milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-03-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Application, originator, mortgage broker

Complaint: My husband and I refinanced our mortgage in XX/XX/XXXX with a broker named XXXX XXXX XXXX of XXXX, FL. The Mortgage ( attached ) was dated XXXX XXXX, XXXX, was assigned by Assignment of Mortgage on the same date to Option One Mortgage Corporation. Both of these instruments are recorded in the Public Records of XXXX County, FL. We built this home in XXXX on land we owned free and clear, and moved in XXXX of XXXX. We learned through a succession of loan services for our mortgage ( Option One, American Home Mortgage, Homeward Residential, and now currently Ocwen Home Mortgage ) that our mortgage refinance from XX/XX/XXXX was placed in a mortgaged-back trust. We have a HAMP modification and are not in default, nor have we ever been in default or had foreclosure proceedings brought against us. My husband and I are planning to pass our home to our daughter when we pass away, and based on information we have learned from the mortgage crisis, our title is probably clouded. We want to know who owns our mortgage ; what entity will issue the Satisfaction of Mortgage when we pay it off? Clearly, many homeowners had to deal with fraudulent assignments " after the fact '' because the trusts had to show ownership for them to foreclose. Since Option One went out of business shortly after our mortgage was executed ( and the successor company no longer dealt in mortgages ) ... but our mortgage trail has no assignment ( s ) to the real estate security trust ... and creating assignments at this point to recreate that train of title would be fraudulent ( because the pooling and service agreement for the trust stated that the assignment to the trust had to be accomplished years ago before the trust closed ) ... how in the world is legal title going to be accomplished when the mortgage is satisfied and we own the house? We need to know what to do to establish clear title and guard ourselves against Ocwen Home Mortgage ( a known violator of fraudulent assignments and " robosigning '' ) from creating any fake documents.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Debt collection (Other debt) with The Affiliated Group, Inc (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have a unverified account from The Affiliated Group. I had previously disputed this account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I request that The Affiliated Group Cease and Desist all further communications.The Affiliated Group needs to delete this account from my credit report and stop all contact with me.Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also have the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST.

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 06/13/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: A mortgage lender erroneously reported late payments on XXXX account for over 16 months. Once the issue was resolved and I received the mortgage lender letter stating they were at fault and were going to take steps to rectify the misreporting, I contacted the credit reporting companies to verify it was resolved, and XXXX of them still had incorrect information. I began separate disputes with XXXX credit reporting agencies, XXXX of hem being Experian. The first dispute with Experian was opened on XXXX XXXX, 2016 and I received a completion notification on XXXX XXXX, 2016. The credit report still contained the same errors, so I called Experian to ask what additional information I could provide to rectify this. Experian call center staff said no additional information was needed, and they were just going to open a second dispute to correct my credit report. A second dispute was opened on XXXX XXXX, 2016 and completed on XXXX XXXX, 2016. The late payments still show on my credit report after the second dispute was finalized.

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 06-08-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: My husband was a  XXXX  vet and we have been married 20 years. He refinanced the home and assured me that if he died I 'd have no problems with it because my name is on the deed. When I sent  Ocwen loa n servicing the death certificate and a legal inheradence paper they still would not put my name on the title. I have never been late and my name is on the taxes for the home but they send the bill reading the estate of  XXXX   XXXX . I told them to put my name on it now. I have a paper with a notary signature of inheradence. That they asked for and I sent it to them. What should I do. I 'm a widow and I ca n't afford lawyers to help me. I just want to make sure the home is done right so I can make out my will. I am currently on payments and lived here for 20 years

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 08/17/2016 about Credit card () with WELLS FARGO & COMPANY (GA).
Issue: Balance transfer

Complaint: A balance transfer was made from my Wells Fargo Visa card account to my XXXX XXXX XXXX XXXX account on XXXX XXXX, 2016 in response to a Wells Fargo Promotional Balance offer solicited by mail to me ; the transfer was for {$10000.00} with a 4 % balance transfer fee, and I would enjoy a 2.9 % APR for 12 months. 
In response to questions I made, it was stipulated that " payments above your Minimum Payment Due will be applied to your highest rate balance first ''. 
My complaint is that payments I have been making, all above the Minimum Payment Due, have been paying down the Promotional balance with a 2.9 % APR, which is now reduced to {$7000.00} from the original {$10000.00}, while my Purchases Balance remains at about {$2500.00}, with a 17.1 % APR. 
This practice is a case of a fraudulent and mis-leading promotion which is contrary to common sense for a consumer taking out such a transfer with a 4 % fee, and not enjoying the promotional APR of 2.9 % for the full term on the balance transfer amount.

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 09/23/2016 about Debt collection (Auto) with ALLY FINANCIAL INC. (CT).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I asked Ally Financial to cease all phone calls through a written letter I faxed. I also sent a second letter after they called my home again at least two times a day. I even told a representative over the phone I wrote the letter and she said it did n't make a difference. They gave me 30 days notice by mail ( dated XXXX XXXX ) to make a payment arrangement and repossessed my car ( XXXX XXXX ) anyway without giving me the 30 days. I explained to them in the letters I attached I started a new job and would n't get paid until XXXX XXXX. Ally does n't follow laws or promises to consumers.

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 Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Experian is reporting a bankruptcy on my credit report with the incorrect docket number that they have failed to verify. I sent a letter informing them to verify the bankruptcy not just stating that its " verified ''. I also enclosed a letter where the bankruptcy court stated they do not verify bankruptcies with the credit bureau. Experian violated my rights as a consumer.

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 09-11-2017 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 social media.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Debt collection (Other debt) with The CBE Group, Inc. (MS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This debt is not mine, I never lived in the state or the address that the account was opened. The debt is for {$400.00} and I have contacted the CBE GROUP and has not received a response to my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Debt collection (Other debt) with CL HOLDINGS LLC (AR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This account was fraudulently used in my name. I contacted XXXX XXXX multiple times to inform them I was not responsible for the charges but they never removed the false charges and late fees kept rising. The account was then showing closed through the credit bureau and discharged but now is showing to be reopened. I am not responsible for these charges Since I did not create them. The account was closed on XXXX XXXX XXXX. It is now showing re opened on XXXX XXXX XXXX. The amount is {$1800.00}. The debt collector is XXXX. The original creditor is XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I recently settled the amount that XXXX XXXX XXXX accumulated over a late fee charge, interests over several months and annual fee for a credit card that was linked to my checking account that I closed ( to use for online payment and billing statement access ). In XXXX XXXX, my last online payment was {$380.00}, paid in full as I closed my checking account, I had no access to the online statement and closed this credit card. Apparently in XXXX XXXX, balance was {$29.00} including {$1.00} fees charged. I did not receive any notification of my balance owed. In XXXX XXXX, fees were charged, balance became {$31.00}. The fee charges continued for several months without my knowledge. No phone call or mail to notify me that I still owe them on this credit card. During this time, there were no activities or purchases on the credit card. The XXXX statement showed an annual fee of {$50.00}. By XXXX XXXX, the total amount, balance was {$90.00}. They indicated 'charge-off adjustment '. I did not learn about these charges and amount owed until XXXX when a serious delinquency was reported to the credit bureaus and this caused derogatory information in my credit score. I contacted the creditor in XXXX XXXX to work on a settlement. I asked for hard copies of the billing statements because I had forgotten about this account from XXXX. 

I called and asked one of the Supervisors to waive the fees charged over the months as they failed to notify me, I did not have access to the billing statements online. There was no way for me to know I owed them any balance since I closed the account. The creditor refused my offer and demanded that I pay the full balance. 

As I was applying for credit on a big purchase this year, this came back to haunt me. The serious delinquency report lowered my credit score. I called, lost the battle and paid the balance of {$90.00} on XXXX XXXX, XXXX. The representative assured me that I will get a letter in 10 business days to confirm that this has been settled and that derogatory item will be removed from my credit history. Three weeks had passed and I have not received the letter. I disputed with the Credit Bureaus but uncertain on what actions have been taken on their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Checking or savings account (Other banking product or service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I am a beneficiary to an IRA account held at Merrill Lynch wealth management. XXXX XXXX, 2017, I completed all paperwork to have my portion of the Merrill Lynch IRA distributed from Merrill Lynch to my XXXX XXXX IRA account. As of XXXX XXXX, 2017 my portion of beneficiary money has not been deposited into my XXXX account.

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 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NM).
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: A fraudulent loan showed up on my credit report from XXXX XXXX. I contacted XXXX XXXX and they sent me a packet to complete and send back. I sent the packet by certified mail on XX/XX/XXXX and XXXX XXXX did not pick it up so I sent the packet again by both certified mail and priority mail on XX/XX/XXXX. XXXX XXXX signed for the first certified package on XX/XX/XXXX and the second Package on XX/XX/XXXX.  The tracking numbers are XXXX and XXXX. I also disputed the account with Experian. Experian notified me they had investigated and found that I had not contacted the company and they were n't going to remove it. I have attached the letter from XXXX XXXX dated XX/XX/XXXX and all the tracking documents. I called XXXX XXXX on XX/XX/XXXX and XXXX told me they had not received any of the packets I sent even though they signed for them.

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 05/17/2015 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My name is XXXX XXXX XXXX and my husband is XXXX XXXX XXXX. I viewed my husband and my credit report and noticed that our mortgage was reported being paid late for XXXX 2014. I spoke with our mortgage company and I verified online that our payments posted on XXXX/XXXX/2014. XXXX did not have a record of our payment being late for 2014. I have documents to support this information and have attached them to this dispute. I also noticed that my date of birth was incorrect on the report. It is listing my husbands date of birth as mine. I would like to have this information reviewed and corrected on our reports. Please contact me at XXXX or via email at XXXXXXXXXXXX. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Credit card () with IMC Capital, LLC (NY).
Issue: Unsolicited issuance of credit card

Complaint: I received an unsolicited business credit card for from XXXX, a company that I do not know, never did business with, nor requested information from. I never contacted this company nor solicited any credit card / loan, but they send me a credit card ( loan ) for {$500000.00} - Which is absurd. I would like to request for this company to stop calling me and stop mailing us this kind of unsolicited offers, because I do not want any of it. Today I called the company at number : XXXX to request to be removed from their list and make sure they stop sending this offers and the employee said that is not possible and said someone from my company requested this. This explanation is impossible because my company has no employees, only volunteers. PS : all of our volunteers have no access to any financial information either.

Company response to consumer: Untimely response
Consumer complaint received 02/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GENERAL MOTORS FINANCIAL COMPANY, INC. (CA).
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 began writing letters to the credit bureaus and specific creditors reflected on my credit report beginning in XXXX of 2017. I believed items on my credit report reported inaccurately an not in compliance with the FCRA and FDCPA. The accounts in question are XXXX XXXX XXXX, XXXX XXXX XXXX and GM Financal.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Debt collection (Other debt) with Diversified Adjustment Service, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: NO dates given. Ant {$760.00}. I called XXXX they never did anything. I contacted my credit agencies and theres nothing on my credit report yet this collection agency is charging me this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Blitt and Gaines, P.C. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: BLITT and GAINES, P.C, in XXXX Illinois is trying to collect on a debt that was under XXXX XXXX XXXX or XXXX XXXX XXXX XXXX This debtor was notified that I had filed for bankruptcy by my attorney I have tried to contact BLITT and GAINES but always get disconnected and have now been served with a summons They are trying to sue for a debt that has been discharged by BANKRUPTCY XXXX XXXX XXXX was informed of my bankruptcy by my attorney and / or representative

Company response to consumer: Closed
Consumer complaint received 05-01-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (DE).
Issue: Delinquent account

Complaint: Information that is XXXX years old is still on my credit report. I have filed a dispute with the XXXX, but the information is still there.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I dispute this account with XXXX XXXX XXXX and was informed by this company that they are not servicing this account and have removed it from my XXXX credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/15/2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (MO).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: We have a loan with Wells Fargo Dealer Services for a used car. They have reported to the three credit bureaus that we have made six payments that were over 30 days past due. The credits reports show we were over 30 days late XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX This is not true at all, as we have never been OVER 30 days past due on making a payment. I have called Wells Fargo Dealer Services and spoke with them about this reporting issue. I was told that they would fix this reporting issue, and get our reports changed to show that we had not made any payments over 30 days late. This has never happened. We also disputed this in writing with no change. This is causing us to have serious credit problems, and keeping us from buying a home. If this does not get resolved we will contact a lawyer.

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 12-02-2016 about Credit card () with JPMORGAN CHASE & CO. (MA).
Issue: Late fee

Complaint: Chase card fraudulent late fees : In XX/XX/XXXX chase charged my account {$150.00} and XX/XX/XXXX so far {$270.00} late fees All payments were made on the due date after XXXX pm. Chase phone payments ( automated payment system XXXX rolled the payments over to the next day then charged late fees. 
The bank was making more in late fees than interest which were respectively {$140.00} and so far XXXX for XX/XX/XXXX. 
When I call, they say it 's automatic they can not undo it although its wrong

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (VA).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: PNC bank changed the terms required to eliminate fees in their checking account. They did this with a one month notice and only notified with a small section in the monthly statement. I rarely use the account and do n't typically look at the statements as I monitor transactions on a more frequent basis on the website. Hence, I was unaware of the change. I was charged a monthly service fee since I was unaware of the change. Although I called to understand the change in terms and was refunded the fee, it 's still poor performance by PNC to change the terms in such a discrete manner.

Company response to consumer: Closed with explanation