milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/19/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: This an addendum to previuos complaint again st Ocwen Servicing.Both  previous Loan Modification are not included in the paperwork that has been mailed to you.I had a Loan Modification in XXXX  with  GMAC Mortgage  with a fixed rate of 4 %, also  Hamp Modification was approved by Ocwen Loan Servicing i n  XXXX   XXXX .My relationship manager at that time was  XXXX   XXXX  who called me in  XXXX , AZ whil e I w as on assignment there.As previously outlined the court trial on  XXXX   XXXX  evolved around the issue of not having received the actual paperwork in  XXXX , NV un til mid   XXXX   XXXX .The file mailed to me by your agency contained the shipping label and a piece of paper with my fprwarding address.The argument being served via Publication therefore is unfounded.According to a law firm in  XXXX   XXXX   XXXX , Florida  the letters I mailed to Ocwen Loan Servicing requesting information meeting criteria for QWR under the truth in lending and therefore should have been ans wered.There is no mentioning of any Loan Modification on the original complaint to the court.Both parties,  Ocwen Loan Servicing a nd  XXXX   XXXX   XXXX   XXXX   XXXX   are one entity  and not two  XXXX   XXXX , Attorney for   XXXX   XXXX    XXXX   XXXX , and  XXXX   XXXX   XXXX , Loan Analyst for  Ocwen Loan  Servicing should be  held accountable  for an explaination.Furthermore,  XXXX    XXXX    XXXX  Dollars were deducted out of my bank account by  Ocwen Loan Servicing WITHOUT my authorization.Under  RESPA  ,  QWR, Truth  in  Lending, Regulation Z I hereby request following items : COMPLETE copy of BOTH Loan Modification including cover letter.Under the information request QWR, name and address of unassigned lender or private investor and explaination for unauthorized withdrawal from  XXXX   XXXX .Thank you for your attention in this matter.Respectfully,  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Debt collection (Federal student loan debt) with ATG Credit, LLC (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I recently received a response from ATG-only thru CFPB complaint-the company has never mailed a letter or anything but put an {$18000.00} debt on my credit. To this date they still have never mailed a letter either. They claim they sent a CARD with something on it showing my debt and classes a CARD-but not a letter NEVER HAPPENED. 

After receiving a response from CFPB- ATG advised that I withdrew from XXXX and that XXXX returned all loans back to Student loan. I never ever withdrew from school- In fact I was able to access my information today thru XXXX and noticed that they still have letters approving me for financial aid effective thru the end of XXXX. 

1. If I withdrew from classes-what date did I withdraw? 

I have class schedules, grades from teachers, and financial aid that was paid to XXXX-those will be attached from XXXX. Even award notices thru XXXX-screen shots. 

2/ XXXX stated that I could not receive student loans because of XXXX XXXX-but I am attaching document approval screen shots from financial aid department-and funds accepted. 

IF I DECIDED not to go back to school-then according to Federal Student loans-balance would start being paid back 6 months after out of school. I continued school-I never decided to quit or withdraw. I would owe Federal loans money not a private collection agency. Why would you return my loans after a year of taken classes-Why would you accept loans for a year or two if I withdrew and never attended. 

Please provided answers. and remove from credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Bank account or service (Other bank product/service) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NC).
Issue: Account opening, closing, or management

Complaint: I am writing to complain about the extremely poor handling of an identity theft situation at USAA, which has never been resolved. This is the first time I have experienced identity theft, and I am shocked at the haphazard way that USAA handles fraud situations. 
I discovered in XXXX of this year that XXXX accounts were opened in my name ( received a statement by mail ), although I have never had any kind of account with USAA. I immediately called the fraud number, assuming they had a system of handling such situations efficiently. However, I found that was not true. I had to call over and over, each time getting another agent, and having to explain my situation again and again. I also received conflicting information from the various employees I spoke with. Many of them promised to call back, and only one ever did. I was not allowed to speak to anyone in the fraud department. They refused to assign one person to my case. 
I was told that someone had enough personal information about me to be able to get through their security questions in order to use the accounts. This was very concerning to me. No one in the fraud protection system seemed to have an efficient process to investigate the situation, or to insure me that my identity was protected.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Debt collection (I do not know) with Law Offices of Goldsmith & Hull A.P.C. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I mistakenly received a letter dated XX/XX/2017 with a case number XXXX attempting to collect an unknown debt for the amount of {$7300.00}. They have threatened legal action by the United States of America ( USA ) citing an unknown case number and they are harassing me and my family for information.

Company public response: Company believes it acted appropriately as authorized by contract or law
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. (OR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My social security number, credit information, and other sensitive data was breached from the Equifax breach. This hack happened much prior to their acknowledgement and I received no notice from them. Offering 1 year of credit monitoring in exchange for agreement to no class action lawsuits is not a fair solution to their lack of cyber security nor their silence for weeks after the breach.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: EQUIFAX IS NOT REPORTING MY MORTGAGE INFORMATION, CALLED SPOKE WITH THEM AND SPOKE WITH XXXX HE SAID FINALLY GIVE IT 30-60 DAYS BUT HE COULD NOT ANSWER WHY IT IS NOT ON THERE NOW. I HAVE HAD THIS MORTGAGE FOR AROUND 15 YEARS AND NO EXPLAINATION WHY IT IS NOT THERE NOW. I CALLED MY MORTGAGE COMPANY AND THEY TOLD ME THEY SENT REPORT XX/XX/2017, SO I CANT GET A STRAIGHT ANSWER WHY EQUIFAX HAS NOT REPORTED ANYTHING, THIS IS HURTING ME GETTING RE-FINANCE OF MORTGAGE AND CAR LOAN. I FEEL LIKE THEY COULD GIVE ME REASON WHY BUT HE COULD N'T. XXXX HAS IT, XXXX HAS IT BUT WHY THEY DONT I DONT KNOW. I WANT IT FIXED NOW! 
THANKS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, INDIANA XXXX ATTACHED IS FROM XXXX AND THE OTHER PAGE IS FROM HOME LOAN APPLICANT

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: Citi recently changed its rewards program for the XXXX XXXX XXXX. The changes include a {$250.00} air travel credit. The language on the terms and conditions implies that the credit for the year is valid throughXX/XX/XXXX of each year, which convinced me to keep the card and continue paying a high annual fee for it. 

However, after making a {$370.00} air fare purchase ( specifically due to this benefit ) on XXXX/XXXX/XXXX, the customer service department informed me that the XXXX credit expires on XXXX XXXX rather than at month end. This is intentionally confusing and designed to be mislead consumers into not being able to utilize the benefit.

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 12-02-2015 about Credit card () with AMERICAN EXPRESS COMPANY (OR).
Issue: Late fee

Complaint: I started using a new card with American Express called the Every Day card. I have been using their gold card since 2001 and paid on time. I always pay my bills at the first of the month and assumed that would be the due date for this card. Yesterday when I went online to make the payment, I noticed the due date had been on XXXX XXXX instead of XXXX XXXX. I had been charged a {$27.00} late fee. I called the company and requested the fee be waived. They denied my request. I believe this request is reasonable and American Express has always been great to work with in the past on billing disputes etc.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: In XXXX I opened a XXXX XXXX XXXX card that offered two free nights with a spending limit. I have not received the two free night and have been following up since XXXX and keep being told that I need to wait but that the certificates are coming. I would please like the nights to be issued immediately as I have met the terms outline when I applied. 

I 'll attach a screenshot from your XXXX team. They confirmed the spend and terms of the bonus and asked me to reach out mid XXXX if I had n't received the free nights. 

When I ddi n't receive the certificates in XXXX, I called on XXXX and spoke with XXXX who confirmed the spend and said I would have the certificates shortly. The reference number she gave me is XXXX. 

It 's now late XXXX and I do not have the certificates. Please issue them since I have been promised them several times by 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 03-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX started sending me a bill for an account that is not mine. I do not have XXXX. I have XXXX XXXX and XXXX XXXX XXXX. No landline. XXXX failed to produce any proof that this account is valid and not fraudulent. I contacted XXXX four times and they obviously ignored me. 
XXXX Account no. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I disputed XXXX reporting XXXX accounts on my Equifax credit report. It has been verified that these items are accurate. XXXX XXXX XXXX is in violation of federal and state law for inaccurate reporting. Both accounts with XXXX XXXX XXXX were marked 120 days past due in the payment history which is impossible because they are a collection agency not an original creditor it is also reporting as a factoring company which is impossible as well because factoring companies only by open debts not charged off accounts. Due to their unlawful credit reporting they have jeopardized the integrity of my credit history by causing my delinquency to appear more recent and the debt is over 4 years old. Please remove this inaccurately reported items from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Barclays bank continues to send me correspondence that there is a balance owed and due when in fact we have settled the account and the account balance is XXXX. Barclays has not updated the credit reporting agencies and will not provide written confirmation that the account has been settled and is at a XXXX  balance and has not provided that information to the credit reporting agencies. XXXX XXXX at Barlcays will receive this complaint and that is the person who I have been trying to get this information from. XXXX is not going to provide an unbiased response on this report and so it should be transferred to another corporate representative to prepare the response.

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 10/19/2017 about Debt collection (I do not know) with Retrieval-Masters Creditors Bureau, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I checked my credit report and to my surprise there is a collection account for {$220.00} from XXXX XXXX XXXX. I sent a certified letter to the address that appeared on my credit report but never heard anything. I do not owe this debt and this is really hurting my credit while trying to buy my first home. This needs to be taken off my credit report immediately or my next step is to seek immediate legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: They would remove the inquiries then they would put them back on, I do n't know why they would do that, only Trans union and Equifax are the ones that keep doing it. I have some letters from some of the creditors letting me know that they have requested that the inquiry be removed. I let them know that I did not apply for credit for any vehicle at any XXXX XXXX they ran my credit 17 times in one day, at one time I had worked to hard to build my credit no way would I consent to this. They are all on XXXX XXXX, 2014 with XXXX on XXXX XXXX, 2014 I have asked them to remove them I have written all the creditors as well as the credit bureaus and still they do the same thing please help me I am at a lost here. If the other creditors know this was not me then they should to I have written all of them.

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 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On XXXX XXXX, I mailed to Experian via XXXX certified mail, a letter and other related documents regarding they open an investigation on my credit report. The documents consisted request for validation of Accounts XXXX XXXX XXXX  XXXX and XXXX and notification of identity theft accounts XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX XXXX. The identity theft report also included inquiries. 

The documents were delivered to Experian on XXXX XXXX, XXXX, in XXXX TX. 

To date, I have not received any information related to the above information and 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 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Dear CFPB, XXXX / XXXX XXXX has been reporting a charge off on my credit report for years. I have tried countless times to call XXXX and have been unsuccessful.
The negative mark has prevented me from purchasing a home and left me in the perpetual cycle of renting and being unable to build any type of financial security.
I asked XXXX to verify this debt and disputed multiple times with various bureaus. They report that it is verified without sending me any information. This XXXX account could be any number of people with the same name. It is not my address. It has a XXXX balance and claims a payment was made in 2013 but they will not provide any proof or documentation to substantiate their claim.
Would you please assist me in getting this charge off removed from my credit report immediately? XXXX has n't responded to any of my requests and I really need your help. I greatly admire all of the work you are doing to help the little people like me!
Thank you in advance,

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 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I submitted a dispute online to Experian regarding several the XXXX times XXXX XXXX of CA is on my credit report. Experian never removed any of the errors on my credit report and continues to erroneously report them which is having a grave impact on my XXXX XXXX. The letter for Verification of Debt was sent to XXXX XXXX of CA in XXXX, XXXX and they never sent a response to me and continue to erroneously report many accounts on my credit reports.

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 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have send Equifax several letters disputing inquiries that I did not authorize. For the following companies : 1. XXXX-XX/XX/XXXX 2. XXXX XXXXXX/XX/XXXX 3. XXXX XXXX-XX/XX/XXXX 4. XXXX XXXX XXXX-XX/XX/XXXX 5. XXXX XXXX XXXX-XX/XX/XXXX. 
The last letter send certified with tracking number XXXX in which was received XXXX XXXX by Equifax and they have ignored my letter. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and serious breach of my privacy rights. Equifax has failed to validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature authorizing an inquiry in the absence of any such documentation bearing my signature I requested the fraudulent inquiries be immediately deleted from the credit file that is maintained under my social security number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-10-2016 about Debt collection (Mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My husband and I are being taking advantage of by Ocwen Loan Servicing LLC.. We are part of the XXXX DOJ Consent Order targeting XXXX females in the XXXX County ( XXXX, New York ) area. Since XX/XX/XXXX, Ocwen never notified us that the loan was part of the civil action. As a servicer, they were obligated to inform us and stop collection practices. I realized this last week when I reviewed my property records. Also, Owcen strategically did not put my name on the tax records only show my husband name to that the loan was not affected by the Order. A Satisfaction of Mortgage from XXXX XXXX was recorded and was PAID IN FULL and HAS NOT BEEN ASSIGNED. We are XXXX years old and every time my husband and I call, l we are always getting the run around about the account. There are major concernsAs of today, I 'm showing XXXX XXXX XXXX filed a Satisfaction of Mortgage on XXXX XXXX, XXXX based on the DOJ Consent Order filed on XXXX XXXX, XXXX. I 've enclosed both documents for your review. Please provide a documented Note, Deed of Trust along with an current notorized Affidavit from the investor employee stating that the allege contractual agreement is enforceable under applicable New York State Law/Department of Justice and Consumer Financial Protection Bureau Under the Fair Debt Collections Practicing Act and Fair Debt Credit Reporting Act, If you are not able to provide this information, Ocwen as the servicer and/or acting on behalf of the investor or any other entity DO NOT have documents for enforceable interest as stated under the National Settlement Consent Order. Therefore, I 'm requesting a Mortgage lien release on the property immediately and a refund for all XXXX monthly principal and interest relating to the loan from XXXX XXXX through XXXX XXXX and all items need to be omitted from our credit report because they are not factual

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XX/XX/2018. After further research regarding my Equifax credit file I found that my personal information had been breached. After several attempts to have inquiries, collection accounts that have not been validated as belonging to me, and a bankruptcy reporting after being removed from my XXXX report I've still yet to see any changes being made. This has caused a major issue for me when legitimately trying to acquire a mortgage and financing a vehicle for my families needs.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am listed as one of the possible victims of the recent experian credit hack.

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