milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/19/2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Struggling to pay mortgage

Complaint: On  XXXX  ( app rox ) I received a modification approval from Ocwen for  our mortgage. On  XXXX  ( see attached proof ) we sent this in to them via email as requested. Also that same day I spoke to them and made my  XXXX  payment so that it would not be late due to the bank holiday. On  XXXX  we made our second payment and I was lead to believe all was ok. We never received notice that they did not have the paperwork nor were we led to believe that there was any issue. On  XXXX  I received my scheduled call from our Relationship Manager and at this time he tells me that our mod was cancelled because they did not have the paperwork.I confirmed this with a email. I then informed him that we sent in in on  XXXX  and at that time he confirmed it and told me that he would have it all straightened out and we would receive the final docs to sign in  XXXX  days. I gave it till  XXXX  and still nothing from them, so I called again, and again told everything is ok, they are working to get it resolved give it  XXXX  more days. So again I wait for the paperwork and again nothing, call them again on  XXXX . This time told its still in review and nothing has been done. At the End of  XXXX , they finally " approved '' the mod and sent me paperwork and we immediately signed and returned it to them via overnight at my personal expense ( also paid notary at my personal expense ) and we again waited. About a week later I get a call from my " relationship  manager  '' and now we are told first that the paperwork had an error and would need to be redone, so I spoke to the ombudsman office (  XXXX   XXXX  and she assured me that everything was correct and if there was an issue she would personally call me bac k. Again nothing for over 2 weeks, until I get again a call from my Relationship manager, and this time she tells me it was rejected due to missing signatures, ( see attached, everything is signed and notarized. So I speak to ombudsman again, and now again the story changes, now ( 3rd thing I have been told from people ) is the amounts are wrong on the paperwork and we need to get them re-sent and signed. So now we are 8 months into the process and still no modification and Ocwen is STILL report ing me as late to the credit services and still charging me fee after fee and extra interest.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Mortgage (Home equity loan or line of credit) with FIFTH THIRD FINANCIAL CORPORATION (IN).
Issue: Settlement process and costs

Complaint: I did not want to sign up for the billpayer program ( auto transfers payments from checking ). The banker said that was fine. Billpayer transferred from my account anyway. I called customer service and asked them to provide me proof I authorized that. They said the form was archived since it was done 3 months ago and they could not prove it. They transferred money from my checking without authorization OR someone forged my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been receiving mail that I have apply for credit which I havent an hard inquirys on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX : I opened an account with XXXX XXXX and ordered XXXX products with them. After having numerous issues with these XXXX products, I took my devices to XXXX, who confirmed that XXXX was not in fact using XXXX components and misrepresenting that they were actual new apple devices. I contacted XXXX, informed them that they have breached any trust or contract with my by falsifying that they were providing me with XXXX products, when in fact they were " reconditioned '' devices with XXXX components. 
I ended my contract that was to be a clean break, no early exit contract fees, etc. with them and switched my service to another carrier. I do n't owe this money, my account keeps getting sold over and over again to new companies trying to collect on this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (AL).
Issue: Other

Complaint: This is a follow-on to the response that Bank of America had sent on Case number : XXXX. 

I have personal reviewed all the documents they have sent and even called some of the companies that were on the statements. However most do not respond especially the shady ones like XXXX and XXXX where I have seen alot of the transaction come from. Also there were foreign transaction fees in which makes things more confusing because I have not left the country in the specified time period that they had specified in the case. It also concern me that they say I had two account numbers XXXX and XXXX and no signed document to show that this account was opened or verifying the agreement of debt. This is their words verbatim from the letter : " XXXX, we regret that we are unable to comply with your request to produce a copy of an original signed application for the account. The application is over five years old and is no longer available. Nevertheless, according to the enclosed Credit Card Agreement, you are obligated to fulfill the terms of the agreement after the account is closed. As of the date of this letter, the amount owed to Bank of America for the credit card ending in XXXX is {$9100.00}. '' The Fair Debt Collection Protection Act actually requires the original signed form of indebtness it in light of the things that happen in the mortgage crisis that led to the Real Estate market crash of 2008.

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 Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The debt in which the collection agency has posted on my credit report does not belong to me. I have called XXXX XXXX and they have no file or information stating that I owe this debt and proof that it s mine. I have tried to contact the collection agency numerous of times and they can not provide me with proof either. Every time I call they put me on hold. One time I was on hold for 1 1/2 hours and never came on. I want to file a complaint and also seek legal council to help me with this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Experian Has a false or unknown social security # on my account and will not block or remove 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 12/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I paid the balance of the credit card when it was due but it still charged me a late fee because the credit card company takes a couple of days to receive the money even though I paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2017 about Debt collection (Other debt) with I.C. System, Inc. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid a debt in full in XXXX/XXXX/XXXX to XXXX. I debt that I had to pay because I lost my home and where I was moving did not over XXXX service. XXXX although I had proof would not allow me out of the business contract I had. I paid the debt through a company called XXXX XXXX XXXX All payments were made payable to XXXX and sent to XXXX XXXX XXXX XXXX I have email letter from XXXX that states paid in full XXXX/XXXX/XXXX. 

Now a collection agency IC System is trying to collect XXXX from me, which was part of the balance I had already paid back in XXXX on the same account. I filed a complaint with the BBB and called XXXX. IC System is refusing to remove the debt from my credit report stating the have the right to do so because they have validity of the debt. They refuse to speak to me when I called them because I reported them to the BBB. The reason I went to the BBB is because they never sent me validity of the debt until I made the request through the BBB. I thought it was a scam because I had paid the bill in full XXXX/XXXX/XXXX. When I called XXXX they no longer have a ledger of payments made and want me to fill out a complaint form. XXXX ca n't even tell me if they turned my information over to IC System. They stated they deal with several companies. 

In the meantime I have to deal with information on my credit report. Why when this bill was from XXXX, paid in XXXX as agreed can a collection agency come up with something like this? I use checks to make payments and sometimes money orders. I will have to now try and locate both from years ago. I would have to pay for XXXX to XX/XX/XXXXstatements in order to do this and feel I should not have to do so when I have confirmation from the XXXX XXXX that I was paid in full. I have 26 communications over the 7 months of me paying XXXX payable again to XXXX. I am unable to reach the XXXX XXXX listed below and get no answer. 

Please Help!! 

IC System XXXX. XXXX XXXX XXXX MN XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX DE. XXXX XXXX XXXX XXXX XXXX Fax XXXXXXXXXXXX XXXX XXXX XXXX XXXX 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 07/30/2015 about Debt collection (I do not know) with HCFS Health Care Financial Services, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I contacted ARS on XXXX/XXXX/2015 to dispute an item they placed on my credit file. I sent them a dispute letter asking them to provide me with information on this debt with my signature agreeing to this debt. XXXX days went by, they sent nothing. According to federal law and the FDCPA they were suppose to remove this item. They did not. I then sent them a letter on XXXX/XXXX/2015 asking them to cease all communication with myself and XXXX, XXXX, and XXXX. They have failed to do that as well which violates The Fair Debt Collection Practices Act. If they contact myself or ANY of the XXXX Credit Bureaus regarding anything concerning me I will immediately contact FL Attorney General XXXX XXXX directly as well as file a complaint with the 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 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX XXXX charged me {$400.00} deposit on a cell phone I was purchasing in full, at retail price, in cash, in person. 

This happened when I opened my non-contract pay as you go plan. I purchased the XXXX XXXX XXXX. 

I later found out that they performed a hard inquiry on my credit. 

During this interaction, I had never BORROWED anything from XXXX. I am not on a contract plan, I am paying month to month. I feel that this credit check is unwarranted as I never applied for any line of credit or borrowing. 

I later sold this phone and disconnected the line. It took months and multiple phone calls to get this deposit back. They originally told me I would receive a check in the mail. I never did. They applied it to my account balance without notifying me. 

I had also purchased an XXXX phone at a different time, and was also charged a deposit. Again, no borrowing. I paid the full price for the phone. I have since sold the XXXX, and purchased a XXXX XXXX. I brought this onto the XXXX network by swapping my sim card. Now that the XXXX is no longer on my plan, I would like the deposit to either be credited to my account, or mailed to me. 

Throughout my experience with XXXX, I have had issues with my coverage. Especially after Hurricane XXXX hit my area. I get 1 bar of service in my apartment. This has n't been fixed, and it seems like almost every call to XXXX is STILL about trying to get my deposits resolved. They have not sent me a signal booster like I 've requested multiple times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (TX).
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 was set up on ACH with TD Auto Finance and had no issues until the last payment. They did not auto draft the last payment and I was not aware of this until I saw the mark on my credit report. I contacted the company and they said it was there policy to do this with every account. I should of been contacted by them by phone, email or even mail. They said they sent a letter stating this to an old address. They should realize that I am an upstanding customer after 60 months of payments with never being late once. They are refusing to take any blame in this and will not submit a reversal of the late mark with credit companies. I was told by the customer service that they would but then received a letter later stating that they would not. I have called back multiple times and spoke with a manager named XXXX XXXX with was extremely rude and not willing to help at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/25/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CO).
Issue: Loan modification,collection,foreclosure

Complaint: We have been trying to get a modification on a XXXX mortgage since 2011. XXXX time we are told it has been written off, then yes it can be modified, then it has been written off, a {$60000.00} loan is now {$90.00}. They say it has been given to a XXXX party for collection, but ca n't give us the name of the company se we can contact them, they only ask how much money can I afford to pay it off, but I never have enough and it keeps going up. They will not accept payments, the interest rate is almost 13 %, they modified my XXXX mortgage but wo n't the XXXX and keep threatening foreclosure, I want to make payments on it, I want to keep my home, but I get a different story every time. The last denial was because the HAMP only modify 's XXXX mortgage, which is not true, HAMP will modify XXXX mortgages, but they did not research this. XXXX XXXX has been helping me through out all of this, she has made several appointments with the account rep ( since no one else can give us any information ) to no avail. We can not pronounce the persons name nor can I understand them, I have asked several times to speak to an XXXX to no avail. We need help, I have several letters over the years, some stating that a modification is available. Please help me with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX Account re-aging. Account activity has been disputed twice. Age of debt has been disputed twice with documentation sent to CRAs. Reported activity just changes to new random activity in the closed account and credit dispute is reported as " updated '' New activity reactivates reporting period. Equifax just added " OK '' for every month until present date to the XXXX account closed since XX/XX/XXXX Original date of age off was XX/XX/XXXX in XX/XX/XXXX now age off date is XX/XX/XXXX Data for joint account holders of same XXXX account reported by same CRA Experian does not match. The reporting is random " OK '' then " XXXX '' the next month. account closed for years with no activity then shows " XXXX ''. This is blatant debt re-aging There are at least 5 different XXXX and multitudes of dates when the account was closed.

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 07-06-2017 about Debt collection (Other debt) with Diversified Recovery Services Inc. (MS).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Diversified Recovery Servic  es  continues to call and attempt to collect money from me for a  XXXX  account that I never had. I 've disputed this with  XXXX ,   XXXX    and  XXXX . All have been removed. Once ever y 2-3 mo nths they will pop back up and I have to dispute them again. I 'm tired of telling  XXXX  and their  collectors to stop calling me for a debt that is not mine! I 've explained this to all of the collectors  and to  XXXX  and it ' s STILL hap pening!

Company response to consumer: Untimely response
Consumer complaint received 04-03-2015 about Credit card () with U.S. BANCORP (FL).
Issue: Customer service / Customer relations

Complaint: Dear XXXX. 
I offer them a XXXX payment on the account to have the account paid, and have my credit card report clear. 

Thanks for your time and attention XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX didnt provide me with the agreed upon paper or electronic statement for two months. No paper statements ever got to me and then gave me a call on XXXX for the first time. They explained I had a late payment for a bill of about {$12.00}. I explained back I never got a notice or any reminder of that in any possible way other than promotional emails and routine emails. I was promised that if I pay on the phone entire amount plus 1 month ( not 2 months! ) of late fees, there will be no problem with credit reporting or anything else. I paid all in full as agreed upon on this first call I got form XXXX. Same day I saw to my surprise and against all that was explained to me on the phone that my account was reported delinquent by XXXX. I called back several times to talk to the XXXX XXXX Credit Department but they didnt want to help or explain why the reporting happened after my account was fully paid. In addition, they only send me a notice to dispute the status of the account only after it was in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I purchased auto insurance with a new insurance company prior to the next payment due, XX/XX/XXXX, on the last month of an existing auto insurance policy. I received a past due notice from XXXX and sent them documentation proving I was insured with another insurance company. 
Credit Collection Services was assigned my account XXXX, I contacted them and described that I had sent XXXX documentation proving I had other insurance. Credit Collection Services, CCS asked me to send them the same documentation, which I did. CCS sent a letter stating XXXX would not accept the documentation. 
I received a Status Update, dated XX/XX/XXXX, copy attached, and another letter last Friday, dated XX/XX/XXXX copy attached, offering a 50 % settlement opportunity. 
I am seeking your assistance in ceasing this collection attempt by CCS on a debt I do not owe. I have attached a copy verifying coverage prior to the last payment due.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Hunter Warfield, Inc. (NV).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Hunter Warfield is a collection agency for XXXX XXXX XXXX.They are fraudulently and incorrectly stating on my credit report incorrect date opened or dat of service. I would like to appeal date of service when i occu ] ied residence. I move in the apartment homes at XXXX XXXX in 2010 i  gave a 60 day notice and move out. It still showed as an open collection account. I will like to have them verify my signature on the contract that i signed to where this is not legal. To keep reporting a substantial amount of XXXX owed as past due. Which should allow my monthly payment amounts on the contract that doesnt even show on 2 credit reporting agencies. This dishonest action has caused me to be denied credit for a home for my family. By appealing this request to verify Date of service, wriiten contract and signature allow me to provide a warm safe home for my family.

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 02-03-2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CO).
Issue: Managing the loan or lease

Complaint: how many days are in billing cycle ending XXXX/XXXX/17 exact number please and how many from XXXX 2017 exact number please

Company response to consumer: Closed with explanation
Consumer complaint received 12/25/2017 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 information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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