milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-02-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: My credit report shows that I have or had a mortgage with Homeward Residential f/k/a American Home Mortgage Servicing, in the amount of XXXX and opened in XXXX 2006. I request that Homeward Residential f/k/a American Home Mortgage Servicing respond to the Debt Validation Letter and the QWR letter attached to this compalint. I have never signed a mortgage with Homeward Residential f/k/a American Home Mortgage Servicing. I am attaching a copy of my mortgage and note for reference. 

This goes back to my original theories that no one knows who exactly owns my mortgage and note and that all documents used, i.e., Assignment of Mortgage, etc. are all fraudulent. 
I want this investigated and I want answers.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Debt collection (I do not know) with Resurgent Capital Services L.P. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I am constantly being bothered and harassed by a company called  XXXX   XXXX !!!! The guy named  XXXX  called me at work about a debt I know nothing about requesting credit card information. I advised him I could not talk he called my job.     After that I have received calls on my cell phone and I receive at least two emails from them a day. They are being very aggressive and threatening to sue me if I do n't resolve the matter before  XXXX   XXXX .     I have received  36  emails from the following individuals below just in the month of  XXXX  and today is only the  XXXX !!!     I have received emails from  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  They also said they are c alled LVNV Funding

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have contacted the collection agency and asked them to provide me with contract with my signature to verify that this is my debt to pay. The collection agency has not provided proof of this being my debt to pay. I also have disputed it through the three credit bureaus.

I am unsure what else to do except seek further help in getting these matters resolved. Below is the name of the collection agency I have contacted and asked them to provide me with the above mentioned proof.

XXXX XXXX XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX First time contacting this agency was XX/XX/XXXX. They sent me a print out but no signature. 

The latest letter I sent was on XX/XX/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 01/16/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Couple of month ago I checked my personal credit report and I found out that Portfolio Recovery Associates , LLC aka, " Portfolio '' has reported collection to my credit report. Account # XXXX. This is the first time I found out about collection existence. Immediately - on XXXX XXXX, 2015 I wrote a letter which was sent via US Certified Mail # XXXX XXXX XXXX XXXX XXXX ( you can see the proof of delivery on USPS website ) with Proof Of Service by Mail. I requested : 1. Validation of Debt with all proof copies and 2. I informed Portfolio about how they reported collection to the credit report if they never inform me in writing, but if they did then I requested the copies of these letters. ( Representative from FTC informs me that all collection companies must to inform client in writing 30 days before they report collection activities to my credit reports, this is law ). So, on XXXX XXXX, 2015 they sent me a letter with copy of couple of pages " Bank Statement '' with 1. Not my name on it, 2. Not my Address on it and 3. Not my signature on it. Immediately - on XXXX XXXX, 2015, I sent second letter via Certified Mail with Proof Of Service by Mail # XXXX XXXX XXXX XXXX XXXX back and I inform them that all information that Portfolio sent me is not mine and this is NOT a Validation of Debts. I told them that I believed this is may be the ID theft. One more time I requested a copies of letters with Portfolio sent me 30 days before they filed this collection to the credit bureaus. Couple of month later I still do n't have any more proof from the Portfolio. This company has no legal right to collect one dime. 

Now, I am filing the complaint because of I would like to inform that Portfolio is doing fraud and this company should not be existed. Also I would like to request help from your company. 

THIS COMPANY IS IN VIOLATION OF THE FAIR DEPT COLLECTION PRACTICES ACT BY THE USE OF MISLEADING REPRESENTATIONS AND UNFAIR AND DECEPTIVE PRACTICES IN THE ATTEMPTED COLLECTION OF AN ALLEGED DEBT. THIS COMPANY MUST STOP TO REPORT COLLECTION AND MUST TO DELETE COLLECTION FROM CREDIT BUREAUS AND MUST CLOSE THIS ACCOUNT AND MUST TO RETURN THIS ACCOUNT TO THE ORIGINAL OWNER WITH OUT SELLING OR RE-SELLING. 

All communication must be in writing only. I do n't want to speak with collection who may lie later by adding something that I never pronounced. 

I hereby authorize the release of any financial information from this company to CFPB to assist in this resolution process.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage servicer is charging me {$1000.00} in what is called " other fees '' on my mortgage statement. I do not and should not owe these fees, nor do I know what these fees are in regards to.

Company response to consumer: Closed
Consumer complaint received 09-03-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (WI).
Issue: Loan modification,collection,foreclosure

Complaint: All of this started back in XXXX 2012 because my husband had surgery. We fell behind and we had requested to have our mortgage put into a locked in rate and in the HAMP program. They had us keep sending papers and nothing was ever done. Somewhere in the process our mortgage was sold from XXXX XXXX XXXX to SLS. Somewhere they had claimed we had a modification done. This was n't true, we had a mediation with the court and they were unable to provide us with this. They are trying to add {$100000.00} to our mortgage and want us to sign this for a house that is valued at {$120000.00}. This equals to $ XXXX.This is totally unfair and to me actual robbery in my opinion. How can they ask to add that kind of money to the loan. All we ever wanted was a lower rate. We wanted the rate to be lowered from 10 % to an affordable rate. Then we tried to hired an attorney because they served us papers and that scared us. So we do n't have her anymore. She was clearly taking advantage of us and all we ever wanted was to have the mortgage payment to were we can afford it. They are in the process of foreclosure and all we ever asked was for help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I was on the site of another merchant when they had a tab for " free credit reporting ''. When I clicked on the tab I was told this was not free credit reporting and my credit card was charged at least {$1.00} with transunion with my debit card from XXXX ending in XXXX associated with checking account XXXX.and possibly will be charged again in the future. I already have similar services with other companies. I want this cancelled and my {$1.00} refunded and not to be charged in the future.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (PA).
Issue: Deposits and withdrawals

Complaint: On XX/XX/2017 I deposited {$7500.00} check to Wells Fargo ( check was from my XXXX account ). Deposit receipt ( attached ) clearly stated that all the money was to be available the next day - XX/XX/2017. Relying on this information, I made a large payment as of XX/XX/2017 ( from Wells Fargo to XXXX ) ). The next morning I saw my {$7500.00} withdrawn already from XXXX ( copy of cashed check attached ) but deposit was placed on hold until XX/XX/2017 in Wells Fargo ( due to need of verification - as explained to me ). I went to the branch where I deposited ( with copy of my cashed check in hands ) - they directed me to call the main number to release this hold. I was on the phone then with XXXX people ( customer rep and from Consumer department ; offered be on line while they verify with XXXX if needed ) - was told to go to the branch where I had initially opened the account and ask the branch manager to remove the hold. I went there - the manager was not there, nobody else could remove the hold ( no guaranty that the manager would either ). In the meanwhile, my balance became negative from payment that I have made relying on this availability. As a result of the broken written promise of funds availability, I had to waste significant part of my work day trying to resolve the issue and had to borrow funds in cash to cover negativity on the account. Basically, Wells Fargo was holding my {$7500.00} ( already taken from my other account ) for nine days - free of charge and contrary to the availability indicated on the receipt. Pure deception and disregard to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Debt collection (Credit card) with CASHCALL, INC. (CO).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I am being harassed and threatened by XXXX about some debt owed that I do n't recall. They say I owe Over {$9000.00}. 

They contacted me and surprised me and pushed for me to settle the account. I did not know what to do with being threatened with court and the balance. 

I in duress set up a plan based on the threats. Once I got home I still could not remember aby debt from Cash Call. They said I probably took out a loan for {$2500.00} but I owe over {$9000.00} now. 

I requested some kind of proof to show me what the bill is and they refused. They told me that " they will only send proof to an attorney so I better get an attorney ''. I ca n't afford an attorney for a debt I font even remember or know is mine. I requested proof several times and told them I dispute this debt until proof of the debt is supplied. 

XXXX who is the collector said that I am an irresponsible person and I should be checking my credit once a year. I pulled my credit and could not find this debt. 

They just emailed me that they are sending to the fraud department for investigation. All I asked for is something showing it is my debt. 

I ca n't handle the threats and abuse anymore.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Debt collection (Credit card debt) with Lefkoff, Rubin, Gleason & Russo, P.C. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The account balance owed with XXXX XXXX was {$7000.00}. I called XXXX XXXX to get th balance paid to improve my credit report and they gave me the contact information for lawyer office that had my account. I reached out and spoke with XXXX XXXX about setting up an agreement to pay the balance. He told me that I had no choice but to pay a high amount for the payment plan. I kept advising him that I could only pay {$120.00} per month. After months of him telling me that he would have to see is XXXX XXXX would agree with the amount for monthly installments, he finally said that XXXX XXXX approved my request to pay {$120.00} per month. When I would call XXXX XXXX, they would tell me they no longer had my account. However, XXXX XXXX makes it seems as if the account has to be approved by XXXX XXXX for payment agreement. He advised that I was not allowed to mae any payments until the agreement had been sent to me in the mail and signed and returned to him. It took over two months for the agreement to arrive to my home after calling XXXX XXXX to ask about the status, he said he would resend it. The agreement was made to pay {$120.00} per month with the first check processed on XX/XX/XXXX. I had paid {$120.00} every month thereafter. I had missed the payments in XXXX and XXXX then sent a {$250.00} check to the company onXX/XX/XXXX. I confirmed with the agency speaking with XXXX XXXX and he agreed to reach another payment agreement. We confirmed the payment arrangement would be {$120.00} every month moving forward on XX/XX/XXXX. The balance had been paid down to {$6300.00} at this point. I was served with a complaint filed from the collection agency/lawyer on XX/XX/XXXX. I asked XXXX XXXX if I could pay the {$120.00} until I receive the new agreement of payment by XX/XX/XXXX ( per his request ), he told me that would not be a good idea to make payments towards the balance until the letter is received and signed then returned back to him. I filed an answer with the state court to confirm the balance on XX/XX/XXXX to avoid judgement not disputing the debt owed. XXXX XXXX sent me an email onXX/XX/XXXX stating that my balance with all fees and costs will be : {$7200.00}. The principal balance on the account is {$6300.00}. The balance with fees and costs is higher than what was owed to XXXX XXXX initially. The balance owed for my debt is {$6300.00}. Now I am getting this charge off reported on my credit report every month since XX/XX/XXXX. I am a XXXX  mother just trying to pay this debt off so that I can move forward. I am unable to find housing because of this chargeoff and it seems to have become a heavier load on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have been paying off my private loan for 8 years, and my balance has gone up over that time, rather than down. I have made numerous phone calls to talk about different payment options, and have been hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Debt collection (Other debt) with N.A.R., Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have a company my name of XXXX XXXX XXXX attempting to collect a debt I do not owe. I have attempted to resolve this issue with debt collector but company refuse to provide any type of evidence that this debt belongs to me. Only thing company has done is send statement in mail but has not provide me with any proof

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (TX).
Issue: Managing the loan or lease

Complaint: Had my auto loan refinanced, the refinance company paid off the loan, and the original creditor reported my account has 30 days late to XXXX major reporting agencies, which my my XXXX score drop by XXXX points, after the loan was paid the original creditor called and said I owe {$76.00} to close the account I paid the amount and considered it closed, but the still reported it as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/29/2015 about Mortgage (Other mortgage) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Settlement process and costs

Complaint: I 'm a XXXX who performed work as per agreed contract proposal, however the property was foreclosed, and sold in the middle of construction, the insurance company paid the mortgage company in full for the Accident Repair work to be performed, the mortgage company sent a " Conditional Waiver and Release of Lien '' for me to sign and send back. I was also instructed to await the agreed final payment and to cease all work, I did as directed. I sent it back XXXX XXXX, 2015 ; however I still have not been paid as promised ( stated on conditional lien release )

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX did a hard pull on my credit without my consent. I inquired about a loan at a branch, gave all my personal information and asked to have my file sent to an underwriter. But I never agreed to have my credit pulled. No disclosures were given to me and no consent was obtained verbally or in writing. I called XXXX XXXX after a hard credit inquiry appeared on my credit report to have it removed. They were going to speak with the branch banker who had only ever taken one application prior to mine and get back to me. I called three times, spoke to employees in various offices, and a woman promised to get back to me. I told her this was clearly a regulatory violation ( FCRA and Regulation V ), reporting a credit inquiry without having obtained consent or providing disclosures. Please ask XXXX XXXX to remove this incorrect information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2017 about Checking or savings account (Other banking product or service) with First Data Corporation (TX).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Third party XXXX XXXX involved in XXXX XXXX. 

XXXX XXXX extortion is an infringement of XXXX. XXXX XXXX has neglected to give data to the buyer and characterize how the purchaser can constrain risk on account of theft-loss, or dispute or cash was stolen from account-holder by deceitful falsification, portrayals or guarantees profited XXXX. 

Denied bank administrations : ATM, immediate store ( payroll checks ), ACH or point of sales, Getting cash back. 

XXXX XXXX administrations being conveyed with suspicious requests and/or dark record information. 

Hasnt enabled me to get cash from my paycheck utilizing their XXXX XXXX payroll card by XXXX. Doesnt permit me record views, i.e. Statement, Checks paid, Transfer, transaction history. 

XXXX XXXX is liable to compensate to consumer as it amounts to deficiency in service.

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 06-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX My credit score has been effected by a XXXX card never issued to me. I was buying tires and needed them immediately. Considered opening an account but found out I would not receive the money on my purchase for 2 weeks, so I cancelled the transaction to receive the card. Brought my credit score below excellent!!

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 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ONLINE Information Services, Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To Whomever This May Concern : My name is XXXX XXXX XXXX and I have 3 collection accounts on my report that do not belong to me. Also one of the companies are reporting twice on my report, which is, Online Information Services with 2 different amounts, and XXXX XXXX. These items do not belong to me at all. I am attaching my police report and my DL attached to this complaint. The 3 items listed are : Online Information Services-XXXX, Online Information Services-XXXX, and XXXX XXXX. These items need to be removed off of my report immediately or I will be filing multiple complaints with the Attorney Generals office and the FTC. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: i lost my wallet on XXXX XXXX XXXX i received a call regarding unauthorized use of my debit card from wells fargo bank. i confirmed with them that the charges were fraudulent and they issued a new debit card and restored the funds. 
on XXXX/XXXX/XXXX wells fargo informed me that investigation was completed and my request was denied. i contacted bank several times but they refused to provide any explanation why my claim was denied and the only reason they provided that my pin was used. i explained that I used my card at gas station for the last time and after that there were fraudulent charges and i did n't know how my pin was compromised. 
according to the Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205 i am not liable for any unauthorized charges and i want my funds to be restored.

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 03/30/2017 about Credit card () with BARCLAYS BANK DELAWARE (FL).
Issue: Credit line increase/decrease

Complaint: I understand that there are no laws regarding a banks right to decrease a consumer 's credit limit but today I saw where Barclay reduced my credit limit of {$3500.00} with a balance of {$1900.00} to a credit limit of {$2100.00}. That changes this card 's utilization percentage from 56 % to 91 %. This account has been open a year, I 've never missed a payment with them or any of my other accounts in the last 3 years. My overall utilization score was about 35 % and I have no collections and no public records. This is the second company to cut my limit raising my utilization score and lowering my credit score. It 's not fair that I be penalized for using my cards, paying interest and making payments on time, especially when they did n't even consult me about it! They claimed they used information in my XXXX report, which is only XXXX of XXXX reporting bureaus and has out of date information as payments and charges fluctuate on a daily basis and take time to filter through to the bureaus. Someone needs to protect consumers that pay their debts on time and still get penalized.

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