fees now ) I tried in vain ... to contact them about resolving this dispute BUT they informed me it was " out of their hands & turned over to a collect. agcy. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Trouble during payment process

Complaint: I was laid off from work. 
I applied and was approved for an Unemployed assistance loan from KYHC. 
On XXXX XXXX and XXXX, I received an email and a phone call from a XXXX XXXX with XXXX regarding my " inquiry '' for mortgage assistance. After the second time I called XXXX XXXX and asked where he got my name as I had not made any inquiries. He responded with - are you with Ocwen? I said yes - he said we buy leads from Ocwen on troubled or delinquent files!!!!! I asked to be removed from his list. I checked his name and he is not listed with NMLS or BRE. 

At that time I called Ocwen and spoke with Agent I.D . XXXX. He indicated my account was in good condition - that I showed behind ; however, they are expecting two more payments from KYHC. He indicated there were no notes in the file as being referred to anyone ... ... .. 

How does Ocwen get off " selling '' my information without my consent and certainly without my knowledge????? 

This needs to be reported. And please do n't bother sending this to Ocwen for a response because we all know what will happen ... .... nothing ... ... ... .they will write a long letter saying nothing - and you will post the incident solved?????????????.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX was reinserted on my credit report after previously being deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Bank account or service (Savings account) with TD BANK US HOLDING COMPANY (PA).
Issue: Using a debit or ATM card

Complaint: I used the drive thru ATM at my bank. This is the TD Bank located in XXXX, pa. I went through the proper steps to withdraw {$700.00} from my savings account, but the machine did not dispense the money I had requested. I waited for a little while, but nothing happened. Because my bank was closed at the time, I called TD corporate to let them know what happened. I was told there was nothing they could do except file a complaint for me and hope my local branch would be able to work it out. Once my local branch opened, I called and spoke to a woman named XXXX. I told her my story and she questioned if I was even at their bank and used their drive thru ATM because it was out of service. I assured her I used that locations ATM and I was unable to retrieve money from it, but my savings account shows the {$700.00} was taken out. She said there was nothin g she could do except to also file a complaint. This incident happened on XX/XX/XXXX at XXXX. It is now XX/XX/XXXX and my money has not been out back in my account. Why should I have to go without my money because the banks atm was broken ( and not properly marked or turned off due to it being out of order ). 
XXXX at the bank said if the problem did n't fix itself by XX/XX/XXXX than she will push through my complaint and I should get my money back in XXXX to XXXX business days after that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-09-2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XX/XX/XXXX, I discovered Creditor, XXXX XXXX XXXX XXXX, and Equifax have violated my rights as it relates to the Fair Reporting Credit Act ( FRCA ). The Creditor and Equifax re-inserted the below previously deleted items without notifying me within 5 days that the items would be re-inserted in my credit files. Under the Fair Reporting Credit Act, the Creditor and Credit Agency are required to notify me within 5 days of re-inserting the previously deleted items. Also, the creditor is reporting inaccurate information. 

Agency Creditor Account Equifax XXXX XXXX Item Status XX/XX/XXXX ( Item was removed and latest credit file showing item re-inserted and with inaccurate information ) ( View Attachment ) As of discovered today, all items were re-inserted in on my credit file without me being notified within 5 days of the re-insertion and after the item FCRA 's reporting periods have expired. 

Please assist in resolving this matter quickly and having the credit agencies delete the negative information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Consumer Loan (Installment loan) with Duvera Billing Services, LLC (NV).
Issue: Managing the loan or lease

Complaint: I got financed by DUVERA finance also known as easy pay for XXXX dollars so I could buy my kids a puppy. The pet store clerk was misleading about the interest rate and when i advised i was XXXX military he assured me that would be handled appropriately. ( i should have verified before i signed the contract ) I am now paying 189 % interest on my loan. When I called duvera they were rude and said that they do not have to lower my interest rate at all and they based it all on a loop hole. The woman i spoke to said SCRA didnt apply in my case and went on about a bunch of different contracts. She even laughed and said to go ahead and speak to my legal office because they dont care im XXXX and they know the law. I paid XXXX on my loan and only XXXX has actually gone to pay off my dog. They threw a bunch of legal jargon at me that I did n't understand which was probably to confuse me and it did. I called to see what it would cost to pay off the loan next month and they gave me a balance of XXXX dollars. I am so upset with this company. I am a single mom of XXXX who is XXXX and I feel like I have been scammed and taken advantage of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On My Equifax credit report My loans are listed as closed as of XXXX XXXX 2017, however I tried to secure a personal loan at my bank. Half of the loans had a XXXX balance the other half still had the dollar amount listed. Even though they were closed my bank refused the loan, my question is why do half of them still list an amount as owed? I applied for XXXX and was awarded it ( that 's the reason they were forgiven ) please contact me at XXXXXXXXXXXX with any advice you can give.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX told me that a credit check would n't show up on my credit report. They lied to me, I complained to Equifax, and they refuse to remove it from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (NM).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I have received a letter from a debt collector for conns for a check that my bank was not able to pay at the time it was run thru the original check amount was for XXXX since then this company has tacked on XXXX in extra fees that are not necessary I can see a XXXX fee but XXXX they claim to be with the district attorney I have not received any calls nor collection letters from the original creditor I can attach a copy of the letter I received

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are multiple hard inquiries on my credit report and I do not know how to get them off. They were unauthorized.

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 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I put an fraud alert on all three credit reporting agencies because I did n't authorize any of the following inquiries. I sent letters to the credit agencies and also the company in which inquiries where pulled from and they still remain on my credit report.           TRANSUNION :  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  (  XXXX  )  XXXX  Inquiry Type : Individual Requested On :  XXXX / XXXX / XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  (  XXXX  )  XXXX  Inquiry Type : Individual Requested On :  XXXX / XXXX / XXXX   XXXX   XXXX  BANK  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  (  XXXX  )  XXXX  Inquiry Type : Individual Requested On :  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  (  XXXX  )  XXXX  Inquiry Type : Individual Requested On :  XXXX / 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 04-07-2017 about Credit reporting () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have made Several requests from Bank of America for the verification of the information being reported to all XXXX bureaus without compliance. BanK of America has not provided proper verification. Bank of America states this account went delinquent XX/XX/2012 and it shows at charge of XX/XX/2012 but Bank of America reports almost every month that this account is late. There are 8 months reporting no data. It reports a recent payment of {$140.00} which I believe is reporting falsely.

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 09/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I have sent XXXX letters explaining that the debt was discharged in bankruptcy and have received another letter offering a settlement offer. The creditor also states there could be additional payments made on the claim that I could be responsible for and will notify me as soon as they become aware.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (MN).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I have gotten XXXX phone calls today from a number that pulls up as Southwest Credit, which is a company that I have contacted recently to cease all communications and record that I dispute the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with U.S. BANCORP (OH).
Issue: Unauthorized transactions or other transaction problem

Complaint: Phone was lost, unauthorized fraudulent use of card regarding a purchase for a credit card after a hard inquiry 65 points were taken away.

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 08/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Showing a balance which was paid i XX/XX/XXXX from XXXX XXXX XXXX for XXXX a XXXX account in XX/XX/XXXX which is not mine it belongs to another XXXX XXXX . I never had XXXX then, only XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Mortgage (Conventional fixed mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (SC).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to go through the process for a Home Loan Modification for the past several months. I have been working with a Company Called Rushmore LLC. I have been in contact with them on several occasions to help me with a XXXX. I have faxed a complete package to them, and I have also had my son to email the requested items. I was told either i was missing something or they did n't receive it as of yet. I have followed the checklist of items that were required in order to have a complete package. I would call to advise that the information has been sent via email or fax, but at the same time i would be told by XXXX of their representatives that " we are not going to help you, we are just coming to get the house since you ca n't make the payment '', and this was a very very hurtful thing to hear. The reason I was seeking Financial assistance due to my life partner be XXXX, and I could not afford the medical expenses, cost of XXXX, and a mortgage payment. My life partner recently passed in late XXXX of 2016 from her battle with stage XXXX XXXX XXXX. Also, while in this process for a modification I made a terrible discovery from my bank, when I tried to apply for a loan. I found out that my dream home was in foreclosure, and here I am thinking I 'm doing everything possible to prevent this from happening. I also received an Anonymous letter " stating that we are coming for the house '' and low and behold I received a letter stating I had to be out of my dream home by XXXX XXXX. Also Rushmore stated that they sent of a letter stating that I was in Foreclosure which they did n't not. The only thing I received was a decline letter.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AE).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: " Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. ''

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Continuous calls from XXXX XXXX, and Portfolio Recovery. They have never sent letter describing what calling for. I owe no debts that are n't Time barred. Therefor they are trying to collect on time barred debt or false debt.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Debt collection (Medical) with Renton Collections Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Ref : Case No : XXXX. 

1. This is to inform you that I have received a bill from Renton Collection Inc ( Copy Enclosed as an attachment : Exhibit A ) for an amount of {$88.00} raised on behalf of XXXX XXXX XXXX. Which includes a principal balance of {$46.00} and an interest to date of {$42.00}. I have not utilized the services of this agency till date and I do not now why the collection agency is harassing me for it. 

2. This is also to inform you that I have also received another Summary statement from XXXX XXXX XXXX Case No. XXXX dated XXXX XXXX, 2016 ( Copy of the statement received Exhibit B ). Indicating that they have submitted the case to Renton Collection Inc and I should contact them for further action. 

3. I am afraid Renton Collection Inc has submitted an erroneous claim for {$88.00} on behalf of XXXX XXXX XXXX to whom I do not owe any money as I have not utilized their services. 

4. I have also noticed that they have falsely reported this matter to Credit agency XXXX with malicious intent and it now shows on my credit report as a bad debt. I have disputed it ( XXXX case XXXX. XXXX ) verdict pending.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation