milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OCWEN LOAN SERVICING LLC (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX XXXX XXXX XXXX will not answer any questions in any format email, mail, phone I even submitted a public records request and a FOIA ( Freedom of Information act request. 
They sent me a conflicting XXXX forms with different info and " Lender '' and in XX/XX/XXXX a XXXX with yet more conflicting information. 

I need them to Clarify and explain what has been submitted to the IRS a government Agency. 
Letter was sent in a Ocwen Envelope with a XXXX XXXX XXXX XXXX Letter and Lender Tax ID number Explain & Clarify : ( 1 ) XXXX  XXXX FMV ( Fair Market Value ) why is one XXXX in XX/XX/XXXX and balance of principal outstanding ( XXXX  ) XXXX ( 2 ) Date of aqusition XX/XX/XXXX and ( 3 ) address XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX ( 4 ) XXXX in XXXX date of identifiable event XX/XX/XXXX ( 5 ) Discharged debt XXXX? How did they come up with this amount? ( 6 ) FMV ( Fair Market Value ) XXXX XXXX ( 7 ) Addressed XXXX XXXX XXXX XXXX, Washington DC XXXX but envelope address is XXXX. XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Other

Complaint: I XXXX XXXX paid XXXX creditor Capital ONe NAre : Kohls department stores account ending XXXX reference # XXXX I paid {$560.00} the settlement amount they were going to delete this from my credit and this is still showing I paid back on XX/XX/XXXX and today XX/XX/XXXX still showing I deserve better credit consumer protection cheched mailed to XXXX FL XXXX check # XXXX today XX/XX/XXXX called spoke with XXXX for few minutes then she hanged the phone tried many times never answer the phone I re-tried asked to speak to a manager they hanged the phone XXXX more time. is this a true company XXXX credit capital one for kohls department stores inc a valid company they took my {$XXXX} in XX/XX/XXXX as consumer I deserve better consumer protection. XXXX XXXX XXXX married name divorced main name now XXXX I paid this account to delete records from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Debt collection (I do not know) with Navient Solutions, LLC. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received calls from a General Revenue Corporation on a debt they claim is owed by my partner. To date, they have called : * me * my mother * my father * my sister all on our personal cell phone numbers. None of these numbers have been provided as contact points, and there is no overlapping financial concerns that would associate us with this claimed debt. I called General Revenue in an attempt to obtain an address where I could send a registered " do not contact '' letter, and was directed to a separate XXXX number for their complaint department. I was told this department would be able to provide me with the information I requested. This number went to a voicemail box, and so far I have not received a call back. I called back to the original number, and was told the complaint department is the only place that can assist with this information I understand they are required to supply.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Debt collection (Federal student loan) with National Enterprise Systems, Inc. (MI).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Had a call from a debt collection agency by the name National Enterprise. This rep/so called manager " XXXX XXXX, Ph. XXXX EXT. XXXX " was so rude and very unprofessional. He intimated that he was calling on behalf of XXXX XXXX and that, my loan is delinquent. I told him, l was currently unemployed and looking for a job and as soon as l find one, l will resume my payments. This guy will not listen to simple explanation! He proceeded to obtain information about my wife. What she does for a living etc, and if l have a XXXX to draw from to pay the debt? He went on to threaten me that, if l do n't pay the debt, l will find myself in a " tight spot ''. I had to finally hung up but he proceeded with few more calls to my home thereafter. Are there no laws protecting citizens who owe student loans anymore? What type of society do we live in now?

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (GA).
Issue: Struggling to pay mortgage

Complaint: I called to request a loan modification and was told by an agent that I did not qualify for a loan modification, and in order to do so I would have to stop making payments in order to qualify for a short sale or a deed-in-lieu. 
I began completing paperwork to begin the short-sale process. While doing so, I stopped making payments, as advised. I listed my house for sale with a real estate agent, and have since gone under contract for {$100000.00} which is roughly {$7000.00} over the payoff amount of the mortgage. 


Whenever I forward the information to Ditech, they tell me one of the following, in various orders : ( a ) they have not received it ( b ) its not complete ( c ) its the incorrect form ( d ) its nothing that they can do ( e ) they are not going to do anything to change the foreclosure date I have never been able to complete the paperwork, according to ditech even though I am constantly following up with them. Ditech 's representatives make it entirely too difficult to complete the paperwork, as most of it is not available to be done via a webapp and it 's hard to verify or confirm whether or not they have truly received my paperwork via fax and/or email. I have even heard that my emails are too hard to read so they have thrown them out. My real estate agent and I have both pleaded with the company telling them that we have offers far above the payoff amount of the loan. It seems that the mortgage company is more interested in foreclosing on my home than they are with actually helping me to sell 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 12-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (AR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: These companies used the shot XXXX approach on my credit report with consenting me its damaging to my score

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: On    XXXX   XXXX     2017 I   d eposited a check from  XXXX   XXXX     in5o my account in wells fargo bank they released  XXXX  and told me they wont release the rest for 13 days in what!   XXXX   XXXX   XXXX    bank holds a check for  12    XXXX   XXXX   XXXX   days when the bank is in the same state and because of that holds which was their to get me out of debt they continued to charge me overdraft fees that just made me spiral downwards. I want answers I want to know how your protecting my money as a consumer. I want answers NOW!!!!!    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 monetary relief
Consumer complaint received 11/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ECMC Group, Inc. (IN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: a collection agency named premiere credit tapped in freeze my bank account they never send me any letters in mail they were sneaky freeze my bank account until they are paid i try talk to those idiots and collection agency they are very rude they caused me emotional stress

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 04/28/2017 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 obtained my credit report and discovered multiple errors with accounts from  XXXX   XXXX   XXXX   XXXX  stating I owe {$590.00} and {$690.00}. I sent a certified letter to the company asking for VERIFICATION but the company did not provide any documentation to me. Neither did  XXXX , Equifax, and  XXXX  disputed these bogus accounts. There is no account numbers associated with these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Transunion is listing an account from XXXX XXXX XXXX. I disputed the account as invalid. I owe no money to anyone. Please delete this account ASAP.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CO).
Issue: Settlement process and costs

Complaint: I have been working on selling our home of 30 years since XXXX 2015, Unfortunately as everything I own seems to be worth less than what I owe. I am resorting to a short sale and even asked if we could do a deed in lieu of they said NO!!! we have the property listed with a very reputable realtor. we have submitted every document on the list ( even several times ) for the same doc. 
We have been waiting weeks for any kind of answer. When I call they say they dont need anything else but still will not move forward. This week we were notified that it was going to another new processor. Just to go on the bottom of someone else 's pile of to do stuff. Out of everybody My family and I have worked very hard to keep this home even thru hard times but we always pulled it out. We are the only ones loseing here. My idea was to sale this home later for our retirement next egg but they tell me the home needs to moany upgrades with nothing wrong with it?? go Figure, Please Please if you have anything that can help speed up the process that would be great!!!!! Thank You for your time. 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: My Name is XXXX XXXX and I have a mortgage with chase my loan is XXXX and I lost my job and I fell behind on the mortgage. I am request assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with NETSPEND CORPORATION (NC).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: i bought the card at dollar general on   XX/XX/XXXX     and they put a hold on the card and i was trying to use the card to rent a uhaul to move and thet wouldnt take the hold off. i was calling how many days in a row and they still didnt wan na take the hold off the car. so the  one  day i called and told the company i demanded the {$500.00} sent in a check on   XX/XX/XXXX     and they said i would receive the check XX/XX/XXXX and i still didnt receive it. i gave them  3  extra days and called on the  8th  and they said i had to wait more  3-5  days for them to track the check and i called today the  11th  and they still told me i had to wait. im very irritated with this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am victim of identity thief I have fraudulent inquiries on my credit report for credit I do n't apply for XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Att XXXX XXXX XXXX XXXX auto XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX bank 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 fin XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fin XXXX XXXX auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  fin XXXX XXXX auto 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 11/26/2017 about Debt collection (Other debt) with Amsher Collection Services, Inc. (AK).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I checked my credit and saw that there was a collection account for approximately {$2400.00} from Amsher collections regarding a debt owed to XXXX. I paid XXXX off when I moved out of the continental US and could not have their service anymore. I have not received ANY phone calls, letters, or other communications from XXXX or Amsher regarding an outstanding debt. It is now reporting to my credit and needs to be removed. There is no outstanding debt and I was not given notice with a chance to dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Mortgage (FHA mortgage) with U.S. BANCORP (FL).
Issue: Loan servicing, payments, escrow account

Complaint: US Bank is charging me a convenience fee to have my loan payoff faxed to me of {$5.00}. They apparently charge {$20.00} for all other loan types to be faxed. To obtain the payoff via mail it is free. I find it very hard to imagine that a fax costs {$5.00} to be faxed. The only justification that XXXX gave is this is a convenience fee, which is absurd. It would cost them more to mail me the letter.

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 05/17/2017 about Debt collection (Other debt) with Perfection Collection (AZ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have never received any written correspondence from Perfection Collection verifying the debt they say I owe. I am entitled to written verification of the debt, to include the original debtor, amount of the original debt and fees now assessed to date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (FL).
Issue: Taking out the loan or lease

Complaint: Hello XXXX XXXX complaint Ally inspected my Blue XXXX car and wants {$180.00} dollars for a scratch that is definitly under 2 ''. See Pic. Me and the dealer walked all around the car and did not see anything. I even bought the touch up paint the day before and fixed a larger scratch that they did not even make thier wear list. I would have fixed this if I saw it. I did check. 
The dealer did not mark up a inspection sheet like the rental agreement I found in the new car. This should be standard procedure for leesee turn in. It is for rentals. This is a big hole in the system I can send pictures. 


2nd complaint Ally agreed on XXXX to accept {$580.00} dollars by a XXXX on XXXX. XXXX ( another Ally rep recognized this note on XXXX. 
A third rep XXXX on XXXX recognized a note but blew it off as meaningless. 

The letter is asking for {$640.00}, when XXXX was agreed on. 

Are verbal agreements with leasing companies meaningless Thanks for any help 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 03/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had an account transferred to Midland Funding which is a collection agency. I called and Midland agreed to settle for a percentage. I paid the percentage agreed and have received XXXX letters from Midland advising that my account was settled for less than the amount owed and the account is closed. Midland is however reporting that my account is still open with a balance due. I have called numerous times and Midland has verified that my account is closed. I am trying to obtain a mortgage and this account is preventing it. My mortgage broker attempted to have my credit rescored using the letter from Midland and their legal department which advised that nothing is due. When rescoring Midland advised XXXX that the account is still open with a balance due and has now updated my credit report to say the same as of XXXX XXXX which is after the date of the initial letter. I called Midland again on XXXX XXXX and they advised that they would send a letter saying closed but have failed to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Good morning, this is my third time trying to solve this issue with Equifax and XXXX they have to be the two worst company on this planet, they are irresponsible, arrogant, do n't care about customers, they take their time to respond to customers. 
They are reporting inquiries on my credit report which I never applied for any product, I have a vehicle so I do n't need a car loan and I will like to know why I have more than 20 inquiries less than a month that is unfair and I need justice. please help me to sue these companies. please help they are ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen 's letter dated XXXX XXXX, XXXX CFPB case # XXXX responded that they acquired the loan from XXXX XXXX/XXXX/XXXX and that loan originated XXXX/XXXX/XXXX by The XXXX XXXX XXXX. Ocwen further stated that they had mailed 'on numerous occasions ' copies of the stock certificate '. They also stated that original documents were kept by the owner of the loan or trustee for the owner of the loan and that Ocwen did not have the original documents. 
Ocwen in the same letter attached a copy of a pooling and servicing agreement between XXXX XXXX and XXXX XXXX XXXX XXXX listing XXXX XXXX as the investor. 
However, in his latest response, they are now stating that they are issuing an affidavit of Lost stock and lease (? ) How is that possible if they were saying that all they had were copies and original documents were with the owner of the loan (? ) investor?? 
The pooling agreement Ocwen mentioned in his letter above, was never part of his files. Records obtained from Ocwen which included over XXXX pages of documents included no such agreement. Instead, copies of XXXX affidavit of note lost was included which had been transferred to Ocwen as part of the servicing transfer. Multiple associates established the same conclusion. Also, how is that Ocwen produces a pooling agreement between XXXX XXXX and XXXX XXXX XXXX XXXX when neither one of them had been part of the Co-Op conversion nor, again, of their files?. Furthermore, Ocwen first refers XXXX XXXX as the property management and then as the investor. Investors, as far as I have been informed DO NOT get the original loan documents,,, the loan owner gets it and the banks are required to keep them in custody. 
Per document attached. A record of events as recorded by Ocwen, they did have the collateral file, reviewed it with investors and then returned it to XXXX XX/XX/XXXX ( custodian ). Why did Ocwen state then that they did n't have the collateral documents and why are they now issuing an affidavit of loss documents? if, again, they originally stated that original documents were never with Ocwen (? ) Why did they return the collateral files to custodian and then claim that they had lost it?

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2015 about Mortgage (Conventional fixed mortgage) with Credit Union Mortgage Association, Inc. (MD).
Issue: Application, originator, mortgage broker

Complaint: I applied for a mortgage for a rental property. Prior to denial they never asked for nor received any verification documents. When I protested not the denial, but the way they had arrived at the decision, they changed loan officers. I then provided tax returns and bank statements as verification of income. I was once again denied. I never received any official documentation as to the application, nor did I receive a denial letter, containing the reasons for denial. I believe I was also supposed to receive something containing my credit score. I have no documentation to upload in support of this complaint because I was never provided with any. I do have emails to and from the company. That 's it.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Harassing phone calls, multiple phone calls, calling and disclosing personal information to relatives, this debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation