milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-01-2018 about Payday loan, title loan, or personal loan (Payday loan) with Rosebud Economic Development Corporation (FL).
Issue: Struggling to pay your loan

Complaint: I borrowed a loan for a {$1000.00} and the they have an agreement form stating this. 

ANNUALPERCENTAGERATEFINANCECHARGEAMOUNTFINANCEDTOTALOFPAYMENTSThecostofyourcreditasayearlyrate.Thedollaramountthecreditwillcostyou.Theamountofcreditprovidedtoyouoronyourbehalf.Theamountyouwillhavepaidafteryouhavemadeallpaymentsasscheduled.XXXX   % {$2300.00} {$1000.00} $ XXXXYourPaymentSchedulewillbe : NumberofPaymentsAmountofPaymentsWhenPaymentsAreDue1 $ XXXXXX/XX/XXXX2 $ XXXXXX/XX/XXXX3 $ XXXXXX/XX/XXXX4 $ XXXXXX/XX/XXXX5 $ XXXXXX/XX/XXXX6 $ XXXXXX/XX/XXXX7 $ XXXXXX/XX/XXXX8 $ XXXXXX/XX/XXXX9 $ XXXXXX/XX/XXXX10 $ XXXXXX/XX/XXXX11 $ XXXXXX/XX/XXXX12 $ XXXXXX/XX/XXXXLateCharge : Ifapaymentis3daysormorelate, youwillbecharged $ XXXX.Prepayment : Ifyoupayoffearly, youwillnothavetopayapenalty.SeethisLoanAgreementforanyadditionalinformationaboutnonpayment, default, anyrequiredrepaymentinfullbeforethescheduled. 

This is what I put my self into. I am a consumer who needed help at the moment working pay check to pay check. I was struggling to pay it back and my salary was not enough to cover the bi weekly payments of {$280.00}. 

If I'm late they charge a fee on top of it and the loan was {$1000.00} and if I did continue to pay it bi weekly of just XXXX It will total to about {$3000.00}. 

I'm just curious if this is a legal form of business. 

Thank goodness my father help me out big time on this deep hole, I put myself into. If it was just me I would be paying this bank for the rest of my life. 

We decided to pay it full in one time and it totaled to XXXX. That's the final amount I had to pay due to more than 75 % interest rate. This is a big learning experience for me I had no idea what I was going into. Yes I'm ignorant about the agreemental but I needed the money. 

The point I'm trying to share to anyone here is that is this even legal for someone to charge you that high amount of interest and if you borrow a XXXX dollars you'll have to pay for the rest of your life the XXXX in total of roughly 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 10-06-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have been devoting my entire life for the last two years fighting with OCWEN loan servicing. They are completely and totally inept, send us letters saying they have n't received payment when the check has cleared BEFORE the date of the letter. Their call center is in XXXX, and they just have drones answering the phones reading from scripts. That is how I got into this mess in the first place, by following the instructions I was given from XXXX. That was two years ago, and I am still fighting. It should not be a full time job paying your mortgage and dealing with the mountains of incorrect and useless paperwork one receives from them. However, i refuse to give up. If I have to DIE from fighting them, I will.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2015 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan modification,collection,foreclosure

Complaint: Dear Sir/Madam : We are now facing foreclosure process from our home mortgage lender as of XX/XX/2015. Our home equity loan with " OCWEN '' has matured as of XX/XX/XXXX, and full-payment of $ XXXX is now due. I was only notified by Ocwen over a phone call, after the maturity date. No monthly statements was sent to us prior to the maturity date, ( see exhibit # XXXX : of last mail received to the correct address ). Ocwen said, it was because we did not give them the correct mailing address. During that time, I was told I could ask for a modification on our loan. So immediately I had provided full supporting documents & applications to Ocwen. It took Ocwen about 1 1/2 month later, on XX/XX/2015, just to deny our application. The reason for denying, is that the loan has already matured. But why would they have me go through this process, when they knew it will not get approved. But during this period of time, I was also working diligently with a mortgage financing company to get a 30 years fixed loan approval and pay of Ocwen. But we encounter an error on our credit report, that must be addressed prior to getting the loan approved. Now we are waiting for it to get updated on the XXXX credit bureaus. 

While I was getting a new credit report, I discovered that Ocwen had already submitted to our credit reporting that we were late on our payment. Technically we are still making payments to Ocwen, but they returned 2 of our last monthly payments. It 's not late, we did not miss any periods, the loan is matured. 

The new lending now tells me that there is nothing they can do to get us approved, and no other banks will approve us neither, due to this late payment reporting. we can not even sell our property, because Ocwen will put a lean on our title. Now we are faced with losing our home. 

I have faxed Ocwen to ask for postponement of the late reporting just so we can get approved, but I have very little confidence Ocwen will help. I suspect they just want to take our house. 

Please help us, we are desperate for help. We have never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Debt collection (Medical) with PlusFour, Inc (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: After having XXXX removed from my XXXX with a doctor flown in from XXXX to XXXX my insurance paid for the procedure. It was a couple of weeks I went back in for a check up, and the local Doctor saw a XXXX on my forehead, he froze it and could n't make up his mind which XXXX it was. He tried to say it was the same one " XXXX '' but it was not. I later get a bill from him which my insurance refused to pay. He is a quack and tried to charge me for something that was untrue. I refuse to pay for a bogus charge.

Company response to consumer: Closed
Consumer complaint received 09/22/2015 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (GA).
Issue: Loan modification,collection,foreclosure

Complaint: Homeowner is currently 3 months behind on its Mortgage. Homeowner situation is of a temporary nature. Homeowner is ready and willing to commence payments. Servicer refuses to consider a request for a partial claim, forbearance or other workout solution. Homeowner believes there is a simple fix to this servicer made complex issue. A payment plan that will bring homeowner to a current position will resolve issue. 



Homeowner is placing Freedom Mortgage on notice, that I am " putting the world on notice '' of the security interest in order to make the secured parties ' rights fully enforceable is known as " perfection. " Secured Party Creditor, which is the Homeowner and will be referred to Homeowner herein after, has the right to Exercise Judicial Enforcement and request damages for the trespass against the Debtor Property, which is exempt from levy and in accord to XXXX Statement # XXXX 2015 XXXX. The Secure Party is the rightful holder in due course. Secure Party has a superior lien against the property in question and is above all others who profess to have an interest. Any attempt to commence a foreclosure proceeding will be consider a commercial injury and will be subject to the collateral value stated in the XXXX XXXX XXXX stated herein. 

A workout solution would be beneficial to all parties. If a workout solution is not met, the Homeowner will exercise its rights under XXXX XXXX accordingly. 

The Homeowner desires a workout solution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have an account that was opened fraudulantly. I have been disputing this several times and it has finally been proven that the macys account that was opened in my name was due to identity theft. However XXXX and equifax will not remove it from my report. I keep calling on this and keep being told it is under investigation. I spend hours and days on this calling XXXX and equifax and just keep being told it 's under investigation. I explained to both of them that transunion has finally removed it but was told these credit reporting agency 's do not work together. That makes no sense to me because I just received a letter from experian informing me that I have been a victim of identity theft and they were notified from the other credit beaurous and they are putting a 7 year fraud victim alert on my report. My question is if I am being told they do not communicate then why did I receive this letter?

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (NC).
Issue: Problems when you are unable to pay

Complaint: I am once again having a issue with the way that this finance company handles accounts. I have a vehicle loan with this company and it seems that they are more interested in taking car back than assisting customers. I have had this loan and worked very hard to get my account caught up. Once it was caught up I was injured at work and needed to miss payment while waiting for short term payments to start. I called to see if my payment can be deferred to the end of my contract or held for a month until payments started and no one at company was willing to help. The only reply I get from them is that my car will be shut off and picked up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Debt collection (I do not know) with Resurgent Capital Services L.P. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX applied a debt that is my fathers and took me to court in XXXX. I went to court and told them it was not mine. In XXXX, I received another summons in relation to the debt. I had my lawyer get involved. She sent them a letter on XXXX XXXX, XXXX tellling then they had the wrong person nd to remove the vdebt from my information ( as well as calling them telling them the same information ). On XXXX XXXX, XXXX, XXXX XXXX filed a garnishment in court for this debt. I debt not receive this information until XXXX XXXX, XXXX because I do not and have never lived at the address listed in the information. Since that time, my lawyer has repeatedly called and been told the garniment will be removed and the money returned. It is XXXX XXXX and the garnishments continue and the money they have taken is now XXXX for a debt that is not mine. A debt that the third party collection company ( not the original owner of the debt ) attached my ssn to because my father and I share the same first name. They have all the information from my lawyer ( including my fathers information to pursue the debt from him ). They were told the debt was not mine in XXXX and never sent any information to prove otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: If XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX are truly mine then explain this written communication from XXXX. I think Equifax has been caught lying. 

In order to verify the accuracy and completeness of the item ( s ), we have contacted the source of the information and provided them with any additional relevant data as it relates to your complaint. In response to the investigation, XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX were deleted from your XXXX credit report .

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I requested validation from this company that includes my signature. The company sent a bill statement from XXXX XXXX in which I never had an account with.

Ive also sent a certified letter on XX/XX/18 request that this company cease with the telephone calls and hey have violated my request by calling two times a day after the letter was delivered.

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 08/23/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (NM).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Filed consumer complaint against midland credit management with NM attorney general, the complaint, acknowledgement letter and response from midland attached. In response to complaint Midland admits their company does not keep copies of account correspondence and failed to provide a true and correct copy of the initial validation letter as I requested in my complaint. As stated in midland 's acknowledgement letter a " validation letter '' was allegedly mailed to me on XXXX XXXX, 2012, however midland instead attached a letter " template '' which provides no evidence of this validation letter existing. In their response Midland failed to provide evidence as requested in the complaint regarding the validation of this debt. Midland ca n't produce this letter because one does not exist and never has. Debt validation never occurred due to midland 's negligence and violated my rights as set forth in FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Debt collection (I do not know) with Harvard Collections, LLC (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have been attempting to resolve issues regarding 2 items that are negatively being reported to my credit files ; which is hindering my ability to obtain new lines of credit and having a major negative impact on my credit score making it impossible to secure loan for the purpose to purchase property. I do not owe Il XXXX XXXX XXXX XXXX any monies ; prior to negative reporting to all 3 credit bureaus I was unaware of this account/ collection. XXXX XXXX or IL XXXX XXXX XXXX XXXX has not attempted to reach me by mail phone etc had they did would have given me an opportunity to request an internal investigation on this account. This account is reporting incorrectly is it not mine ; I do not have a contract/ agreement of repayment for these account. Lastly I would like to address the incorrect reporting of Chapter XXXX Bankruptcy this account is also reporting invalidly and I would like both negative entries removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Weltman, Weinberg & Reis Co., L.P.A. (IN).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: Weltman , Weinberg & Reis Co. of XXXX Ohio received a judgement against me in XXXX Court for a credit card I was unable to pay on because I became XXXX. As of XXXX XXXX, 2016 they have tried to hold/attach my social security XXXX check & my husband 's social security money direct deposited into our joint bank account via the court system. I never even received notice of this latest hearing. Just a notice from the courts that it was done. 
I know the money in the joint checking was tried to put on hold cause my bank contacted me. They did hold the money in the joint savings account, which was a small amount transferred for end of month expenses via the regular joint checking. 
So now, we are faced with the point where Weltman , Weinberg & Reis will try to hold our social security money every month if they want to.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Debt collection (I do not know) with Trident Asset Management, L.L.C. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Trident Asset Management has insisted that I owe them a debt of {$2100.00} that I have tried to explained that I have no knowledge of. I spoke to a XXXX XXXX who would not understand that this is not my debt or a possible fraud. She expressed that I am still liable for the debt. I have contacted the original creditor and they have no record of such incident taking place.I have also contacted my bank and they too have no record of such incident. At this point I am requesting the assistance of this department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/25/2015 about Consumer Loan (Installment loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Managing the loan or lease

Complaint: I have been trying to get help resolving a lot loan charge off with BOA and I am getting the run around.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Debt collection (Auto) with NORTH STATE ACCEPTANCE LLC (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: NORTH STATE ACCEPTANCE DEBT COLLECTOR DIDNT VERIFY COLLECTION, NO CONTRACT, NO SIGNATURE,

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Debt collection (Medical) with ONLINE Information Services, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently pulled my credit report and this company has reported that I owe them a debt. I never received a letter from them informing me that I owe the debt. I have never gave this company permission to access my medical records. I was not afforded my rights under the FDCPA section 809a

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Credit card () with BARCLAYS BANK DELAWARE (GA).
Issue: Rewards

Complaint: On XXXX XXXX, 2016, I took a flight from XXXX to XXXX on Frontier Airlines. On the flight, I was offered a credit card application for Frontier Airlines. If approved, I would receive XXXX air miles and XXXX bonus miles after I paid the XXXX annual fee and made a purchase with my credit card. I received my card from Barclays Bank. The account open date was XXXX XXXX, 2016. On my statement from XXXX XXXX, 2016 to XXXX XXXX, 2016, I paid the annual fee of {$69.00} and made purchases of {$140.00}. 

I made a call to Frontier Airlines on XXXX XXXX, 2016 to find out why I had not received the XXXX miles. They said I would have to call Barclays Bank, which I did. 

I talked to a XXXX on XXXX XXXX, 2016, a woman on XXXX XXXX, 2016 ( I could n't understand her name ) and XXXX on XXXX XXXX, 2016. I was given a case number of XXXX. I was told that I had been given a temporary frequent flyer number and then a new frequent flyer number and they needed to merge the XXXX numbers. 

I called on XXXX XXXX and talked to XXXX and I was told that it should be corrected by Friday, XXXX XXXX. 

I called on XXXX XXXX and told XXXX that I wanted to talk to a supervisor about this and he put me on hold and never came back. 

I called back and got a representative that I could not understand. I asked to talk to a supervisor, she put me on hold and after five minutes on hold, I hung up.

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 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Equifax credit reporting agency continues to show an open collection on my report, with  XXXX   XXXX   XXXX , that should have been removed when the original account " timed out. '' I have disputed this with another credit reporting agency but they refused to remove it until they received contact from CFPB ; this action took over 75 days so this time I 'm going directly through CFPB to have this account, well past the Statute of Limitations in Oregon, removed and the company notified to stop reporting it on a monthly basis.   Do these reporting agencies have no oversight!

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Delinquent account

Complaint: My credit card information has not been updated for a XXXX Capital one account

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Debt collection (Auto) with JPMORGAN CHASE & CO. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: In the first week XX/XX/XXXX, a representative from XXXX phone me and advised that my insurance policy was schedule to be re-new beginning XX/XX/XXXX and there be an increase in my premium because I had a small auto accident within the past year. She quoted me a price of maybe a {$25.00} a month increase. At that time I also informed her that I would be moving from XXXX into the city XXXX XX/XX/XXXX. She quoted me a price of {$450.00} to be insured in the city and I immediately told her to cancel any further service at that time. I went on vacation XX/XX/XXXX after moving into my new resident. I made a lot of debit and credit card transactions and did n't realized that XXXX Insurance company had charged me a premium XX/XX/XXXX after I cancelled their service. The next month while checking my account, I discovered that they had taken another payment out XX/XX/XXXX and I immediately notified my bank and filed for reimbursement after I talked to XXXX by phone. They agreed by checking the initial conversation entered into the system that I cancelled the policy and that the representative did not enter the appropriated information into their system to stop payment proceedings. They agreed to refund my payments. I choose to go through my bank and pay the fees instead of waiting for XXXX. XX/XX/XXXX I received a letter from XXXX insurance that I owed them {$470.00}. I called them immediately and I was told XXXX to emailed documentation that I was insured XX/XX/XXXX which I did. Last month ( XX/XX/XXXX ), I received a phone call from a collection agency stating that they were representing XXXX and that I owe them {$470.00} and did I want to dispute the charge. " I said yes '' I thought the matter was resolved. I checked my credit report yesterday and XXXX has this charge reported as in collection. It 's unfortunate that companies like this think that it 's ok to collect or banger the public for monies they did n't earn. From my understanding and my initial phone conversation with the XXXX XXXX, it was understood and determined per her records that I did indeed cancel my coverage with them in due time.

Company response to consumer: Closed with explanation