milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/15/2017 about Debt collection (I do not know) with Premier Portfolio Group (NE).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: They call my cell phone, my house phone, and my wife 's cell phone repeatedly about XXXX times per day. They are calling about a supposed bad check that I wrote to a payday loan agency that I 've never been too, and I 've checked with my bank and there was no bad checks written. I called them and spoke with the representative that is handling my supposed account, and asked him to stop calling me and my wife. The phone calls continue, and I need them to stop harrassing me and my wife for this apparent debt that I do not owe. He also told me that a judge is going to sign off on the debt and will garnish my wages at XXXX %. I work for a payday loan agency and I know this is false. I need them to stop calling and harrassing me and my wife.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 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 am an XXXX XXXX XXXX XXXX currently serving overseas. I recently received a copy of my credit report. The credit report showed the CRAs XXXX, XXXX  and Experian are reporting inaccurate information on my credit profile, even after I have sent them thorough proof, that they are reporting inaccurate info. They have not investigated the accounts properly. All three bureaus are in violation of FCRA Section 623 XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX Case XXXX XXXX XXXX XX/XX/XXXX, Filed ( XXXX No. XXXX ). 

I have sent a number of documents proving the following facts. 
I AM an XXXX XXXX XXXX CURRENTLY serving overseas Department of Defense Loan for XXXX has been paid off having a XXXX BALANCE since XX/XX/XXXX but they continue to report it as an unpaid collection XXXX XXXX XXXX is a {$900.00} debt that was created fraudulently. XXXX XXXX claims to have sold the debt, yet the company that the account was sold to REMOVED the account from my credit profile.

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 04/26/2017 about Debt collection (Other debt) with Conn's, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The following agency is not bonded in the State of Texas and can not legally collect debt. Please remove from my credit report and confirm the debt is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CO).
Issue: Loan modification,collection,foreclosure

Complaint: I HAVE HAD HEALTH ISSUES SINCE XX/XX/XXXX. I GOT OUT OF XXXX. I WAS TAKEN TO XXXX XXXX XXXX IN XXXX, CO. I UNDER WENT XXXX. WAS DISMISSED, THEN WENT FOR ANOTHER CHECK-UP BECAUSE HAD BEEN XXXX. THE XXXX TOLD ME THAT I WAS NOT HEALING ON THE INSIDE. SO XX/XX/XXXX I HAD ANOTHER XXXX. MY HUSBAND GOT LAID OFF IN XX/XX/XXXX AND HAS NOT BEEN CALLED BACK. I FELL SO BEHIND ON MY MORTGAGE PAYMENTS THE REASON IS NO INCOME. SO I CALLED XXXX TO LET THEM KNOW WHAT WAS GOING ON THEY SEND ME A LOAN MODIFICATION PACKAGE. I GOT THAT DONE JUST SO THEY COULD TELL ME THEY DO NOT DO MODIFICATIONS. I ASKED IF IT WAS POSSIBLE TO SEND AT LEAST XXXX PAYMENTS THEY SAID NO THAT IT HAD TO BE PAYMENT IN FULL. SO THEY ASSIGNED A CASE MANAGER TO ME XXXX XXXX. THIS IS THE XXXX TIME I HAVE DONE A MODIFICATION AND BEEN TURNED. DOWN. I 'M PRETTY SURE THEY DO MODIFICATIONS. I LOOKED ON LINE AND THEY HAVE THE WORST REVIEWS THAT SCARES ME.I WANT TO KEEP MY HOUSE.THEY HAVE ALREADY PUT A FORECLOSURE ON MY CREDIT REPORTS. I PRAY THAT I GET THE HELP I NEED TO KEEP MY HOUSE. I HAVE REQUESTED A NPV, WATERFALL ANALYSIS AND REQUESTED A ESCALATION FOR MAIN SUPERVISOR HAVE NOT HAD ANY RESPONSE FROM THEM. I HAVE A TEAM OF LAWYERS HELPING ME IN MY SITUATION.ABOUT A WEEK AGO OCWEN CALLED ME TO TELL ME THEY HAVE A SALE DATE FOR XX/XX/XXXX.THEY PUT A FORECLOSURE ON MY CREDIT REPORTS BEFORE I KNEW ABOUT ANY SALE DATE. I THINK THEY SHOULD OF LET ME KNOW BEFORE REPORTING IT TO THE CREDIT BUREAUS. I HOPE I CAN GET SOME HELP. THANK YOU

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. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: My complaint is related to Equifax 's data breach. My personal information has been exposed and they failed to exercise even the most basic of due diligence by failing to notify me. I was unaware of the problem until I heard about it in the media. I have confirmed with them that my data has been exposed but have not agreed to their arbitration.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Mortgage (Conventional home mortgage) with Trinity Financial Services, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: in XXXX I purchased a property, with 1st TD and 2nd TD. I was deceived, and my payments went to high. and I could not afford making payments on 2nd TD, I looked assistance to get a Loan Modification with 2nd TD, and 1st TD as well. 
lender of the 1st TD, they provided a Loan Modification, I am current with them now.for several years. 

on the 2nd TD, this loan has been sold several times, almost every company who had it, did not pay attention to my request for a Loan Modification. 
Because i did not have any resolution on my request for loan modification, I have not made any payments on it. 
The current company who owns the account is Trinity Financial Services LLC, on or about XXXX XXXX, XXXX, they started to collect for this account, i spoke to them, and nobody paid attention, then I went to a XXXX XXXX  HUD approved, who previously helped me to get a Loan Modification on the 1st TD, and on approximately XXXX XXXX, they helped me to submit a Loan Modification Package to Trinity Financial. 
They received the package and eventually they requested more income documents and more explanations, which I submitted. It has been taking very long time, and no decision, they took the file to Upper management to get an approval, they review the file, and requested more documents, which I submitted, they did not respond, i had to call every week to see if any decision. 
There are many other actions/activities that looks out of order, and would like to show you, that this company is not complying with Federal Lending Regulations. 
In future correspondence i can provide more information on this matter. But just as an example they denied me and Appeal to their Decision. I was told that after a Denial, I had the Right to Appeal to the their decision. 

I need CFPB, help, I do not want to loose my property. please help me. 
Thank you very much for now will identify myself as Single Mom who does not want to loose her Property. Thank you

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 EQUIFAX, INC. (WI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am filing this in regards to the recent revelation that Equifax was compromised ( IN XX/XX/XXXX ) potentially leaking financial details of 143 million people. 
The fact that this leak was known months before being revealed is abhorrent at best, particularly now that I have found out I was affected by the leak. Financial institutions should not have the power to so carelessly ruin mine and the lives of many others, it 's absurd.

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. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am one of the possibly affected 143 Million people in the recent Equifax Security Breach. Their conduct and handling of this situation is unacceptable, especially the sale of stock by their executives days before the breach went public.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (AZ).
Issue: Closing on a mortgage

Complaint: I refinanced a loan with Mr. Cooper/Nationstar in XXXX of XXXX. The original mortgage was also with Mr.Cooper/Nationstar and had been opened in XXXX. The refinance process went smoothly and I had n't had any issues until recently when it was discovered that I still have two outstanding liens on my home ( 1 for the original loan in XXXX and 1 for the refinance in XXXX ). The paperwork for the lien release was either never submitted or never recorded. 
I am currently working on a HELOC with another bank and they found the 2 liens on the property and can not approve the HELOC until the first lien is released. I have called Mr. Cooper at least 5 times now and have been told conflicting information with each phone call. Here are some of the things that I have been told : -We do n't show the original lien still on the home so the customer needs to research this on their own with the county recorder -Mr. Cooper emailed me a copy of  the lien release and told me that I could take this down to the county recorder and submit it for release ( did not mention that there is a fee for this which I should not be paying for. I also wasted time going down there because the county will not take a copy of the document ). 
-Told multiple times that the issue had been escalated to the lien release team within Mr. Cooper and nothing has happened -Told that I would get an official document in the mail multiple times and never received anything -Told on XXXX/XXXX/XXXX that it is the customer 's responsibility to submit the lien release when the refinance goes through ( that the mortgage company never does this ). However, I looked back through emails and found an email from Mr. Cooper in XXXX saying that the lien release was in process and they would submit to the county.
-Spoke with the county recorder and they said that the mortgage company could send an 'electronic ' version and it would be recorded the same day. However, then spoke with Mr. Cooper and their representative told me that Mr. Cooper does not do electronic versions and they sent a copy in the mail to the recorder 's office on XXXX/XXXX/XXXX and it could take another 5-7 days to get recorded. 

Overall, I am angry with all of the conflicting information that I have received from Mr. Cooper and its overall lack of assistance to get this item fixed. During the refinance process this should have been handled by the company, however, they have since told me that ( 1 ) it was my responsibility to submit the lien release ( lie ) and ( 2 ) that I should take the documents down there and submit them ( requires me to pay an additional fee ). This should really be a quick fix but has delayed my HELOC for at least a month now and maybe even longer.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am submitting a complaint about Ocwen 's recent handling of my upcoming foreclosure auction sale that has been scheduled for this Monday XXXX XXXX, 2015. I was lead to believe that the sale date would be postponed until I could gather the funds required for my mortgage reinstatement. Unfortunately today I found out that the sale date had been reinstated without notifying me. I actually found out about the resumption of the sale date from a foreclosure website alert rather than even receiving a courtesy return phone call from XXXX XXXX who I had just called on Wednesday asking for an update on my postponement status. Proper protocol has been circumvented and my homeowner 's rights have been abrogated illegally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/21/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (WA).
Issue: Struggling to pay mortgage

Complaint: 1. Ocwen failed to provide for any principle reduction..
2. Ocwen failed to provide for the reduction of excessive and exorbitant fees that they have assessed.
3. I have provided Ocwen notice of errors in the statement of account they have provided, and they have neither fixed the errors or provided any explanation.
4. Ocwen is dual tracking me. After approving the trail modification with the payment scheduled for XXXX XXXX, they sent a notice of a foreclosure sale scheduled for XXXX XXXX. I believe this was a bad faith effort to manipulate me into signing a deficient modification offer that is out of compliance with the guidelines of the Federal Settlement they are bound to, and accepting a ballon payment of over {$500000.00}.
5. Ocwen has sent letters stating 3 different amounts as my payment. After sending their proposed modification payment amount they sent a new statement stating a payment that is 40 % higher. What is the payment going to be after the trial period?

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 03/21/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (FL).
Issue: Account opening, closing, or management

Complaint: Citibank decided on their own not to send me more paper statements apparently because they received a returned letter from USPS. I have not moved in more than 5 years, so I dont know why that happend. Problem is Citibank didnt notify me by email, or phone, so there was no way for me to know that. In the meantime, I was being bled with abusive fees that I was not aware for almost a year.

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XX/XX/XXXX I got a credit report pulled and it was showing that I had been 17 times late on my car payments with XXXX XXXX I call them that day and they told me that I was behind on my car payments two difference cars. I told them that I had the bank statement show that I did pay them and on time. I had to fuix to them my Bank statements it took them three months  before they gave me credit for thos payments there was two payments that they told me that I did not pay I fax a letter to XXXX and told them they must report to all three credit agents that I had not been late. But they never did. I have been on them since XX/XX/XXXX. I got a call today from XXXX saying they wanted to let me know that they was going to have 14 late 's removed from my credit reports. i told them that they was going to cause me to loss our home because I have a bloom payment in XX/XX/XXXX. The lady said so there is nothing that I am going to do about that. I call the head office of XXXX in XXXX IL. and they sent me my pay History and it show that I have never been Late on my payments. I have a loan company called XXXX XXXX XXXX that is working with me on refinancing our home But they are telling me that they can not do the loan until I get all off my report. I even sent they my bank statement showing I had paid them on time. I need your help. I have all the proof to all three credit  Bureau 's and they still have not removed anything and it has been three months. I have sent it them each month and all the proof that this is fraud from XXXX XXXX. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Debt collection (Medical debt) with Alliance Data Card Services (PA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: At XXXX on X/X/17, I got a phone call, asking me for detailed information on my identity. After that, the woman told me that I was behind on payments of 30 days. When I asked if it were 60, 90 or 120 days, she said no. I was then pressed when I would resolve the matter when I stated that I had not gotten a bill that month. I replied with " When I get a bill, I will send in a payment ''. She then said that I was not being cooperative and refused to answer. I repeated the answer, " when I get a bill, I will send in a payment. I do not know when a bill will be sent and I do not know when they will receive it. '' After my second reply, she became more hostile and aggressive with repeated, " you are refusing to answer the question and I 'll note that on your account ''. She further pressed me for a date and suggested next Friday, to which I said, sure, if I get the bill. Again, she said " you continue to refuse to answer the question '', to which I pointed out that she suggested a date and I agreed to it. Her hostile tone, nature of the call and continued badgering of my " refusal to commit to a date '' was enough to end the call. This was a hostile call with hostile intent and any other answer than a specific date that was acceptable to them was " refusal to answer the question ''. I contacted Comenity directly and requested a new bill be sent to me and explained the phone call. The woman on the other end was very apologetic, but insinuated that this is their standard practice. Any further phone calls of this nature will be met with a lawyer on my end.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am disputing an account that is being reported on my credit report as wrong information. I contacted experian and they told me to contact the creditor. I used the address on the credit report and the letter came back to me as the wrong address. How can experian verified if the address is wrong?

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 11-10-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Account opening, closing, or management

Complaint: On XX/XX/2016 my account was debit the amount of XXXX overdraft fees. XXXX was for the overdraft of the NO-ATM used for {$200.00}. This was never my dispute. On XX/XX/2016 I submitted the complaint for the XXXX bill of XXXX {$68.00} and XXXX ( XXXX ) checks # XXXX an # XXXX. in order not to given me any more Customer overdraft privileges I was retaliated against by Wells Fargo to stop my Overdraft privileges. There are several customer that works with me that Overdraft their accounts on a weekly basis in which their Checking account is not linked to any Savings and has not been denied access to Overdrawing their account. Since I contacted your office I have been having a problem with some of the privileges that the bank has to offer. There is no reason for me not to be treated fairly as other are being done. I would like my privileges returned. According to the bank they did return XXXX fees but it was only XXXX. I am a loyal Customer, so why I ca n't have those privileges returned? 


saving account and still has privileges

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-12-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Loan modification,collection,foreclosure

Complaint: Unfortunately, I have to submit another complaint because there has not been any responses from Wells Fargo to me directly since I filled the initial complaint. In my last complaint WF stated that they provided me with a partial response and that they 'd need 60 days to investigate. They have not provided me any additional information regarding my case. XXXX XXXX XXXX contacted in response to my initial complaint and said she 'd follow up and call me back. I have not heard from her since. I have tried to contact her numerous times, but without success. It appears WF is intent on letting the property go into foreclosure sale next week and yet give the impression they are working with me and need 60days to invstigate. It ca n't be both ; either one way or the other. I believe this is a violation of my rights as a homeowner who is facing foreclosure. This is on the CFPB website regarding protections for homeowners that are experiencing problems and possibly facing foreclosure. WF has violated each of these areas : Strong Protections for Struggling BorrowersRestricted Dual-TrackingNotification of Foreclosure AlternativesDirect and Ongoing Access to Servicing PersonnelFair Review Process : No Foreclosure Sale Until All Other Alternatives ConsideredWIll someone take up our case?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Debt collection (I do not know) with Walwick, Inc (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Governed by XXXX ( a ) sets forth the required contents of a typical collection, or dunning, letter : ( a ) Notice of debt ; contents ( 1 ) The amount of the debt ; MCA indicates this is multiple accounts and list XXXX. ( 2 ) The name of the creditor to whom the debt is owed ; NOT PROVIDED ( 3 ) A statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; NOT PROVIDED ( 5 ) A statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. NOT PROVIDED And leads me to believe it also violates the following - XXXX : " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. '' XXXX ( XXXX ) ( A ) : A debt collector may not falsely represent " the character, amount, or legal status of any debt '' XXXX ( XXXX ) : A debt collector may not use " any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. '' XXXX XXXX. XXXX specifically provides that a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt, including, without limitation, collecting " any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. ''

Company response to consumer: Untimely response