milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/23/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I have a foreclosure sale date of Tuesday XXXX XXXX, 2015. I have submitted a complete loan modification application to my lender Ocwen Loan Servicing , LLC 12 times between XXXX XXXX, 2015 and XXXX XXXX, 2015. My initial submission this time was through XXXX back on XXXX XXXX, 2015. Ocwen contacted me to notify me that XXXX documents were missing and I have provided those missing documents. Ocwen has verbally acknowledged receiving a complete file from me but has not made any efforts to stop the foreclosure sale ( according to the customer service representative I spoke with twice ). They require 30 days to review my application for an affordable loan modification. I was told that they require a complete file more than 7 business days before the sale date and I have met that requirement. I have had a significant loss in my income but have gained permanent employment for 1 year now and desperately want to keep my home so that my family and I will not become homeless. My request is for assistance with obtaining a written notification of the postponement of my pending foreclosure sale date of Tuesday XXXX XXXX, 2015. Also, my request is for assistance with Ocwen providing me with an affordable loan modification so that I may keep my home because that is my desire. I will attach a copy of the file I submitted to Ocwen 12 times within 5 days. Thank you for your time and any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is an error. It does not belong to me. XXXX XXXX XXXX Closed : XXXX XXXX, 2017 I promise it does not belong to me.

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 09/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with MRS BPO, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On XXXX I contacted the debt collection agency MRS BPO Located in XXXX XXXX XXXX XXXX XXXX NJ XXXX at XXXX because my debt from XXXX XXXX had been transferred to them. I was able to resolve the debt and provided them with my updated Mailing address and contact number as well as set up a payment arrangement with them. On XXXX they took a payment out of my checking account and on XXXX, they reported to the credit bureau that my account was delinquent. I was not notified about the account prior to me initiating the call. I was not notified that a negative/ delinquent account status will be posted on my credit report. On XXXX at XXXX XXXX I called MRS BPO to have them remove the collection off my credit since I had a payment arrangement set and they stated that they are not able to, and stated that they would send me an email with proof of payment and also provided me a password to access proof of the payment arrangement notice. Also the customer service agent I spoke with stated repeatedly that I would have to wait 30 days from XXXX to have the debt reflected as being paid on my credit report. They did not provide me with certainty on their actions. On XXXX at XXXX I called to follow up on the said email with my proof of payment arrangement and I was placed on hold, and then told that their computer system is not able to generate a letter or email me proof that I am making payments on the account. Currently, My credit report shows a delinquency even though my checking account will be drafted every month the amount of {$92.00} by MRS BPO. I believe that I should be provided proof of payment on demand and also my credit report should not have reflected the negative balance. Also when I asked to speak to a manager, there was no one put on the phone to speak to me and go over detailed answers to my question about their credit reporting practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2016 about Credit card () with DISCOVER BANK (CO).
Issue: Rewards

Complaint: I made {$7300.00} of purchases on my discover card using XXXX that should have received XXXX % cash back ( {$730.00} of cash back ). Thus far I have only received {$230.00} of cash back related to this promotion and am missing the other {$490.00}. I 've made several calls to Discover but nobody has been able to resolve this issue for me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Around XX/XX/2017 an unauthorized transaction hit my Chase checking account in the amount of approximately {$6000.00}. Upon learning of this transaction, I called the bank and was told to go to a branch. I went to a branch, filed a claim, and signed an affidavit stating that I had nothing to do with this transaction. They closed my account and opened a new account for me. They denied my claim stating that my debit card was swiped in front of a Chase Manager who personally knows me. The Chase Manager who personally knows me is my ex-wife 's friend and ex-co-worker. My ex-wife was a Chase Manager for several years and she worked with the Chase Manager who I was later told by Chase Bank was the one who overrode a tax check made out to another person, to be taken out of my checking account, which made my account negative for approximately {$6000.00}. After they denied my claim, they then approved my claim. I sent countless e-mails and spent countless hours on the telephone trying to get this situation cleared up and their end result was to deposit the money into the new account they had opened for me. This is what Chase telephone representatives told me was the correct action and the action that they carried out. I have had only 2 banks ( Washington Mutual which was bought out by Chase ) in my lifetime and I am XXXX years old. I am also a United States XXXX Veteran who completed an 8 year contract with an XXXX XXXX. I have never been arrested and I have no tickets or warrants. I am as clean as they come. I have lost and requested documentation regarding everything I am stating above from Chase and they do not send me any documents that I request. From my personal experience with my ex-wife and her friends/co-workers, I know that fraud was committed on my account. Chase initially told me that my ex-wife 's friend/ex-co-worker committed fraud on my account and after I told them that I was going to seek assistance from CFPB, they changed their tune and just stated to me that all they did was commit multiple errors to my account, which now results in me not having an account and them wanting me to pay them back for them committing fraud and multiple errors to my account. All of this coming out of the blue after being with Washington Mutual and Chase for decades without one single incident. Absolutely ridiculous. Inside Job. Cover up.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid this debt in 2012 and it is continuing to be reported and collection attempts continue and the balance is inaccurate. I have tried disputes with the bureaus multiple times and with them requesting all the proper documentation but have not ever received anything other then my disputes are verified with no explanation or resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: Several months ago, ( I do not have the exact date ), I tried to close my Wells Fargo Checking and Savings Accounts. I was told that they would be closed. This was a telephone call. They would not send me my money and they would not allow me to do a bank transfer so I took as much money as I could with my debit card from an ATM Machine. I was told to shred my debit card and I did that months ago. 

Recently, two people by mistake made two separate deposits into my supposed closed Wells Fargo accounts. The amounts are {$600.00} and {$150.00}. Wells Fargo will not give them their money back and they will not give the money to me. I have spent hours on the phone to no avail, I can not close the accounts and I can not get my money out of it either and neither can the people who deposited the funds. I was on the phone today for several hours and the same situation prevails, I can not close the account and I can not get the funds out. 

I live in XXXX XXXX XXXX XXXX and can not go to a teller at a Wells Fargo bank to do any sort of transaction. For me to fly from here to XXXX would cost me over a {$1000.00}. All I want to do is close that account and get my money out of that bank. 
Regards, 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 10/17/2016 about Debt collection (Medical) with Medical Data Systems, Inc. (SC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am unsure if what happened to me is a legit reason to be this upset but after trying to pay my bill in full part of my payment was declined so I was contacted again by the collection agency to take care of the rest. After asking if I could call my husband to make sure it is okay to make the rest of the payment I was consistently and rudely questioned as to why I needed to call him. I was shaking they were being so rude and I just could not believe they would not allow me to just call them right back. I understand they are a collection agency and need their money back but I felt like I was dealt with on an inappropriate manner.

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 06-06-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (OK).
Issue: Application, originator, mortgage broker

Complaint: We originally purchased out home through XXXX XXXX ( XXXX ). We refinanced with XXXX XXXX in XX/XX/XXXX. The mortgage was then sold to XXXX XXXX XXXX, then Greentree Mortgage, who became Ditech Mortgage. Jumping forward to XXXX, XXXX. We had an opportunity to refinance at a lower rate, shorter term, plus consolidate four payments. The process went well until a major road block. During due-diligence by XXXX, we determined XXXX XXXX failed to file a lean-released with the title company. Non of the successive mortgage holders caught or brought to out attention this error. DiTech Mortgage was aware of something because in their Title Insurance, Page XXXX ( XXXX ) XXXX XXXX was excluded from their responsibility. Therefore, we can not refinance our home at a lower payment, rate, and term, nor can I sell my home. I am tied to a lender I do not like or want at their. terms not mine. I am locked into a higher rate, term and can not reduce my dept load because of someone not doing their job. DiTech gave themselves a " get out of jail free card '' at my expense. Comsumer 's can not move forward with wise financial decisions when the banking/mortgage entities are allowed to control out finances.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax, XXXX, and XXXX have done nothing to assist me with the identity theft, fraudulent loan in my name, or to bother correcting personal information on my credit report. In XX/XX/XXXX I was called at work by a credit card company to confirm I was trying to make a purchase over 50 miles away. I declined the purchase, contacted XXXX XXXX and then tried to file a complaint with the XXXX XXXX Sheriff 's Department. The deputy was rude and threw the paperwork at me. I have filled it out and sent it to at least one of the credit reporting companies only to have it stay on my report and I am still denied access due to the wrong phone numbers and addresses being on my report. I have never lived in Florida or Oklahoma and yet there are phone numbers for both and one address - all of which are wrong. I also do NOT have two Social Security numbers and yet they are claiming I do. I am not able to access a credit report and last received one after threatening to seek legal counsel yet again from XXXX. 

A creditor is also claiming I took out a loan in XX/XX/XXXX when in fact no loan shows up on my credit report nor did I take out a loan. All three of the credit reporting companies have failed repeatedly to bother correcting the wrong personal information as well as incorrect financial information. 

I have sent in reports and personal information to identify myself frepeatedly and see no point in doing so again since I have been repeatedly denied my rights as a U.S. citizen under the Fair Credit Reporting Act. My records have been inaccurate and I have been denied the correction due to me by this act as well as by applicable laws. I will not be paying incompetent corporations that make money off of selling my personal information in disgusting acts where I was never asked for permission {$10.00} or more for a credit freeze that a criminal can just take off. Due to the hacking and gross negligence of Equifax I do not feel comfortable handing these corporations any more of my personal information since they have proven they are incapable of safeguarding it, let alone keeping an accurate record.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Mortgage (Conventional home mortgage) with Statebridge Company (PA).
Issue: Trouble during payment process

Complaint: Since my mortgages origination with  XXXX  I have never had an escrow account. The loan was transferred to  Statebridge Loan Servicing approximately 8 months ago. On multiple occasions Statebridge called the local tax office a month before the taxes were due ( paid quarterly in NJ ) and the local tax office confirmed that the taxes for the coming quarter were not paid yet so Statebridge took it upon themselves to disperse taxes even though they were not authorized to do so. I had a conversation with the escrow department and the local tax office ( conference call ) to rectify the issue and a person from Statebridge confirmed that it was indeed a mistake for the taxes to have been paid and the local tax office refunded the last quarterly installment since I had paid the tax bill prior to Statebridge 's payment being received. Statebridge assured me and the tax office that this would not happen again ( this conve rsation took place in  XXXX   2017 . Sure enough it happened again for the next quarter. I paid the taxes on  XXXX   XXXX  in cash at the tax office an d Statebridge also dispersed the next quarter taxes even though I paid them. I called Statebridge today (   XXXX / XXXX / 2017  ) and the person said I was wrong and that I do have an escrow account. This person said there was nothing she could do and would have to have the escrow department reach out to me and that would tak e 5 business days.  I understand that a mistake happens but this happened multiple occasions, I have to fight with them all them time and its a vicious circle and I am tired of dealing with these escrow issues that should not exist. I attached a screenshot that shows the escrow being dispersed in  XXXX  and then being refunded in  XXXX  and then again dispersed  XXXX   XXXX .     I also have another complaint to make about them. I paid my mortgage on  XXXX   XXXX , which was a Saturday and they said that because the last business day of the month was the  XXXX , Friday my mortgage was officially being reported late even though I paid the mortgage on the  XXXX , within the 30 day late mark. Is it allowed for a servicer to report a mortgage 30 days late even if the mortgage was paid prior to being 30 days late? I have screenshots that can document this payment as well.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: There have been several credit disputes filed within  XXXX ,  XXXX ,  XXXX  as well as direct t o Portfolio Recovery Associates.  On  XXXX   XXXX  &  XXXX  ( via certified mail ) I have requested an Original Signed Consumer Contract required by Sectio n 609  of the FAIR CREDIT REPORTING ACT,  Portfolio Recovery Associates faile d to provide me valid proof. I also requested proof to be sent o f Portfolio Recovery License  to collect debts they failed to comply with request. Due to  Portfolio Recovery Associates fa ilure to comply on  XXXX   XXXX  , 2017 an  " GENERAL AFFIDAVIT '' was sent certified mail to be placed as record see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Statebridge Company (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I have contacted the company multiple times to have the escrow payment adjusted to the correct amount. I have been told to email the escrow department which I have with no response. I have been hung up on, argued with and told that I could not talk with a supervisor. ( by XXXX on XX/XX/2017 at XXXX ). I have also been told there is no phone number for escrow and I would have to write a letter. This is not the only issue I 've had. Statebridge bought the loan from a prior servicer and did n't have the hazard insurance information follow the loan. I spent months trying to sort that out. I did not sell the loan and I am not an employee of theirs, there is no reason I should be spending time and money chasing things down for them. Loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Debt collection (I do not know) with Kross, Lieberman & Stone, Inc. (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Ask the collection company to prove they have debt with me and was n't a collection agent that bought a account for pennies on the dollar and is now coming after me for a debt that they cant prove by any form of contract that I ever did any business with thus company!!!

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 ALLY FINANCIAL INC. (FL).
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: On XX/XX/XXXX I called XXXX to report a dispute with the balance on my ALLY Financial Account stating that the balance was incorrect by several thousand dollars. I submitted a dispute online as well on XX/XX/XXXX (  dispute ref # - XXXX ). I waited for this dispute to take place for several weeks.On XX/XX/XXXX I checked my account to make sure the issue was resolved as I started to apply for credit and was getting denied because my debt ratio was way over the limit. This issue got me upset and I checked to see what the problem was. I found out that XXXX duplicated my Ally Financial account using the same account number and all other information except added a different balance and now my installment Amount doubled from {$27000.00} to {$55000.00} SO, my credit score dropped drastically and now it looks like I am indebted with more vehicles and a duplicated balance. This infuriated me as now it has made me look as I have more debt than what I can handle which has cause a big burden on my credit and now it puts a stop to my life since I am trying to obtain credit to finish opening my business.I immediately called XXXX and brought this to their attention. Again, submitted another dispute by phone and online ( Ref # XXXX ) on XX/XX/XXXX I checked again and still, they have not removed the duplicated account. Again, I called but this time spoke to the Disputes Dept XXXX and explained to them the issue. They said to give them 5 days and they will fix the problem. Now, it 's been 4 months now and still, the issue has n't been resolved. I checked again on XX/XX/XXXX ( ref # XXXX ) and this time XXXX said these accounts were mine and I was responsible for the full balance and that they will not remove the second Ally account and that they had spoken to Ally and Ally said they are my accounts. Now, this is not true, as they lied to me.This is ridiculous! I now called Ally XX/XX/XXXX to see if they can help me with this problem and Ally said they sent them a letter saying I only have 1 account and gave them that info ( ref # XXXX ). I do n't know where to turn, I 've tried everything to get this issue fixed and XXXX will not cooperate. Please help me, this issue has put a STOP to my daily living as we use our credit for everything we do in life. It 's now 5 months and nothing has been resolved!

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 01/29/2018 about Debt collection (I do not know) with Accelerated Creditors Services, Inc (OH).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: XXXX XXXX has called me and my job and I dont even have any letter from accelerated credit so I dont even know what it is in regards to. He called from number XXXX ( XXXX ) XXXX. When I XXXX this number the complaints are he calls for Debt collections for urgent care however I dont have an urgent care bill the last one I got was in XX/XX/XXXXand paid the XXXX dollars. I would like him to please stop calling and send Debt validation

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 about Bank account or service (Checking account) with SCOTTRADE BANK (CA).
Issue: Account opening, closing, or management

Complaint: To whom this may concern, Scottrade Bank recently suffered another databreach exposing personal information. I was previously an account holder at Scottrade Bank and Scottrade XXXX until being a victim of identity theft and having gone through significant problems as a result of Scottrade 's last XXXX customer record data breach. 

I am writing today to request Scottrade Bank affirmatively confirm or deny whether or not my personal information was exposed in the newest data breach. My former account number are XXXX and XXXX. Additionally, I would like to ask if Scottrade has plans to provide identity theft insurance for these breaches. 

The databreach was reported here : XXXX as well as XXXX and elsewhere.

Company response to consumer: Closed