milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-07-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: FedLoan refuses to appropriately address its repeated violation of laws. In a previous letter, FedLoan discussed section 682 ; however, they refuse to respond to its violations of 685. In violation of federal law, FedLoan Servicing restricts repayment in various ways including but not limited to : ( 1 ) limiting 8 electronic payments per month ; and ( 2 ) refusing to accept payments on weekends. The text of operative legal language is included below. Note that the law requires that borrowers be provided the opportunity to the prepay the debt AT ANY TIME. Therefore, FedLoan 's limitations are illegal. 685.211 Miscellaneous repayment provisions. ( a ) Payment application and prepayment. ( 1 ) Except as provided for the income-contingent repayment plan under 685.209 ( a ) ( 3 ) or the income-based repayment plan under 685.221 ( c ) ( 1 ), the Secretary applies any payment first to any accrued charges and collection costs, then to any outstanding interest, and then to outstanding principal. ( 2 ) A borrower may prepay all or part of a loan at any time without penalty. If a borrower pays any amount in excess of the a mount due, the excess amount is a prepayment. https :  XXXX  Very truly yours, /s/  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Placed a dispute with Equifax about reported information on XXXX XXXX, XXXX and still have not received resolution. Attempts to contact the company go unresponded to. Sent letter, called phone number on website, Constant busy signal.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have for a year now being reporting fraud account on my credit report and supplied experian with the police report they requested and they still have not removed the fraud account. 

Account name XXXX XXXX XXXX Account number XXXX .... 
Recent balance {$12000.00} as of XX/XX/XXXX Date opened 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 10/16/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen Loan Servicing acting as the Servicer of this mortgage has failed to meet all of its requirements under HBOR and is attempting to illegally foreclosing on our personal home by selling it at auction on XXXX XXXX, 2015. The direct violation of HBOR law is based on Ocwen Loan Servicing Mortgage improperly and unfairly review our loan modification request for relief. We have submitted a complete loan modification direct via fax and have been forced to resubmit the same package several times. In addition, Ocwen Loan Servicing has repeatedly denied us help several times and we never get a single person to answer our questions honestly or directly. They always have hundreds of people pass of file amongst each other just to create motion and delays. We intend to keep our home and we meet all eligibility criteria. They have never offered any help or relief and continue to threaten to take our home. Ocwen Loan Servicing Mortgage illegally commenced and is conducting a foreclosure while reviewing attempting to find workout relief options for us. They have mishandled our documents and file several times and failed to properly communicate with us throughout the process. They simply wish to foreclose and kick us out onto the streets. They have clearly violated HBOR specifically under the " dual tracking '' clause. Ocwen Loan Servicing Mortgage instructed and allowed the Foreclosure Trustee named XXXX XXXX to illegally start foreclosure on my property. The Ocwen Loan Servicing Mortgage and Know Your Options website gave the result that we are eligible for a loan modification with a lower payment to save our property. So there no reason why Ocwen Loan Servicing should have denied our request or started foreclosure on our home.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: HUNTER WARFIELD is attempting to collection on a debt that was caused as a result of identity theft. 

My identity was compromised in XXXX. Someone broke into my car and stole my wallet and other items that had personal information. It 's unclear who exactly however the Department of Justice might have arrested someone. If the apartment they collect for verified ID or went through proper identification procedures they would have seen it was n't me. 

I sent a certified letter containing : FTC Fraud Affidavit on XXXX/XXXX/XXXX ( Receipt XXXX/XXXX/XXXX ). I have not received a response. Today, XXXX/XXXX/XXXX I sent another certified letter containing all of the above documents and DOJ Victim Letter. 

Please feel free to review the attached documentation and proof of what they received and when HUNTER WARFIELD received it. 

I 'm hoping to get this resolved soon. Thank you XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2016 about Credit card () with JPMORGAN CHASE & CO. (AL).
Issue: Billing statement

Complaint: CHASE FREEDOM CREDIT CARD I just signed up and received a Chase Freedom Card last month and today I received my statement and was shocked to see all XXXX digits on my statement. I was in awe and shocked so i called their customer service number. He told me that all Chase credit card statements have all XXXX digits listed. I told him that I have several other credit cards and they only send statements with the last XXXX digits of the card. He told me he could n't do anything so I asked to speak with a manager. He transferred me woman manager who told me the same thing but said she had several other members complain about their statements having all XXXX digits and would escalate this issue. 
This just makes it easier for someone to commit fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Using a debit or ATM card

Complaint: Capital One Bank, despite several attempts by myself to formally place a change of address with them, has continued to issue new bank cards via mail to an old address no longer my place of residence. Despite my personally appearing at my local branch to change my address noted on my personal account, Capital One Bank recently sent via mail a new chip card for my personal checking account. My local branch manager states that this error is due to Capital One Bank card processing department. Either way, Capital One card processing and Capital One has jeopardized my personal financial identity security by releasing a new bank card to a residence I longer reside at. Their incompetence to update their data base with my new current address, which has been updated on the actual account has put me at risk for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Debt collection (Credit card debt) with BARCLAYS BANK DELAWARE (GA).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: Collection Agency   XXXX ,  XXXX   XXXX   XXXX  representing themselves as LAW OFFICES representing BARCLAYS BANK DELAWARE. Creditor Claims they could not locate me. I have lived here for 10 years. This bill was paid off in  XXXX   XXXX . The company had previously changed names from  XXXX  to Barclays. I have bank statements showing final payment of {$200.00} in  XXXX  of  XXXX . No other bills were received after that date because the account was closed at my request in  XXXX  of  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 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (IN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: XXXX, XXXX, and XXXX all showed my name and report as having an account with Citibank Credit Cards. XXXX dispute was good and the bad information was removed. XXXX will not answer the phones and the on line service will not function at all.
I have contacted Citi Cards and they say they can not talk to me about the account because I am not on the account and they can find no record of an account in my SS #. I asked for a written statement to that effect and they told me I had to dispute it through the individual bureaus. I have done it and all but XXXX have fixed it. 

I sold my house and now can not get a mortgage due to this error. How in the heck do I fix it?

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 07-08-2015 about Mortgage (Home equity loan or line of credit) with PENTAGON FEDERAL CREDIT UNION (DC).
Issue: Loan servicing, payments, escrow account

Complaint: I have a home equity loan with the Pentagon Federal Credit Union that is delinquent but I was asked by a representative of their collections department to add {$70.00} to my monthly payment every month starting in XXXX which I have done. They continuously call me even on the day I make my payment to ask me when I am going to make the next payment because it is still 30 days behind. I was even told last month that the arrangement was no longer acceptable and I would have to enter into a new arrangement which I refused to do. I was told at one point by a supervisor that the person that made the arrangement was not authorized to make that arrangement with me. I have been told on numerous occasions that my home could be foreclosed on. They did modify the loan a couple of years ago because I had XXXX. And I know the expectation is that you will make your payments on time after that but on XXXX XXXX, 2014 my youngest son passed away and it took everything we could scrape together to get him buried. I told them that and offered to send them a copy of the death certificate but they continue to hound me relentlessly. I am ruffly between {$400.00} and {$500.00} dollars behind which will take approximately 6 more payments to catch up but I just ca n't take the numerous calls and the verbal beatings I get every month, all month, any more. I know I owe this money and I 'm doing all I can to pay this debt but they have harassed me to the point and with the loss of my son, XXXX I am about to crumble under this constant abuse.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/21/2017 about Payday loan, title loan, or personal loan (Installment loan) with GOLDMAN SACHS BANK USA (NV).
Issue: Problem with the payoff process at the end of the loan

Complaint: My title company sent a check to payoff my installment loan early on XX/XX/XXXX. Thought this was all taken care of until I was looking at my credit report online on XX/XX/XXXX and the report stated that I still owned {$170.00}. 
I tried to get online to look at my account but I had been locked out and so I called and talked to a account representative, and an account manager who told me I could not get back on my account and I could not get a statement, I was just to pay the amount demanded. When I asked what was the number to their legal department they said they could not hear me any more and disconnected the phone. 
I do remember going online at the end of XX/XX/XXXX and seeing something about my account being {$60.00} or {$70.00} left on it and I paid it. I should have a XXXX balance but I ca n't get a statement. The payoff amount they gave to my title company and they sent the check.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (WV).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I have received 16 calls in 3 weeks attempting to collect a debt for someone who does not live at my home. I have told the caller to stop calling but they continue. The calls come from XXXX XXXX, XXXX XXXX, and XXXX XXXX. They are very rude. I can not help them but they persist.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Payday loan, title loan, or personal loan (Payday loan) with NAM National Arbitration and Mediation (TX).
Issue: Problem with the payoff process at the end of the loan

Complaint: In XXXX I applied for a payday loan on-line with XXXX ... I did receive the money ; however, I had problems paying it off because of the high interest rate and exhorbitant fees so I enrolled in a Debt Consolidation Loan company in XXXX ; and they negotiated with XXXX XXXX XXXX creditors at the time ( I had several ) ; and worked me out a plan where I paid them XXXX monthly payment ; and, they paid each of my creditors. It was my understanding that XXXX was one of those payday loan creditors. I successfully completed the program. 

That was XXXX years ago. Until XXXX weeks ago, I had not received a phone call or any mail from XXXX saying that I owed them money. Now, they are threatening to sue me if I do not pay them XXXX  which I can not afford to pay in XXXX lump sum.I can not afford the payment arrangement of $ XXXX XXXX @ XXXX XXXX ) XXXX. 

I do not think it is right for this creditor to seek payment from me when I in good faith made payments to them back in XXXX. If they were not acceptable of the payment arrangement with the debt consolidator I used at the time, I was not aware of that. 

Please help me with this matter because I have worked hard to rebuild my credit in the past 3 years ; and I do not want this matter to show up on my credit. 

Thanks, Distressed Consumer

Company response to consumer: Untimely response
Consumer complaint received 08-05-2016 about Consumer Loan (Vehicle loan) with FIFTH THIRD FINANCIAL CORPORATION (PA).
Issue: Taking out the loan or lease

Complaint: XXXX is my last name my loan is under XXXX they have sent me paperwork wit XXXX ... I was never able to get that resolved my loan number is XXXX XXXX I have three payment left on a 5 yrs automobile loan I made a payment on line some how they did not receive the payment via internet I received a call that I was late and would I like to make a payment I told them that I had and the gentleman told that they did not have one on record ... I offered a credit card and figured I could figure this out with my bank ... this was the 2nd occurrence with this bank I get a call the next day from a toll free number stating it was the bank I wanted to get the issue fixed so not to ding my credit I got a recording from from this toll free number stating all the customer service representative were bus and to call back btn and it gave hours of operatation ... another customer service rep called and told me I owed $ XXXX to my loan ... I asked what he was looking at and he told me that was for XXXX and XXXX I told him i only wanted to make the {$380.00} at this time that I had a commission check coming in and would pay the whole loan off in early XXXX ... I had two subsequent calls after that stating that the money was returned to my bank ... so back to my bank I went to find out they took the $ XXXX out of my bank and there was not funds for them to take the $ XXXX I called back requested a manger one to pay the loan get the late fees reverted and to pay my banks fees ( the women I spoke to told me to get a letter of the fees from my bank ) I was told that my account was going to XXXX a manager and I would be taken care of to this point I have a letter from my bank I have a call from thier toll free number but no one on their side would answer when I said hello..to call into the bank it is a night mare to get any one I went to their governance page and asked for a couple of those individual on the page I was told by customer service that they could not offer me that information Oh so I TRIED TO MAKE A PAYMENT THIS MORNING on the internet and coud not make the {$39000.00} was told to call customer service and so far XXXX has been over 45 minutes to get someone to talk to ... 
I was told they would review the recorded conversation and get back with me that never happened i just want the fees reverted ... letter that they did not mess with my credit score and loan paid off there are so many layers to this bank you can not reach someone who will run with issue

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/21/2015 about Credit card () with BARCLAYS BANK DELAWARE (NC).
Issue: Bankruptcy

Complaint: Acct # : XXXX Yesterday my credit report was pulled and it is showing Barclays Bank is reporting to Credit Reporting Agencies that I owe {$48000.00}. 
XXXX 2011 I was granted Discharge of Debtor under Chapter XXXX Bankruptcy and this debt was included and notices were sent out by my attorneys office. 
On the credit report it not only states that I owe this debt but it also states the Account was closed at consumers request and states as 'Profit & loss '. 
It should state 'In Bankruptcy ; Chapter XXXX ; Bankruptcy discharged ' with a XXXX Balance. 
Please correct this as soon as possible. This is an extreme negative report against me that should be showing as charged off. I 'm sure your company has written this off long ago. 
If needed/necessary I have all documentation to prove my position. 
My attorney is XXXX XXXX. You can call him at XXXX and he will answer all of your questions about my case. 
Or, you can contact me at XXXX and email XXXXXXXXXXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Case number : XXXX : Your submission, [ Case number : XXXX ] XXXX XXXX XXXX Reply | To : Consumer Financial Protection Bureau XXXX XXXX ; XXXXXXXXXXXX & gt ; ; Tue XXXX/XXXX/2016 XXXX XXXX Good afternoon and now we have yet ANOTHER challenge in regard to the OCWEN error regarding the amount they WANTED as owed as to the amount they settled on a month ago. 
SO, I received all documents stating that the actual amount to be paid into ESCROW was still $ XXXX and, I 've already paid in {$1000.00} of it as they gave me NO OPTION FOR AN INCREASED PAYMENT for a year possibly, but we are taking care of it so by the time in XXXX the taxes are due again, the money will be paid in. AS OF THIS PAAST WEEKEND, I received a communication stating they noticed I was having a difficult time paying my mortgage and I HAVE NOT YET EVER MISSED A PAYMENT. Yesterday, I received XXXX notices of DEFAULT and STILL have not missed a payment as I continued paying the amount of the regular house payment owed as specified UNTIL THE ISSUE BECAME RESOLVED. THIS was my obligation until they resolved the error they had made. 
I do not want to be in fear of losing my home after all these years because of a mistake I DID NOT MAKE and Ocwen can not resolve. They did, as I said, give me an amount that was outstanding after they made all their adjustments from the near $ 30K originally stated and the approximately {$3400.00} that they are looking to be paid in however, no effort was made to contact ME since it was their error to have me perhaps pay in monthly as there was incidents where they have done that in the past if the amount was short for whatever reason. 
I have also contacted the Ombudsman office at Ocwen about the resolve and what I consider to be another gesture IN ERROR on their part since not many people can just " find '' {$3400.00} to plunk down for a mistake they did not make. 
Thanks again for your assistance and here is my account number with OCWEN XXXX. 
Money is, like I stated, being paid down from the $ XXXX they stated was the amount and {$1000.00} is already sent in and processed toward the total. Next amount would go to them on or near XXXX/XXXX/2016 and then the balance in a similar frame when income tax money arrives from tax return processing. 
Thanks. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Debt collection (I do not know) with Resurgent Capital Services L.P. (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: XXXX   XXXX   XXXX  sent a letter that threatens to take legal action on me regarding a debt. They claim to be a pre-legal account company and have stated that they will send my account to an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My rental car was broken into on XXXX XXXX, 2016 while I was shopping at XXXX on XXXX XXXX, XXXX. My bag was stolen with XXXX of my credit cards, cash and my driver 's license. In less than half an hour, ( I was not able to inform my credit card company of the theft as I was driving home ), XXXX cards were used at XXXX XXXX in which over {$5000.00} total was spent from XXXX cards. I called XXXX credit card company within 45 mins of the theft, XXXX were able to reverse the charges. HOWEVER, I have been " battling '' with AMEX to reverse the charges that were imposed by the thieves. I have attached the letter that came back from AMEX, informing me that the fraud charges can not be removed. I have also attached the XXXX Police Dept Reportee follow up note showing proof that the theft did happen. I CAN NOT understand WHY AMEX is denying the fraud charges when even XXXX 's fraud dept admits " wrong activity '' on my cards. As you can see from the docs, the last letter from AMEX attached a receipt of the purchases. The receipt HAS NO signature!!! I have tried contacting XXXX fraud dept to see if they can help me reverse the charges. Unfortunately, they were of NO help indicating that it was a third party credit card. My understanding with credit cards, especially AMEX is that the consumer is not responsible for fraud charges, as such, I am reaching out to your bureau to help me resolve this " nitemare of a problem ''! Dealing with the car theft and broken window on the rental car is already a stressful situation, I do not believe that AMEX has added " salt to injury '' by making these fraud charges unresolved. Please HELP!

Company response to consumer: Closed with monetary relief