milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/14/2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (LA).
Issue: Loan servicing, payments, escrow account

Complaint: Borrower XXXX purchased her home at XXXX, LA in XX/XX/XXXX for {$39000.00}. To purchase the home, she took out a FHA Loan at 8 % interest. Her monthly principal and interest payments were {$280.00}. For the duration of the loan, she has paid taxes and insurance out of pocket. 

In XX/XX/XXXX, XXXX lost her job and was placed on a 3 year workout program by HUD. During this time, her monthly payments were reduced to {$79.00}. She continued paying principal and interest out of pocket during this time. She was verbally informed that the {$8000.00} in interest she accrued during this time frame would be forgiven upon the maturity date of her mortgage. 

After she began making payments towards her mortgage once again in XX/XX/XXXX, XXXX remained current on her loan until this date, aside from two months after Hurricane XXXX in XX/XX/XXXX, which she promptly repaid. 

As her loan was approaching its maturity date in XX/XX/XXXX, she was made aware that there was still an outstanding principal balance of {$15000.00}, plus an interest arrearage of {$8100.00}, and additional fees for a total payoff amount of {$23000.00}. 

It is unclear why there is such a large remaining principal balance when the borrower 's loan was fully amortizing, and it appears that the servicer has failed to forgive the interest arrearage as agreed to at the time of the workout option in XX/XX/XXXX-XX/XX/XXXX. 

The outstanding principal balance on the loan does not appear to be accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2016 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: AD ASTRA RECOVERY SERVICES contacted me and said I had a loan with XXXX XXXX. I told them I did n't and to send me verifiable proof that I had a account I knew they would n't be able to because this was Identity Theft. They said they could n't provide any information on the account. I spoke with fraud dept, called repeatedly, sent affidavant and proof of theft by authorities. After all that trouble they reported collection accounts to all three bureaus. They refuse to delete the untrue information I have disputed with bureaus but they still remain on reports. This company deliberately harmed me by reporting untrue information damaging my credit.They need to fix it .Identity Theft is bad enough without ASTRA trying to damage my credit for something I had no control over.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Billing statement

Complaint: I do n't want to pay the balance on the credit card

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Debt collection (Payday loan) with Concord Resolution Inc (Closed) (TX).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: This has been going on for three ( 3 ) years, and I have filed more than a dozen complaints against various companies for fraudulent attempts to collect a phantom debt related to a payday loan that never took place. 

Concord Resolution is the latest company that is calling me, and their robocalls are replete with violations. 
1. The caller is not identified in 4 of 6 messages. 
2. None of the calls inform me of an attempt to collect a debt. 
3. All messages indicate I have done something that is subject to legal action. At least one recording suggests I have my attorney return the call. 
4. All are robocalls to my cell phone, and my number has been registered on the National Do Not Call List since XXXX XXXX. 

This non-existent debt was a product of the XXXX XXXX Scam in XXXX XXXX, and these calls have continued since then. The money these scammers are trying to collect was never borrowed by me, and it was never owed by me. 

I am attaching six ( 6 ) voicemails I received within 2 weeks. All six recordings include my first and last name to identify me, yet 4 of 6 calls do not identify the company leaving the message.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Capital One WAS reflecting a 30 day late on my report from XX/XX/2012 with all 3 CRA 's. 
It was disputed and removed from XXXX and XXXX  but it remains on XXXX. 
if the 30 day late has been removed from 2 of the 3 credit reporting agencies why has it not been removed from the 3rd ( XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Credit card () with JPMORGAN CHASE & CO. (CO).
Issue: Customer service / Customer relations

Complaint: I disputed a merchant charge on XX/XX/XXXX for {$1900.00} transaction date XX/XX/XXXX. The merchant failed to honor the contract to install a custom sliding glass door, leaving it installed incorrectly, incomplete, and unwarrantable. The merchant 's would only agree to fix and " reinstall '' the door, which is not warrantable based on the manufacturer 's warranty. I submitted ample documentation supporting this fact, and that the door is completely worthless to me and the amount should be charged back. I received a letter from Chase dated XX/XX/XXXX stating that their investigation learned that the merchant provided the product/service for which I was billed ( which is not true ) and that they considered the charge valid. This was the only explanation provided. I contacted Chase Cardmember Services and spoke with employees and supervisors for about 45 minutes. They could not answer any of my questions about the reasons that they did not advocate for their customer ( me ) over the merchant. All they could say is that the dispute had been closed, could not be reopened, and I could resubmit another dispute. I explained that resubmitting the same dispute would be counterproductive and could result in the same outcome. I told them I needed them to provide more specifics so I could understand why they did not advocate for my position, and provide any additional information to support my case if I had to open a new dispute. I also told them that I was dumfounded that they did not give me an opportunity to rebut any information they received from the merchant ( who has a history of lying ) before they closed the dispute against their good customer ( me ). The supervisor told me that they would send me a letter outlining the specific reasons that they did not advocate for me, along with any information received verbally or in writing from the merchant. It has been 4 weeks and I have not received anything. I also went to my local branch manager and they could not help me. They told me they reported this to the Chase executive office in NY, but I have not heard anything from them. I 'm hoping that a CFPB complaint will compel Chase to respond to their customer 's concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2015 about Debt collection (Medical) with Continental Credit Control (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Violation HIPPA, PHI and California 's Medical Privacy StatuesIn reference to account # XXXXPlease be advised that under Federal Statutes the Fair Credit Reporting Act, ( 15 U.S.C. 1681 et seq ) and California 's Consumer Credit Statutes, you may be held liable for the following actions ( a ) Duty of furnishers of information to provide accurate information. 
( 1 ) Prohibition. 
( A ) Reporting information with actual knowledge of errors. 

A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 

In addition, the HIPAA and California 's Medical Privacy Statutes are in effect in this situation even though the health care services provided may have been prior to enactment. 

The Privacy Rules prohibits a covered entity from using or disclosing an individual 's protected health information ( " PHI '' ) unless specifically authorized by the individual or otherwise allowed under the Privacy Rules. 

In general, PHI encompasses substantially all " individually identifiable health information '' that is transmitted or maintained in any medium. " Individually identifiable health information '' includes health information that is created or received by a health care provider, health plan, employer, or health care clearinghouse, and that relates to an individual 's physical or mental health or condition, including information related to an individual 's care or the PAYMENT for such care. 

The furnishing of my account information is not in compliance with HIPAA, or California 's Privacy Act, and any subsequent reporting of this account on my credit reports to XXXX, XXXX and XXXX is a clear violation of Public Law 104-191 ( " HIPAA '' ) since there can be no permissible business purpose in divulging protected health information to anyone on an account once there is no longer any payment due.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/20/2015 about Debt collection (I do not know) with Weltman, Weinberg & Reis Co., L.P.A. (IL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I have asked Weltman , Weinberg & Reis to not contact me at work and they have continued to call and leave messages, even after told them that I would have my attorney contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Vehicle loan or lease (Loan) with PRESTIGE FINANCIAL SERVICES INC (AZ).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: I have had my car for XXXX XXXX and was in need of an extension for a payment due to having to move. I was on auto pay and advised them to remove me from auto pay due to the situation. When I asked for an extension I was advised I know it wo n't be approved without the agent attempting. 

I have received multiple text messages from the company and calls. I texted back and advise them to seem to cease communications because the calls and text were harassing me. However I have contionisly received phone calls everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (ID).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage servicing company has repeatedly given me inaccurate information in regards to my mortgage loan servicing and loan modification package documentation. I contacted my servicing company when I fell behind on my mortgage payments. They set up an outlined repayment plan, and then waited 20 days to send a letter of acceptance which was 2 weeks past the due date of any payment plan down payment, so I missed the date and the subsequently, the plan was denied. I called back a second time to set it up again, and the CS rep miscalculated the repayment options, and then it was denied again. They then told me to submit a full modification package to see if maybe the modification would be accepted, but continue to be missing documentation and my loan is now in foreclosure. 
I have had the loan modified previously, and was unaware that they could not charge me a modification fee, but going through paperwork ... I was charges {$900.00} to modify the loan along with thousands of dollars worth of " misc fees ''. I also have several years worth of loan documents that are not currently available on my loan from its beginning ; 5 years of statements, payments, and tax records that can not be accounted for, as well as current years taxes and insurance bills that have not been paid and kept current. I have been billed by my local tax authority as well as my mortgage insurance company for monies due that should be paid from my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Credit card () with WELLS FARGO & COMPANY (IL).
Issue: Billing disputes

Complaint: In XXXX my monthly payment increased to {$1.00}. The billing department could not explain why. Since they did not receive the addtional {$1.00}, my payment was processed late and late fees plus interest charges were applied to the following month 's payment. This continued on for 4 month 's with compounding interest and late fees mounting. I have this account set up to pay the same amount every month through my banks bill payer. I should not have to review the paper statements every month to know what my payment is going to be although the gentleman I spoke to said it could fluctuate? I do n't use this card for anything, have made no other purchases on it. Why should my monthly payment fluctuate? This does not occur on my other credit cards. Now my charges have come to almost {$300.00} in late fees and compounded interest over the past 4 month 's. This does not include the regular monthly payment. So in summary, they are now trying to collect almost {$300.00} for a {$1.00} short payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-02-2015 about Consumer Loan (Vehicle loan) with CarMax, Inc. (GA).
Issue: Managing the loan or lease

Complaint: I received a 1 year anniversary of my CarMax jeep and was told I could apply for the skip a payment deferment after the 1 year. We had a medical issue and I needed to get the deferment for that car payment within the month. they told me I could and I talked to the corporate office and she said she received approval. I began getting calls from CarMax so I asked the Financial side if they showed the deferment they said no, it was not processed and the corporate advocacy person had made a mistake. She took it to get approval on it and it was finally put through. My credit was dinked as a result and I need it removed as I have perfect credit in buying cars with paying within the 30 days allowed. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (UT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian is reporting the debt to XXXX XXXX # XXXX .... on my credit file. I have disputed this debt multiple times and Experian refuses to delete this incorrect reporting. the account is paid and closed. the date of XXXX delinquency XXXX LATE ) was more than 7 years ago. This account should now be deleted from my credit file. Experian REFUSES to let me dispute this account and I feel this is improper practices and against my rights!

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 11-10-2016 about Mortgage (Other mortgage) with Phelan Hallinan & Diamond, PC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: This complaint is related to Case # XXXX which is not resolved. Disputed response from company but was advised to resubmit complaint. Company did not respond to XXXX out of XXXX requests : Req # 2 - Loan Accounting and Third Party Servicing Systems Information Req # 3 - Existing Admissions See accompanying attachment : " CPFB Dispute to XXXX response XX/XX/2016 " for details.

Company response to consumer: Closed
Consumer complaint received 04/14/2016 about Bank account or service (Checking account) with KEYCORP (NY).
Issue: Account opening, closing, or management

Complaint: It 's been more than 90 days since I have completed the requirement for the {$300.00} checking account sign up bonus yet it has not posted yet. The original offer was Open a qualifying KeyBank checking account with the promotional code XXXX and receive a direct deposit of at least {$500.00} or more within 60 days of account opening and receive a sign up bonus of {$300.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/25/2016 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Privacy

Complaint: Without my authorization Chase began sending unsolicited e-mails to the address in this complaint on XXXX/XXXX/XXXX ( " Chase_Unsolicited_E-mail_XX/XX/XXXX " attached ). 
I called Chase on XXXX/XXXX/XXXX and spoke to " XXXX '' at approximately XXXX CST. I stated that I Received an e-mail, re : Chase Freedom Rewards on XXXX/XXXX/XXXX, Had NOT had an online account with Chase in 6-7 years, Did NOT turn on any e-mail notifications. 
I WAS TRANSFERRED TO THE " PRIVACY DEPARTMENT '' WHERE AN UNNAMED PERSON VERIFIED THE E-MAIL ADDRESS WHICH WAS BEING VIOLATED, AND SAID THAT THESE E-MAILS WOULD STOP. 
Since then I have received unsolicited e-mails from Chase on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ( " Chase_Unsolicited_Emails_XX/XX/XXXX_through_XX/XX/XXXX " attached ). I decided to wait after receiving the e-mail on XXXX/XXXX/XXXX to see if there was a delay in implementing the removal of my e-mail address even though it was promised over 2 weeks earlier ( XXXX/XXXX/XXXX ) and these days it should not take that long to update a database!

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Debt collection (Credit card) with Credit Card Receivables Fund Incorporated (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I ordered a PC from XXXX. The PC was severely damaged. It also came with a window on the side to see the inside of the PC. This had a gouge across the window so that was ruined too. 
PCs are considered to be fragile so I did not want to use it. I asked that it be sent back. They sent me an RMA document to ship the PC back. 
I shipped it back and my balance was set back to {$0.00}. Because I had the PC for more than 1 month XXXX wanted their monthly payment, which I had never missed in the year I was with them. 
I did not see why I would have to pay monthly payments for a damaged and returned item. I tried discussing this with a manager but she was very rude and unhelpful. This was before they received the PC. She threatened to send it back even though I had already received the RMA approval from XXXX. 

They eventually sent me to collections and their collection cronies have hit my credit multiple times with similar but unique company names. Unifund CCR LLC and Unifund LLC. I demand that both of these be removed from my credit and the account deleted as I do not owe XXXX money. 

I am considering legal action against them ( both companies ) and XXXX regarding this issue as this is causing me to be denied credit for a home. I was high enough to purchase a home and now I am in the XXXX because of these negative hits. I am already consulting with attorneys. If these are not removed I will need to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I was a customer in  XXXX   XXXX  and during that time, I have enjoyed my experience with you greatly ; however, the account is closed and paid in full. It has been over 7 years since the account was open. According to the Fair Credit Reporting Act after 7 years from the first date of delinquencies  (   XXXX  ) this item must be removed and not reported on my credit report. Negative information that is more than  7 years old  ( 10 years for bankruptci es ) must be removed from your file. Therefore, I am asking for you to remove this items as a ASAP my credit  report.

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 01-05-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I spent most of last year building my credit in preparation for a home purchase. In XXXX or XXXX I called Transunion to find out why they had not mailed my score to me yet. They told me my score on the phone, reported it as XXXX ( I later received written notice that the score was XXXX ). I called the bank and told the mortgage counselor my score and they advised me to have my credit run for a mortgage. The bank ran my score and told me it was a XXXX. I asked them to remove the inquiry because I relied on false information given to me by Transunion. The bank refused. Transunion refused to help me in that request.

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 09/22/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Portfolio Recovery Associates continues to report inaccurate information on my credit report with XXXX, XXXX, and XXXX XXXX without sending in proper documentation as proof that the account is in fact my debt. This is a violation of section 609 and 611 of the Fair Credit Reporting Act. The credit Bureaus have failed to protect me as a consumer and do not follow the proper guidelines in place to verify debts on consumers credit files.

Company response to consumer: Closed with explanation