milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/15/2015 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The credit reporting agency continues to show inaccurate and/or erroneous information on my credit report, which has impeded my ability to secure the most favorable credit terms on credit cards, etc. All of these are in violation of the Fair Credit Reporting Act, et, al.

The following is/are a list of inaccuracies/erroneous status(es) still showing on my credit report:

XXXX Ocwen Loan Servicing, LLC shows a late payment status. As per my XXXX complaint; and the documentation to go with that complaint, it is Ocwen that has mis-managed the escrow; and as a result, caused the account to appear to have fallen behind. I have always paid according to the agreement(s) I've had with Ocwen. 

XXXX  The education loans have all been cancelled/forgiven, and thus, should be removed from my credit report.

XXXX  Any inquiries, two or more years old, should no longer be showing on the account.

Finally, there should be no new accounts, except a car loan via XXXX, showing on my record.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (OK).
Issue: Struggling to pay mortgage

Complaint: XXXX continues to misrepresent my loan. On on the credit report 's they state that the loan has a 480 month term when the loan has a 360 month term they state that I 've been on the modification agreement since XXXX when the minute modification agreement began in XXXX in their transfer letter XXXX stated they would honor any modifications that XXXX had with us but Ocwen did and does not oblige by the rules that XXXX had for us that 's misrepresenting the loan. Ocwen continues to inflate the amount that was owed on the loan all of this I have evidence for. Ocwen XXXX on the credit report that they 've had the loan since XXXX but nova star was actually the place we opened our loan with then the loan was transferred to XXXX in XXXX The transfer letter states that I can receive the loan in XXXX and thus continue to misrepresent this date on XXXX credit report. XXXX escrow amounts do not match up with the previous servicers escrow amounts. Ocwen nor XXXX XXXX XXXX XXXX XXXX have submitted correct loan papers into the XXXX county land records. Ocwen is not helping and the loan modification process because they want us to pay an inflated price on the loan modification process and the inflammation of the price is around {$180000.00} meaning the modification they want us to sign is for {$330000.00} while we only purchased the house for {$180000.00} and we put an {$18000.00} down payment on the house and XXXX stated in the letter that our payoff amount in XXXX was only {$150000.00}. They are trying to get us to sign the modification under duress so that they can continue to try and foreclose on us. They state that the land was sold and transferred to XXXX XXXX XXXX XXXX XXXX XXXX XXXX backdating to XXXX XXXX but the endorser on the note lost his job in XXXX XXXX and according to the separation agreement of XXXX XXXX that has been filed with the securities and exchange commission XXXX XXXX signature does not mind the company XXXX XXXX to any other lender I have proof of this which I 've used an evidence in court. Ocwen continues to not send monthly statements as required by regulation Z. They want us to say that we release of claims against them on a modification that 's over 200,000 the worth of our home

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: TransUnion is reporting a Paid, Federal Tax Lien on my credit report with them. I have received a Form XXXX Certificate of Release of Federal Tax Lien and Form XXXX, Withdrawal of Filed Notice of Federal Tax Lien from the IRS, which I have sent to TransUnion twice, in XXXX 2016 and XXXX 2016 asking them to delete this entry from my TransUnion File. Most recently I received a letter from TransUnion dated XXXX XXXX, 2016, stating " Verified, No Change, '' and the tax lien remains on my credit report. 
I believe this is a violation of Fair Credit Reporting Act and would like action taken against TransUnion.

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 09/21/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: Navient is an awful, deceiving, rip-off, worst customer service company. 
they have me paying 12 % interest and will not refinance.
In addition, I have submitted 4 applications to remove co-signer and refuse to process application, being returned to me saying something or other is missing. Their customer service is incompetent and not able to resolve my request

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Bank account or service (Savings account) with CITIBANK, N.A. (FL).
Issue: Account opening, closing, or management

Complaint: bait and switched savings account and money market account resulting in fees if minimums not met

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-01-2017 about Debt collection (Medical debt) with Professional Recovery, Inc. (IN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This matter was forwarded to the XXXX XXXX  insurance plan and was later denied.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with PNC Bank N.A. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I have XXXX mortgages with PNC, the XXXX mortgage has an adjustable interest rate, the XXXX is going to mature next year, at that time the payment on the XXXX mortgage will XXXX. I reached out to PNC mortgage in hopes to do a XXXX mortgage loan modification, during the process they established an escrow account without my consent and offered to extend my loan to 40 years, ( from the current XXXX I have left ), and increase the interest rate for a $ XXXX/dollar savings per month. This offer was a slap on the face and clearly will put me in a worst situation in the long run. 
My loan package, per PNC guidelines, contained over XXXX pages of information.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Money transfers (Domestic (US) money transfer) with RIA FINANCIAL (FL).
Issue: Money was not available when promised

Complaint: On XXXX XXXX, 2016 I contracted with Walmart stores of XXXX XXXX. Florida to transfer {$270.00} to my son XXXX XXXX. I paid turned over to Walmart {$280.00} which include the transfer funds and a transfer fee ( consideration ). Upon presenting the assigned tracking number and a Florida State drivers license, my son was denied the distributions of the promnised funds for no apparent reason except Walmart 's exercise of it 's assumed right to decide which contracts to honor and which ones to ignore possibly at the detrament of the designated receiver of the funds. The funds and contract fee were returned to me by Walmart the following day ( see attached ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (NC).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/2017, PNC Mortgage received a copy of the correspondence sent to me advising me that my annual homeowners insurance premium was due on or before XX/XX/2017. I DO NOT escrow anything other than the Flood Insurance. I escrow that because, according to the bank, it 's required by Federal Statute. The policy bill ( again, they were copied on the document and it showed that I was the responsible party for payment via direct bill ) was for {$2200.00} and the insurance department paid it even though I do n't escrow for it. They then increased our payment from {$1000.00} to {$1400.00} to cover the shortage. It ; 's been 35 days, today, of them promising to fix their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with ACS Education Services (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been paying my student loans regularly and recently decided to go back to graduate school for a XXXX. I did not request or take out an additional loan for the XXXX program. I recently received a letter from the loan company that my loans were being deferred but if I " did not want this entitlement, I may request that this deferment period be removed. '' Deferment means additional accrued interest while in non-payment status. I never requested a deferment, never authorized a deferment, and never wanted to defer my loans. Not sure how the company could just automatically do that without my knowledge, consent or permission.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AAA Auto Title Loans, LLC (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: They sent a wage garnishment to my job without properly informing me that I have court. When I called to set up a payment plan the woman was very rude and said that I should quit my job. Since I have set up a payment plan they have been very rude. They made me go out and purchase a card since they do not accept american express. This was a very difficult task and cost me extra money. They have never tired to contact me via phone nor email before moving forward legally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Please remove this item from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I 'm a XXXX in a small firm in my early XXXX with student loan debt from XXXX school in the amount that some people have saved in pensions for retirement by now. My wife has school loans too which we 've been paying for years. We went back to school later and raising XXXX kids who are now just getting out of great colleges themselves means more loan payments. I 've managed to pay off over {$60000.00} in private loans and have {$140000.00} to go on my XXXX XXXX XXXX. The loan servicer 's contact person I communicate with regularly is very helpful but I do n't seem to qualify for a program that allows me to make an affordable payment. She said the first loan servicer I had for years who I would always ask for how I could make payments to reduce the debt, did me a disservice. There was just nothing but forbearance I was told and that 's still what I 'm told, it 's just forbearance. But that just makes the debt total higher. Right now the full payment due is {$1600.00} which I can not afford along with my mortgage and other bills. I 've been paying $ XXXXmonth during forbearance and have started paying a parent plus loan of $ XXXXmoth for my daughter. I 'm told I only have XXXX more year of forbearance but all I want is a plan to pay off the loans that I can afford and not be delinquent or default. If there 's anything you can do to help, please let me know. I want to be able to qualify for a steady repayment I can afford, and save some money for retirement, along with paying my mortgage and other costs of living. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Application, originator, mortgage broker

Complaint: In XXXX I requested Harp loan applications from our first mortgage company.. Filled out application and faxed all document to them on XXXX XXXX, 2015. They later requested a hardship letter which I did and faxed to them on XXXX XXXX, XXXX then they waited until XX/XX/XXXX. to request section XXXX & XXXX so I did that and faxed to them. We are into XX/XX/XXXX now and they are asking for repeat documents again. I have never seen anyone delay, delay, and delay the process of my HARP request. I have tried to talk to them about why they could not ask for all documents needed to send at the same time. Each time I sent the documents they needed they would postpone contacting me for an appointment for at least 2 weeks. then they needed something else. There is no way to get any help for this loan request. I know that if I do n't receive a HARP assistance within 2 months I am afraid I will have to start the default process which will lead to us leaving our home. I tried to get help from my mortgage company and they have no intention of giving a reduction in the principal or lower interest. I am currently not in default and am trying to stay that way.. but I think that I need to file this complaint so other families will not fall into this same despair.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Closing on a mortgage

Complaint: ***COPIES OF WRITTENEVIDENCE FOR THE COURTS ***INTENTIONAL VIOLATION OF THE RESPA BY NATIONSTAR, XXXX XXXX  AND XXXX XXXX*** ATTACHED IS THE EVIDENCE OF LOAN FRAUD*** HERE IS A COPY OF OUR PREVIOUS REQUEST IGNORED WHILE THEY TRIED TO STEAL OUR HOME USING FRAUD ~ XXXX**1. Allegations of Fraud, Criminal Activity, and Predatory Lending ~ In review of your correspondence provided to the CFPB, you claim that XXXX XXXX, XXXX, and Nationstar have defrauded you based on the evidence that a Wind Insurance Policy was not added to the Initial Application Documents, HUD-1, Escrow Disclosures or the Initial Payment. As such, you have requested that the loan be rescinded with any lien release documents, property rights, and Titles transferred back to you. XXXX ATTACHED IS NATIONSTAR CONFIRMING THE FRAUD IN WRITING ~ THIS CONFIRMATION OF THE FRAUD IS SIGNED BY THEM AND ON THEIR LETTERHEAD SO WE DO N'T NEED TO QUESTION THE SOURCE ~ THEY HAVE ALREADY ADMITTED GUILT *** WE HAVE ALSO ATTACHED THE ORIGINAL, FRAUDULENT LOAN PACKET WHICH MISLED THE ELDERLY CONSUMER*** IN THE FUTURE WE RECOMMEND THEY DON '' T BUY FRAUDULENT LOANS AND TERRORIZE CUSTOMERS. XXXXATTN XXXX ... IMPORTANT SIDE NOTE, THESE XXXX ALKWAYS THROW OUT THEIR FRAUDULENT RESPONSES BETWEEN XXXX AND XXXX XXXX ON A FRIDAY AND THEY NEVER PUT THE FRAUD IN WRITING, THEY PUT IT IN AN ATTACHMENT WITH THE HOPES THE CFPB AND ATTORNEY GENERAL DOES NOT LOOK FOR IT ... THEY HAVE ESCAPED UNTIL NOW. LOOK AT THEIR ATTACHEMENTS, THEY CONFIRM FRAUD EVERY DAY BUT SOMEHOW IT HAS ESCAPED PROSECUTION. XXXX IN THEIR XXXX XXXX EREPONSE TO ME FOR EXAMPLE THEY PUT THIS IN WRITING ~ " Under the Covenants section on page three ( 3 ) of the Mortgage, it states that all payments accepted and applied by Lender shall be applied in the following order of priority : ( a ) interest due under the Note ; ( b ) principal due under the Note '' AND PROCEEDED TO STEAL 2 HOUSE PAYMENTS WITHOUT PROPER CREDIT TO PRINCIPAL *** THEY CONFIRMED THEY HELD MY MONEY IN THEIR INTEREST BEARING ACCOUNT FOR 60DAYS ... TWICE IN 2017 ... IN WRITING*** ALSO INCLUDED IN THE ATTACHMENTS ARE THE CONFIRMATION OF EMBEZZLEMENT ... THEY STOLE {$1500.00} FROM ME JUST A WEEK AFTER MY XXXX YEAR OLD HUSBAND XXXX ... THIS WAS NO COINCIDENCE ... I HAVE HAD A MORTGAGE ON THIS HOME FOR DECADES AND THIS ONLY HAPPENED ONCE ... DURING MY MOST VULNERABLE TIME *** IF YOU HAVE ANY QUESTIONS ABOUT THE INTEGRITY OF THESE INDIVIDUALS I THINK STEALING CASH FROM A WIDOW AND MAKING HER HOMELESS SAYS IT ALL.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Payday loan, title loan, or personal loan (Installment loan) with Enova International, Inc. (LA).
Issue: Charged fees or interest you didn't expect

Complaint: Sorry for the delay but CFPB must see the " shallow '' response from XXXX XXXX. Again, I submitted to CFPB a copy of the payment schedule as well as the contract via net credit. with my last complaint for CFPB 's view. I am not paying a " lower '' but a higher interest when the terms of my loans were changed which does not reflect anywhere on my contract. CFPB has been silent in this ongoing complaint against this company and I would like to see what you think. I have no " amortization '' sheet! I am going by my contract which does not at all include that the company may " change '' my loan term and charge me at a higher interest rate! I did not agree nor " sign '' to the changing of my loan especially to pay added interest because this company appears to be " A predator lender! '' Make no mistake I will not stop until things are made right and there are laws that actually protect consumers from this type of lending!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Credit reporting () with Navient Solutions, LLC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Someone fraudulently took out FEDERAL student loans in my name using my social security # and dob on XXXX/XXXX/2016 and I have disputed it with the credit bureaus and they WILL NOT take it off my credit report! I did not do this and it is n't fair that someone is getting away with a FEDERAL CRIME! I have also contacted the XXXX, the FTC, the loan company, ( Navient ), the police, and the State 's XXXX and no one will help me. Can you please?

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Debt collection (Medical) with Senex Services Corp. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX medical Center has issued financial aid regarding past due accounts. XXXX accounts have been cleared for removal of debt, regarding the original company accounts. Letters have been distributed to agency for removal of debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I recently attempted to add a checking account to pay my bill on my credit card ( 2 separate cards ). *Platinum MasterCard ( XXXX ) *Quicksilver MasterCard ( XXXX ) Capital One stated the account was not valid so I asked to speak to a supervisor. The leader advised that my account was not active and I need to contact my bank about the matter. I stated I just used my account and its over 20 years old. The supervisor was helpful so we conferenced the call with my credit union, XXXX XXXX XXXX XXXX ( XXXX, Michigan ). They confirmed the information and even sent a letter to Capital One. I also sent the same letter twice and they have yet to add or respond to me. My payment is due tomorrow ( X/XX/17 ). This is unbelievable, I just want to pay these cards and close if they did n't hurt my credit. I 've never had to beg a company especially a bank to take my money.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Mortgage (Home equity loan or line of credit) with SANTANDER BANK, NATIONAL ASSOCIATION (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Santander Bank has not settle Civil terms of XXXX Mortgage .Santander has failed to validate XXXX mortgage debt, as stated in a letter Sent from Santander Bank , Santander Banks has failed to validate XXXX Mortgage by not submitting the banks license to collect a debt in PA and Santander Banks has failed to validate, XXXX Mortgage by also not submitting its OMB control number, under the Paper Reduction act of 1995. 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
Consumer complaint received 09/15/2016 about Credit card () with BARCLAYS BANK DELAWARE (IN).
Issue: Billing statement

Complaint: I paid off complete balance on my Juniper credit card and then they added {$77.00} worth of fees after I paid. This was not a balance transfer which they claim.

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 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have recently obtained a copy of my credit file and there are many mistakes in my report : XXXX/ XXXX XXXX XXXX - XXXX : Unverified account XXXX/ XXXX EXTRAS XXXX XXXX XXXX : I have never paid late XXXX XXXX XXXX : Unverified account

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is a Public Record reporting on my credit reports that is inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law, my case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

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