milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/22/2015 about Credit reporting () with FLAGSTAR BANK, FSB (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: This is a long story that started in XXXX 2009. XXXX of all I am a veteran of 13 years in the XXXX and I am proud that I had the opportunity to serve my country. I was a XXXX when I came into a financial hardship and had was not paid by the military for over 2 1/2 months. Immediately when I was told that I was not going to be paid that pay period I knew I was in trouble as my mortgage was due. Well at the time I could n't get any assistance for my mortgage and started getting behind. It was n't till end of XXXX I was getting caught up, but I was n't able to pay my balance owed and the bank would not except anything less then the full amount. I just kept getting farther and farther behind and well life happened. I would continuously call and update the bank with my info trying to get into a some program to stop my home from going into foreclosure. After XXXX chapter XXXX bankruptcies filed to postpone public auction to try and get my short sale approved, the bank finally contacted me and said that my home would be going on public auction and there is nothing I can do about it. Flagstar Bank has always been a thorn in my side and to this day they continue to still be. They are reporting the full amount of the loan XXXX is still owed on my credit report and its hurting my credit in a major way. I know the home sold for XXXX which is about where I was trying to sell my house as a short sale at, go figure that. I have recently disputed my balance on my credit report and they denied the update. I also wrote them directly and got a letter stating that they wont update to the correct balance as the foreclosure is for the full balance and will stay on my credit report for 7 years, which i know but I know that the balance of XXXX is incorrect and should be reported correctly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: There has been several attempts for this debt to be verified with the consumer reporting agencies. This account has not been verified simply sending a statement from the original creditor by law is not suffice. This collection agency and consumer reporting agencies have not provided me with a signed contract/agreement. The original creditor XXXX XXXX XXXX XXXX has stated that I do not owe them this debt. 
Please review letters sent and documents provided as verification as they do not meet the standards by law.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Student loan (Non-federal student loan) with AES/PHEAA (IL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have told American Education on multiple occasions that I have an attorney against National Collegiate Trust/NCT therefore I am not allowed to discuss anything with them but XXXX rep advised me they would need my address on file even though I have an attorney, this attorney is only representing me against National Collegiate Trust. XXXX rep advised me if it went to court, they have the promissory notes. I never signed any documents with NCT but like I advised her I ca n't discuss anything and I have the calls recorded. I do not want anymore letters from AES until the case is resolved. NCT has my attorney 's information, therefore they should be able to let AES know this information.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have contacted this company and asked them to cease and desist collection because the account doesn't belong to me. They removed from my credit profile, waited a few months and then started back reporting. I have a letter stating they would remove it. I am filing a complaint to get them to have them cease and desist and sent back to creditor to find out who account it really is

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/24/2017 about Mortgage (Conventional home mortgage) with QUICKEN LOANS, INC. (TN).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: While talking to a mortga ge specialist on the phone from Quicken Loa ns we were interrupted by his supervisor. He proceeded to quote me a rate of 3.75 %, and was asking for my credit card #. I was not willing to engage without this being in writing. He did not inform me that this rate also had  XXXX  points for {$3400.00}. This is not acceptable to me an d may be fr aud. After complaining to this supervisor for failing to inform me about the points, the discussion became heated. I asked to speak to his supvervisor who told me this was not intentional. If not for me asking I would have been charged to proceed with a transaction that was verbal, and at no time was I informed what I was paying for. Their solution to this issue was to apologize several times, and to offer me a {$500.00} voucher for any future business I do with these glorified used car salesman. This also is not acceptable to me. I look forward to hearing from you on this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Data Check of America LLC (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: A company called Data Check Services contacted me regarding a supposedly returned check from XX/XX/1995 in the amount of {$10.00}. To my knowledge I was never contacted by the bank to collect any insufficient funds. The bank is no longer in business. I 've advised Data Check this is a time-barred debt from 20+ years ago and to cease calling. They continue calling and have recently threatened a lawsuit and wage garnishment.

Company response to consumer: Untimely response
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (CO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: t
his company accessed my credit with no permissible purpose and without my written or verbal consent. The credit bureaus refuse to remove it and state that I must contact the creditor. This is not a case of ID theft or Fraud. This is simply a case where CHASE accessed my credit file without my written or verbal permission or the credit bureau reporting a soft pull as a hard pull. Either way it must be removed per the law as no permissible purpose exists and never has. I need this inquiry removed immediately.
Account name CHASE Date of request XXXX/XXXX/2017 Comments per the bureau : Unspecified inquiry ( NO PERMISSIBLE PURPOSE )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XXXX XXXX I contacted Enhanced Recovery - XXXX to settle my debt and spoke with representative XXXX who refuse to give me her last name because she claims she is the only XXXX that works in the office. I owed a total of {$260.00} and we settled the debt for {$150.00}. She told me I would receive my {$0.00} balance letter by email. The email I receives stated that after I paid the {$150.00} that I still owe {$110.00}. The phone call was recorded and it will be verified that we negotiated the debt settlement to be {$150.00} therefore I should not be receiving a letter that I still owe money. I received confirmation number of XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (GA).
Issue: Deposits and withdrawals

Complaint: I have been experiencing identity theft and also i have been going through a lot of financial situations. I recently opened a small business and had different of personal accounts that different people from different organizations and other trust fund monetaries that where left to me from a deceased individual, that explained that she wanted her money to go to a charity of some type. I was left a sum XXXX XXXX dollars close to in XXXX XXXX i should say. I opened my investment account and I did the appropriate paperwork for the trust fund account and gave the appropriate distribution for how the money was supposed to be distributed equally each month and to each account. Every single account that I have opened and every deposit that was either transferred and or supposed to be wired, released to the account and then in increments where transferred out of the accounts slowly and shortly. While at the same time the accounting information online are telling me pending. By the third day of the payment holding process the bank then shows that the account funds was insufficient and on top of the NSF message i had to pay a check refund payment. Every single time the check goes through a specific holding period the funds within that period are released and then the information changes and says that it can not be processed and the checking funds was stopped. This has happened with a repeat number of my accounts causing me to go negative within my business to take a major loss on the business and personal aspect. I then try to get some type of confirmation and or repayment and the companies try to tell me they can not locate the account and or they can not understand what happened with the account. I filed different police report numbers and have been to different agencies and yet i am still without any account and or without any funds at all. I do not know exactly what to do and or how to get my funds back nor do i know how to or what to do because it has even been a change in the police reports that i have done missing information at the merchants, and /or the different companies that i have used for money accounts and or for personal stored information. I have tried protective custody switching name and personal information on my accounts plus more and at this point i am at a total blank of what is going on or what to do next.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2016 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Using a debit or ATM card

Complaint: Regarding claim # XXXX card was stolen, theft was reported in 48 hours, bank security measures failed to stop thieves from draining account or block card. Bank has received a signed affidavit I did not authorize the charges. Bank has received a police report. Despite clear law these are not legally required they were provided when requested and bank is using every measure possible to avoid obligations under federal law. If bank is behaving this way, they are doing the same thing to thousands of people and simply retaining the funds and assuming people do n't know the law or will simply grow tired of trying and give up. The bank is not the police. The bank is not allowed by law to police themselves and decide unilaterally whether a theft occurred or not. Instead of blaming customers, bank should augment its internal security measures on debit cards. I work hard for my money and I 'm not going to allow the bank to play games and waste my time when the law is clear. Bank has been reported to the XXXX and the OCC of the US Department of the Treasury. Also the continued responses on here that fail to answer why according to law the bank is retaining the funds are creating a pattern of evidence of clear illegal behavior. If institution can not employ adequate security measures on these cards, it 's their failing, not the customer 's.

Company response to consumer: Closed
Consumer complaint received 02/28/2018 about Mortgage (Conventional home mortgage) with HOMEBRIDGE FINANCIAL SERVICES, INC. (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: They are discriminatintg based off national origin. The fact of someone working out of country mostly as a XXXX XXXX. The taxes were filed under being an XXXX XXXX and they said that it doesn't prove a full year of work history since I have not resided in the United States for that full year. Even though income that was earned out of country was included in the income tax return they still will not accept income tax return as evidence of working independently for the full year. They only are accepting about 6 months out of the year when the XXXX  was granted. In my country if you earn under a certain amount you are not required to file taxes. Earned under that amount so I did not have to file taxes in my country. I only had to file taxes in the United States. This should be acceptable I did exactly what I was supposed to. They also will not allow me the opportunity to amend my tax return to specifically say what income was earned out of the country. They say that that would be changing the tax return to get approved for a loan. Even though it's not it will be changing a tax return because you noticed something was possibly wrong. They are forcing me to wait until it has been a full two-year. Or they are forcing me to get documentation from a third-party out of country that does not exist. I told them I was working XXXX  and I file my taxes working XXXX and they will not accept that. I also have bank statements and XXXX XXXX to prove some of the payments that I receive. And they will not accept that they want something from an employer and there is no employer if you're working as an XXXX XXXX. They said the documentation has to be from a third-party. I do not feel like this is fair I feel like I'm being discriminated against.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2017 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I challenged several items that were duplicated in my credit report that are affecting my credit and the information they are verifiying is not accurate, i contact the creditor and they told me to contact the credit burau since they are not reporting that and they do not provide who they verify the information with. Is hard to reach someone to speck with.

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 02/15/2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have contacted Experian multiple times to inform them that they are reporting someone else 's Public Records information on my credit file. Experian have not removed this information from my credit file to date. Experian is reporting a Public Record filed XXXX/XXXX/2016. According to the Courts, they did not supply information to Experian for the incorrect data that they are reporting on my credit file. I need your assistance in getting this matter resolved and removed from my credit file.

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 11-07-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with OCWEN LOAN SERVICING LLC (NM).
Issue: Trouble during payment process

Complaint: Ocwen Loan Servicing placed insurance on my house ( XX/XX/XXXX-XX/XX/XXXX ) while I had it insured and will not reimburse me even though I have provided them with proof of this again now and provided them with proof throughout the years as well. The amount they owe me is {$1900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Using a debit or ATM card

Complaint: What happened to my XXXX XXXX, 2016 's alert email? In XXXX XXXX, 2016, the the associate had told me that I had to cancel my debit card in order to reopen my claim because I did not report as stolen card and there was no 48 hours response concerning about the 60 days period from you, back in XXXX XXXX, 2016.

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 07/22/2015 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I was looking for a free credit report. EXPERIAN has created their website in such a way that they charge a dollar ( paid by credit card XXXX to view the report and sign you up for credit monitoring which can be cancelled within 7 days. The website is intentionally convoluted to make it easy to continue without checking what one is signing up for. Soon after, they start charging {$21.00} a month for said monitoring. 
When I called to request a refund, they refused to refund claiming the charge is valid. They further complicated the issue by asking me to request the refund in writing from their accounts department which would consider my issue on a case to case basis. 
I believe their web site is purposely built to trick users into paying for the so called credit monitoring.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-08-2015 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Deposits and withdrawals

Complaint: I am the Payee Upon Death on my aunt 's account. I called Capital One Bank for the procedure to have funds disbursed. I was told to go into the branch to retrieve funds. I explained that I live in XXXX and was told that I had to send her original death certificate and a Letter of Instruction to the branch where the account was opened, which I was told was the branch located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX I sent the requested documents via Priority Mail on XXXX/XXXX/XX/XX/2015 to that location. Since I was told that the funds should be disbursed about a week after the bank received the documents, I called the XXXX XXXX branch on XXXX/XXXX/XX/XX/2015 to verify if the documents were received, and when would the funds be disbursed. I was told that the XXXX XXXX branch was not the origination branch, and the origination branch was located at XXXX XXXX XXXX, XXXX, XXXX and that the XXXX XXXX branch had forwarded the documents to the XXXX branch. I asked when and was told that they just sent the documents, and did not make a record of when the documents were sent. I then called the XXXX branch to see if they had received the documents and was told they had not received the package. It appears that my original documents are nowhere to be found, and no one has a record of receiving my documents. I took me about XXXX weeks just to get the procedure, and now it is taking extra time to try to figure out what happened. What I am requesting is that the funds, which are mine, are disbursed to me. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Debt collection (Payday loan) with Real Time Resolutions, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Found out ex-roommate obtained a loan using my information thus I am liable. However Upon filing a complaint with XXXX the company attached documentation of amount owed and would never change but is reflecting XXXX as much owed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I had hardship due to divorce and becoming a displaced worker. I contacted OCWEN prior to my last day of work t start modification process in XXXX. The home is underwater and I have exhausted my savings during this stressful process. OCWEN sent me an informal appraisal dated XXXX/XXXX/16 and sent me a copy of the underwater values I have provided everything they have requested. They have lost information effecting correct NVP, missed phone appointments XXXX I have only spoken to my relationship manager on inital call. XXXX/XXXX/16 in the 7 calls following I have a different Agent ID #. I was told by an agent that the phone appointments are completed by an automated system so that calls are on time. However the first available agent will take that call. I have never spoken to the same person twice.I have the right to correct values on my denial ( they said I was denied because was n't behind and had enough assets to pay ) According to HAMP qualifications you do not need to be behind to apply. The homeowner Bill of right says we have the right to one point of contact. It also states that we have the right to appeal denial. I am at my wits end I have gone through every hoop and I DO qualify. They have show great negligence in the handling my request for modification. I have a paper trail including every ID # of agents and every communication. I have confirmations of scans sent and OCWEN stating they did not receive it.. They have missed phone appointments, lost paperwork, drained my savings and I am at the point I can not make further payments at the unmanageable rise in both XXXX and XXXX starting in XXXX from {$1100.00} to {$2400.00}. I have retained part time work at the school district but only get paid monthly. I have providied my first paystub and I have a long term supplemental assignment and sent them a copy of assignment from school district. I have waited an average of 2 weeks wait time to speak to my relationship manager and every time it is someone different. Please look into this matter I have sent my denial appeal package they lost and it was not accepted because my email was restricted ( have copy ) So I resent it again tonight using my other email and it went right through. ( have confirmation ) I complained they lost corrected values and I was actually blocked from sending additional information to XXXXXXXXXXXX. They are breaking every rule for customer service I have every experienced. 
I am highly organized and I have a foot of paperwork from last three months I need help because they are not responding to my request.

Company response to consumer: Closed with explanation