milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-12-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I am filing a complaint against Ocwen Loan Sevicing. LLC.I am in the process of filing a " Deed in Lieu '' on the property, XXXX XXXX XXXX XXXX XXXX, WA XXXX.Ocwen is stalling on this process. They do not have title to the property so they ca n't release the property as a short sale or a deed in lieu. Lien title holder is XXXX XXXX. XXXX is under fraud investigation.Ocwen sold the XXXX lien to XXXX XXXX. They are selling something they do n't own. Ocwen has defrauded me of all payments made. Ocwen is not entitled to receive payments as they are not on record.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with RR Resource-Recovery (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I cancelled my membership at XXXX XXXX. However they kept me as member for 4 more months. They sold my debt to collection company. Neither health club nor collection company did not provide me with any papers verifying my debt, membership status, payments etc. I sent multiple written requests to collection company asking to verify the debt and send me a breakdown but never received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: In  XXXX  of   XXXX   we discontinued our  XXXX   XXXX   XXXX  service. We were forced to move from our home and we tried to keep th e service.But   XXXX   XXXX   XXXX  did not offer service in our new area. Forcing us having to cancel service. When we canceled our bill was  XXXX  balance and due to the circumstances they were not going charge us early termination fee as we were keeping our  XXXX  service. And it was all bundled together when we signed up. In fact we even paid a  XXXX  $ deposit for the service when we started.    XXXX   XXXX   XXXX  continued billing us and still had our account messed up as it was still linked to  XXXX . It was n't until  XXXX  of   XXXX   that  XXXX   XXXX   XXXX  shut down our verse account and made it a  XXXX  bill. We have disputed this bill over and over for a year to the date.   The bill is now in the posse ssion of Southwest Credit Collection Agency. We disputed this bill in there office.We have requested a full explan ation of bill. When they sent us a bill they also sent us another bill from a hospital. Which is n't ours. It also has the hospitals account number as well as the hospitals foundation number on the paper.   It is in violation of FDCPA law  805 se ction B.   They did n't even send us our bill as requested.   They are now claiming early termination charges as well  as misc charges in which we or southwest credit collections ha s no clue.

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

Complaint: I am not an active credit user. I am a responsible consumer. I experienced a work injury and I had to file for worker 's compensation.. During the negotiation period, medical bills were piling up. Even though they were informed that it was a worker 's comp. medical case the office submitted my over due medical bills to the credit reporting agencies. I have requested often to have late payments, bills paid in full to each of the agencies, and they each take their time in responding to my request. Are they do not correct my credit report. and increase my score. My attorney XXXX XXXX has sent to each of the credit bureaus copies of the paid in full accounts. at least 3 times. I need my credit score corrected and increased and old medical bills and student loans reported as paid in full and removed off of my credit history. I was sure my score was high since I 'm not an irresponsible spender. Only to learn that I was given a low score because I did not have any debt. So, I made a purchase and started making payments. This purchase will be paid in full in the next few months. The company keeps trying to get me to make another purchase because of my prompt payment history.XXXX XXXX only reports to XXXX of the credit bureaus. This is awful. I asked them why not all XXXX of the agencies, they do n't want to pay fees. I thought my credit score was XXXX or XXXX since I am a responsible steward of my money. I am hoping that your office will handle my concern now. I want to Thank Your Office now for being available to handle challenges such as mine. I know it will be resolved with ethics something that is missing in the business world today. Thank You

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 03/24/2016 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (IL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I received a message from XXXX company who said it was attempting to collect a debt I owe. I called the number back who said it was a non working number for Chase. This same company left a message on XXXX other phone numbers that have never been associated with any account I have. It was disclosed on answering machines/voicemail that they were attempting to collect a debt from me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have sent the demand letter to XXXX credit bureaus for updating my credit report and scores, but they do n't do anything, I still not get my credit report. 
Please update it now, it is my right to have that information.

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 07-01-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: The college I attended closed and was charged with fraud, my degree was not real and no jobs provided, I was lied to and received high interest loans that that now total  XXXX  I was told the closing of the school would result in discharge of federal debt, but this was not the case. I tried to get forbearances, or deferments but the interest is culminating at a high rate that I can not afford. the only this I was offered was a income based loan payment, and even this is incorrect I was told I could pay  XXXX  a month but my fi rst two b ills were  XXXX , and I was told if I did not pay them I could have my wages/bank levied or tax returns seized. This school was a waste of time, I received nothing from it but the debt. Attended school  in 1996 and  still paying and still owe  XXXX ? this is ridiculous, Please help. The service is poor and n o one wil l help. The are in a class action suit for same reasons, how can I be included?

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have reviewed all three of my credit report have saw numorous hard inquiries on my report i never gave approve for such as.     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 / XXXX / XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX / XXXX / XXXX  There is numerous  XXXX  inquiries  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  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 06/21/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: On, XX/XX/XXXX, I entered into a retail installment sale contract with XXXX XXXX XXXX XXXX XXXX to finance the purchase of a XX/XX/XXXX XXXX XXXX. As part of the transaction, I purchased Guaranteed Automobile Protection ( GAP ) for {$500.00}. I experienced a total loss on XX/XX/XXXX and notified my casualty insurance company. Per Chrysler Capital, a GAP claim was submitted to the GAP Administrator, XXXX XXXX XXXX XXXX As of today, XXXX XXXX XXXX XXXX has not honored the claim. This has caused me to pay additional interest because my balance has not been reduced by the GAP proceeds and I may also have experienced negative credit reporting. The following is the contact information for XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Texas XXXX XXXX The dealership that sold the GAP may be contacted as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX, Georgia XXXX XXXX All required information has been provided to XXXX XXXX XXXX XXXX and I paid the premium through XXXX XXXX XXXX XXXX XXXX. I respectfully request for you to assist me in having my claim processed. Enclosed please find my complaint to the CFPB, Chrysler Capitals response to me and the claim documents provided to XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Checking or savings account (Checking account) with IBERIABANK (FL).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: After having a substantial relationship with  Iberia Ban k, I got a notice they have decided to close my account and gave me no reason whatsoever. I had  one issue  with a wire transfer which was refused and caused an issue on my account, while I was traveling for a family emergency. The signer on my account had his account effected and him being on my account effected my relationship Upon fixing the issue, I was told my accounts were to be closed including all of my lines of credit, business accounts and personal accounts.     I am an ideal client and maintain substantial balances in the accounts and own and operate recognizable businesses.     There was no reason whatsoever my accounts were closed. I had issues which were addressed and fixed the moment they were brought to my attention. I want to have my relationship back as this is the only bank which operates in all the states we do business.

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 03/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: late payments that were reporting as late which is incorrect. accounts reporting inaccurate balance and open dates. student loan payment that was paid still being reported as being late. payment status being reported as late when in fact its not late. 
XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX was not late but still being reported as late XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. was not late but still being reported as being late. received letter stating account was deleted and removed from report but still it was showing on credit report. forward letter with proof showing it was suppose to be deleted and removed from account but got responce that it was verified without any documments to prove such verification.

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 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: XXXX has multiple accounts with my social security number attached to them in states i have never resided in. as a result the debt collectors have reported them to my credit report which is hurting my credit.
i contacted com cast., the collectors. and the reporting agencies. to date nothing has changed after 6 months

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Credit card () with AMERICAN EXPRESS COMPANY (MS).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I used my credit card with XXXX yesterday. I was scammed. They got into my computer and locked it up. I called the no. on the computer and they said I had viruses on my computer and I had been hacked my foreign countries. Said they were the only ones that could fix it. Dumb me, fell for it to the tune of {$290.00}. XXXX. is what is showing up on my credit card, but I was talking to someone who said they were XXXX XXXX, tele # XXXX. I researched them, and they are definitely a scam company. Hope they have not ruined my computer. I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Credit card () with BARCLAYS BANK DELAWARE (AZ).
Issue: Billing statement

Complaint: A charge on my XXXX periodic statement from Barclays Bank was identified as having been posted to an account number that was closed by the bank due to a security breach in XXXX. A new account number was issued in XXXX. The bank was unable to explain how a charge ( which was, in fact, unauthorized ) could be posted to an account that had been closed by the bank due to a security breach 17 months earlier. I was initially advised that the charge would be removed because it was unauthorized, but because it was a card number I had previously held, my current card number would have to be changed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (OH).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: In approximately XXXX, XXXX, I made a reservation on XXXX XXXX for a trip to XXXX using a credit card. I then received an email that if I used XXXX XXXX XXXX XXXX Platinum for other fees, there would be no luggage fees. I applied for the card and was approved. I put my luggage fee on the card but later was told it was only waived if I used the card for the purchase of my ticket. I paid the fee on my card and cancelled the credit card because their agents refused to waive a {$25.00} late fee on a {$25.00} charge and because of the false advertising. 

It has been a nightmare since that time. I got calls every day because they billed a late fee on a late fee which I did n't pay. I then decided not to fight for such a small amount and paid my XXXX bill by the due date of XXXX XXXX, XXXX by mail.It was received by them by XXXX XXXX, XXXX but they did not credit it to my account until Sunday, XXXX XXXX, XXXX and sent me another bill for a {$35.00} late fee plus interest on a {$25.00} late fee. The card says there is a late payment if they do not receive the payment by XXXX XXXX, XXXX. They could not have received the payment on XXXX XXXX, XXXX because there is no mail on Sunday XXXX XXXX, XXXX. 

In my opinion, that is fraud - To hold a payment until is overdue and then charge a late fee on a late fee with interest. 

The only item that was ever charged to my account is {$50.00} in luggage fees ; nothing else. 

I am warning others not to apply for a XXXX XXXX Platinum Select Card I am also asking the CFPB to investigate the practices of XXXX Cards. 
Specifically, their practice of not crediting payment on the date received and charging late fee and interest on a late fee. 

I am an attorney in Ohio.

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 monetary relief
Consumer complaint received 03/23/2017 about Bank account or service (Checking account) with ALLY FINANCIAL INC. (IL).
Issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX I ordered XXXX cashier 's checks for {$2000.00} each to be expedited to an address in XXXX. Through mislabeling on Ally Bank 's part, those checks did not reach their intended recipient. It has now been 1 month since I have requested the money be put back in my account and it has not happened. I have been told three different stories from Ally about them either being mailed out, or the money being put back in my account that has yet to happen.

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 monetary relief
Consumer complaint received 06-10-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America employee - XXXX " XXXX '' XXXX denied submitted hardships on request for loan modification. These documented significant current hardships were ignored per XXXX XXXX. He would not even look on the BofA portal where these hardships are date stamped. He stated according to BofA I had no hardship which is extremely confusing since these documented detailed multiple hardships were uploaded to the bank 's portal. XXXX XXXX repeatedly denied the existence of any hardships and stated repeatedly that no modification would be approved. Thess hardships were caused by seeking a modification for BofA. BofA sent confidential letters to the property where tenants mistakenly believed that this property would be foreclosed. BofA inspectors stopped by the propery also distribing tenants and implied foreclosure, tenants also asked and were granted early termination of their lease due to these false threats. This caused a significant income reduction for me and I asked for a loan modification with BofA due to a increased expense my XXXX loan was reset. There is massive confusion with BofA XXXX day my loan is denied and I am not allowed to appeal even though the underwriters missed the hardships. The NPV were missed calculated and note provided to me. BofA states I have no need for a modification however I have proven, detailed over and over date stamped by BofA I have several hardships. I have XXXX different areas of BofA calling me all of them state I am denied.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Debt collection (Auto) with ALLY FINANCIAL INC. (DE).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Ally Bank Collections called a distant relative that is elderly and left a very long detailed voice message with detailed information that I did not authorize being divulged. This was done as a phishing expedition and caused XXXX on the elderly individual.

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 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I am filing complaint against XXXX and TransUnion for reporting inaccurate information regarding Bankruptcy that they are reporting on my credit file. I sent them letter regarding my dispute and I received the results stating verified. They did not verify anything. The information they pulled is from a third-party reporting and that I was told from the Court Clerk they do not report along with attached copy of the letter from the court saying they do not report therefore it needs to be deleted.

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 10/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep getting hounded by a local debt agency that ask for sensitive information such as my social security, and credit card information to pay the debt on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Bank account or service (Checking account) with KEYCORP (CO).
Issue: Account opening, closing, or management

Complaint: I went into the bank, closed my checking account and told the teller, branch manager and a service rep that I intended to stop the autodebit i had to pay our 2nd and 3rd mortgage. I asked for a new auto debit form and since i didnt have a check on me we couldnt set up the new debit. I told him that in reality you just need signed auth for a recurring ach debit because a prenote would verify the info before actual payment is mafe. The branch manager told me he still couldnt do it. I called later agter i got a check the XXXX branch and the XXXX branch for a form without resolve. I then stopped back into thr XXXX branch where they couldnt set up the ach and then the teller told me the autodebit caused the account to teopen and then charge my account XXXX fees plus one of the payments posted. The teller couldnt help me. I emailed the banks helpline and they didnt help me. I stopped into the XXXX branch 3days ago snd still have not gotten resolve. I got s call from the nranch manager to which i missed and hVe called her back 5 times and email ed her once. Her voicemail says not to leave a m ssage. Aside from breaking nacha rules this is extremely deceptive. I just want it corrected so i can pay my mortgages.

Company response to consumer: Closed with monetary relief