milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-03-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (ME).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX XXXX Ocwen paid my taxes and homeowners insurance when I was not behind on the payments, increasing my payments to an unaffordable payment. I struggled to make my payments and got behind. Ocwen had me apply home modifications to help make my payments affordable, three times, but they knew I would not qualify for a modification as I had a previous modification done in XXXX. My loan is only allowed one modification per the lifetime of the loan. I have been going through this for several months now. Now, they are saying my PITI payment is {$2000.00} with a breakdown of {$950.00} P & I and {$1000.00} of escrow, BUT my annual taxes are {$2800.00} which equates to a monthly amount of {$240.00} and they can not tell what the additional {$810.00} of my PITI payment is. They could not answer if I have forced placed insurance, but I have paid my own policy with XXXX and it has never lapsed. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On several different occasions, my credit report was pulled with out authorization. Listed below are the different companies XXXX XXXX XXXX inquiry from XXXX XXXX, XXXX, Capital One inquiry from XXXX XXXX, XXXX, XXXX XXXX inquiry from XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no idea where this item came from that showed up on my credit report. I have not received a bill or anything stating exactly what the charge is. It looks identical to a false charges that was placed against me years ago that your agency assisted me with resolving

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TOWER LOAN OF MISSISSIPPI, INC. (LA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: On XXXX XXXX I made arrangements with loan Tower Loan Of XXXX XXXX to pay {$110.00} which is 30 days past due and current months payment on XXXX XXXX. I was contacted by a family member and friends XXXX minutes prior to my arrival home from work and advised that a female employee from Tower Loan of XXXX XXXX in white car was looking for me and waiting for me at my residence with an envelope. Upon arrival at my home the female had left and I was given an envelope she had left with a friend. This envelope contained a letter dated XXXX XXXX stating I am " delinquent in amount of {$310.00} which includes late charges and other fees ''. And, that " if I have not made satisfactory arrangements by XXXX XXXX, my account may be referred for legal action, including having a lawsuit being filed against " me. The letter further states, " In order to avoid legal action being taken against you, please contact me IMMEDIATELY. " Sincerely, Tower Loan of XXXX XXXX XXXX by : XXXX, Manager.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NCB MANAGEMENT SERVICES INC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I recieved a call from a XXXX XXXX claiming he was collecting for his client XXXX mutual. Call back number is XXXX ext.XXXX claim number XXXX. He claimed I had been in an accident back in 2015, but I was n't. He had an old address of mine my full name but wrong date of birth. I have brought this to my car insurance awareness already and I was hoping this agency could futber look into this. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX is knowingly reporting false information to the credit reporting bureaus. 
XXXX XXXX bought an account from GE Capital ( XXXX ) and have continued to falsely report it as an open, revolving account. They are not allowed to report it as a factoring account and list a past due balance as an installment loan, nor was this account in good standing when they bought it. This is a collection account. This account has been settled and continuously report inaccurately. After demanding validation of debt, they failed to respond in the required days with the information that was requested, furthermore I decided to settle the account in order to take care of the item in order to be able to buy a new home before my upcoming deployment. This account is further negatively affecting my credit report and score due to this company 's false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Credit card () with Financial Credit Service, Inc. (AZ).
Issue: Billing disputes

Complaint: In XXXX of 2015 I was contacted by the ARA account recovery service concerning a XXXX Bank credit card which was a debt over 12 years old.I agreed to a pay off of {$950.00} which they agreed to over the phone I paid them off at XXXX per month for 5 months. which I have Bank statements to prof it.My last payment was in XXXX 2015..I was just contacted this month XXXX and billed for the same account stating that they had bought it from someone.I called them and told them I had paid this debt off to them ARA in XX/XX/XXXX.They said that they would check it.When they called me back they said I only paid {$750.00} .I told them I had Bank statements showing I paid them $ XXXX.At this time I requested that they send me their payment account showing the date and amount that they had on file.They refused to send it to me.I asked them if I owed them anything on my account why wait for 8 months to contact me .I am sure debt collection agency would not wait 8 months to collect on my account.They had no response for their actions'The pay off had been agreed to of {$950.00} .When I told them this over the phone, they composed a new letter with new numbers.If I had not old them of this they would have treated this account as a new XXXX now they sayv I owe $ XXXX {$750.00} and now they want $ XXXX.If evident from this that they have a accounting problem and management problem. Please help me because they made an error and now trying to cover it up and make me pay for it..

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (VA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Hello, I have called the company in efforts to resolve this. I was charged a late fee on XX/XX/XXXX in the amount of {$37.00}. The problem is that I made a payment on XX/XX/XXXX. This payment did not apply to the previous cycle and fell within that cycle, so why then was I charged a fee in XX/XX/XXXX and XX/XX/XXXX?  The fee charged in the amount of XXXX is in error and should be credited. The representative on the phone would not listen and could not present information as to why this happened. I asked to speak to a manager and was told one would call me back. I have not heard anything back at this time. 

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 monetary relief
Consumer complaint received 12/30/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Struggling to pay mortgage

Complaint: This is one of many reports filed in regards to both our personal properties and my commercial property. Due to state retaliation beginning in 2014 my I have been unable to meet all of my financial obligations. I testified for a client, which led to the state of georgia loosing the case. EVERY HOME and COMMERCIAL PROPERTY own by myself and or my spouse is involved in Mortgage Fraud and also appeared embezzlement which was not facilitated by us. We have other UNKNOWN individuals uploaded under our names in the state system. WE ARE SICK OF THIS XXXX! We have secured both attorneys and media coverage and will take all necessary action to hold ALL PERSONS ACCOUNTABLE REGARDLESS of their positions. We already know this is a set up. Our credit is suffering. The property in question is XXXX XXXX XXXX XXXX, XXXX Georgia XXXX. THIS IS A FEDERAL OFFENSE AND WE WILL ENSURE ALL INVLOVED ARE HELD ACCOUNTABLE. The ground work has been completed. To top it off the modification company we hired to complete our modifications were informed of our findings and they appear to only be concerned regarding their payments and is obviously covering for the mortgage companies. We were denied our modifications for : Paying too much, 1 day late AFTER WE HAVE SIGNED THE MODIFICATION AGREEMENT and also Making ONLY # TRAIL PAYMENTS which were the qualifications, but the modifications was reversed because now their is 4 trail payments due. We have other individuals information on our Credit Bureau. These are NOT EVEN OUR LOANS!! Chase was sold a loan which was never valid as we never signed any contractual agreement. If they are signed out names were forged, as we never received any signed copies. This pertains to our additional personal properties as well. 


Chase Mortgage is the company involved with this property!

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: I sent XXXX gbp to an online currency company called coinbase on the XXXX XXXX 2017. A few weeks later I still hadnt received the money in my online currency wallet so I emailed the company. They replied to say that they didnt accept GBP anymore, even though the option to trade on GBP is still on their app and website. This isnt a problem and I asked for my money to be sent back. They asked me to send a small payment of 6 with a SEPA payment to verify my bank account so they could return my money. The account was verified but I still havent had any correspondence about where my money is and when I can expect to get it back. Ive emailed their support team every day but they do not respond

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2016 about Credit reporting () with Clarity Services (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: A credit inquiry from Clarity Services Inc. for XXXX XXXX, XXXX is showing on my XXXX credit report. I have made no credit applications in recent history. The CFPB action against Clarity Services Inc in XXXX does not seem to have been effective in altering their illegal behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2018 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 didnt got permission to have my credit ran and I dont have a open account with this company!!!

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 04-09-2015 about Credit card () with JPMORGAN CHASE & CO. (OH).
Issue: Other fee

Complaint: In XXXX, I received a statement from Chase Bank for a XXXX XXXX XXXX, including a renewal fee of {$390.00}. I immediately called Chase and downgraded the card to a lower level ( XXXX ), which had a {$95.00} fee. I was advised to not pay the {$390.00} in that billing cycle and that I would receive a credit the next billing cycle, and to call to have any interest reversed. I was then charged {$95.00} for the XXXX card in the following billing cycle, on XXXX/XXXX/15, but received no credit for the {$390.00}. I called on XXXX/XXXX/15 and spoke with both a customer service representative and a supervisor, both who indicated that I would be receiving the {$390.00} credit but not for another billing cycle. I complained that paying {$390.00} for something I had cancelled and in fact the bank had replaced with a downgraded benefits card ( and had charged a second fee for ) amounted to lending Chase {$390.00} and wait for them to pay me back. The supervisor indicated he would credit the interest from the XXXX billing cycle ( from my non-payment of the {$390.00} in the previous billing cycle ) and that I would see the {$390.00} credited back -- and I should contact Chase in the next billing cycle to obtain a reversal on the additional interest to be charged for the subsequent billing cycle on that {$390.00}. When the current billing cycle statement arrived in early XXXX, there was no credit for {$390.00}, the previous billing cycle interest was reversed, there were new interest charges applied. I called and spoke with a representative, a supervisor, and then an escalated floor supervisor. The representative and the supervisors informed me that I would not see the original fee credited at least til the next billing cycle, that it would not be for {$390.00}, but {$300.00}, and that the downgraded card 's fee of {$95.00} would be deducted from the {$390.00}, despite that a {$95.00} fee for the downgraded card had been charged in addition to the original card ( which was cancelled ) fee of {$390.00}. The floor supervisor indicated I would receive no credit for the {$390.00} despite the cancellation of the card and its benefits, and that I would be responsible for the {$95.00} downgraded card fees ( essentially I would pay for a card and its benefits that had been cancelled when it renewed, and receive no benefits for the {$390.00} ). He offered and will be looking into what had been promised previously. It is inconceivable to me that the bank can charge a fee for a card that is cancelled at the time of renewal, not credit it back, charge another fee for a downgraded card, and then indicate that the original higher fee can be collected without providing the card 's services. As an FYI, this is a Chase XXXX XXXX XXXX, vs. a Chase XXXX Card. I have the statements and names of those to whom I spoke after the initial contact when I downgraded the card, if those are needed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-08-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: A student loan was taking out in my name never had a student loan with XXXX afiled all necessary paperwork several times and all they keep telling me is refile they havent recieved anything and its to the point something needs to be done i have taken legal actions as of of a police report about the incident and its still on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2015 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This account is over 7 Years old and is sill being reported no payment where made since XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Focus Holding Company (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was looking at my credit report and I found there is an attempt to collect a debt from me by Focus Account Receivables which I do not owe. The original creditor was listed as XXXX XXXX XXXX on the credit report. I had service with them 5 years ago, and account is closed. XXXX XXXX also does n't provide service in the area I currently live in for the past 5 years, and I also called XXXX XXXX and they do n't have any record of my name or phone number in their system or anything I owe for that matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have asked Equifax to please correct the items on my credit report. The filing dates and amounts are incorrect for the tax liens. They have refused to adjust although I have sent them supporting documents. I have also advised them the agency that they have provided for me to make contact with advised they can not give them any information on my case as they do not support XXXX XXXX. Also on the credit report the amount {$18000.00} is listed as an individual lien item however that amount is also included in the lien for XXXX. Which means this lien has been reported twice. Please investigate and advise

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via XXXX news. 
Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. I will have to spend valuable personal time securing my identity because Equifax did not secure my personal information. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (TX).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: The problems began in XX/XX/XXXX. I graduated at the end of XX/XX/XXXX in the midst of the global financial crisis. Fortunately I was able to find work immediately following graduation from my XXXX program and keep up with student loan payments. Initially everything seemed to be fine but when I was laid off the following fall in XX/XX/XXXX I quickly fell behind. I started receiving numerous communications from then XXXX XXXX, Department of Education Loan Services specifically suggesting forbearance as a first option for dealing with loan repayment. That I can think of no offer was ever made to consider an income based loan repayment program nor was I aware of that option. 

I have 74 emails from XX/XX/XXXX through XX/XX/XXXX of XX/XX/XXXX that provide a timeline of events. I stopped communicating with Navient in spring of XX/XX/XXXX in the midst of yet another spell of unemployment when it was suggested by a phone representative that I should solicit funds from friends and family to make a full payment after offering a partial payment which the representative rejected. 

It has recently come to light that this sort of practice

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Debt collection (Other debt) with TMX Finance LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX To Whom It May Concern Equity auto loans llc The debt collector is not licensed in the state of Florida, they are violating the FCCPA and in turn violating the FDCPA. Each violation carries a {$1000.00} statutory damages provision for each violation. Please remove this information from my credit report Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I 've been hearing from the news that randomly generated results have been provided as a part of checking to see if I was impacted by the Equifax data breach. This provides no confidence in a system that has already leaked information and waited over 2 months to inform the general public of this breach with no intention of directly informing those who 's information was compromised. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (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 have filed numerous complaints with   XXXX   XXXX   regarding fraud on my credit report.  XXXX  has reported a charge off on a credit card that I never signed up to be a joint owner on. I requested proof or any kind of validation records showing my identity and  XXXX  has been unable to provide anything to me. They have disregarded my request and continued to report this error. I filed an ID theft report and submitted it to all   XXXX    credit reporting agencies and  XXXX  has neither answered the request, nor have they deleted the error from my report.     To my knowledge, I have done everything on my end ( including a fraud alert placement  ) to kee p myself protected. the last stated balanced amount owed is  XXXX .  XXXX  has stalled the investigation process by simply continuing to ask me to send in more information to prove my identity.  XXXX  should have my identity information if proper channels were followed to open a credit card in my name.     The credit reporting agencies only give me a standard computerized generated response. I can tell that there is not a live person looking into my complaint.

Company response to consumer: Closed with explanation