milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-02-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MS).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen had sent incorrect information to all the credit reporting agencies XX/XX/XXXX concerning my mortgage. They finally corrected the information. Ocwen stated in a response to complaint # XXXX filed with the CFPB that the XXXX major credit reporting agencies were notified, which included XXXX. By the time Ocwen got the information corrected, XXXX had deleted the entire account. Per a response from XXXX to complaint # XXXX, Ocwen has not verified the corrected info, therefore they will not show Ocwen as a creditor. The XX/XX/XXXX credit report I received from XXXX does not reflect my mortgage information. 
I have tried to get the corrected information on my mortgage added by XXXX. They stated that this information need verification from creditor. Ocwen states they have sent correct information, I have to contact the credit reporting agency. Nothing is been done by Ocwen XXXX, I, the consumer suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against? AD  ASTRA RECOVERY f or reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Bank account or service (Other bank product/service) with CITY NATIONAL BANK (CA).
Issue: Account opening, closing, or management

Complaint: I was shopping for a line of credit, and inquired with City National Bank in XXXX, Ca. When they related the terms, I took some time to compare their offer with products offered by other banks. They hounded me to try to close the sale, but I hesitated, because I was not convinced that the rate and terms were optimal. 
Eventually, they sent me a copy of a 'notice of adverse action ', which they forwarded to XXXX , citing insufficient income ; yet, they never declined the loan offering. It was only when I did not respond, that they took this apparent punitive action. I can produce phone records that prove I never called them after I discovered their product was not attractive ; but, they continued to call me and left voice mails trying to induce me to consummate the loan.

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 05-05-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (AL).
Issue: Fraud or scam

Complaint: I located a puppy on an internet site :   XXXX   XXXX   XXXX   and arranged to purchase the puppy named "  XXXX  ''. I was directed to use the Paypal service to pay for him, and did so. I then traveled from  XXXX , Alabama to  XXXX  to pick up the puppy. When I called and said I was at the designated location, I was told they would be there with the pup in  five  minutes. An hour later no one had shown up and repeated calls went unanswered. The will not answer calls from my number, but do answer calls from other numbers.

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 02/27/2018 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (IL).
Issue: Struggling to pay mortgage

Complaint: I have been in foreclosure for about 16 months, in which time I have tried diligently to get a modification, my current rate is very high and the bank has refuse to modification my loan because there equity in the property. they have time and time again ask me to refax document and I have already provided to them only to tell me after 14 months that the loan can not be modified because there is equity in the property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Problems caused by my funds being low

Complaint: I am a customer of city bank, I have been having problems with city bank since opening an account for my SSI benefits several things are wrong and tappered with including Bering XXXX at the XXXX branch and XXXX and XXXX branch. Not to mention being arrested for stealing my own identity. On two occasions I have had my wallet stole, just recently on XX/XX/XXXX, They have teamed up with my children 's farther, XXXX, XXXX, XXXX, XXXX, XXXX, and customers and residents in the neighbor hood, assisting in disriminating behaviour to XXXX me with the XXXX for a XXXX regained because I am XXXX aka XXXX, i have been opposed as far as services for my life library and prosperity since XX/XX/XXXX until this date of this report. In between time city bank as aked lol I am a fake person who is stealing some ones money out my accounts, and calls the police on me were they take to the XXXX like last night.City bank also has not fix the issues I called and compliant about. Account numbers and report reference numbers will be included in next section and pictures

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I received a call from Navient on XXXX saying my account was past due.I made a direct debit payment over the phone to them which brought my account current. I received a confirmation number and a copy of my bank receipt which evidences the payment. The representative told me the account was now current, next payment will be due in XXXX. Yet on XXXX they reported me to credit reporting agencies as delinquent. I called Navient and they lied to me saying they do n't report past due accounts until they reach past 90 days but I showed them that they reported me anyway at 60 days, even though i made the payment!! They told me they would look into it and could not explain the negative credit reporting DESPITE PAYMENT BEING MADE ONE WEEK PRIOR! When I asked them to remove it, they said only they would " look into it. '' I asked for the name of the person I was speaking to, they would not tell me, only an ID number. I asked them why this was done to me they could not explain. Because of this false reporting, my credit rating dropped 30 points. This company is so crooked!

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Account opening, closing, or management

Complaint: I opened an account with citizens bank in XX/XX/XXXX at XXXX pa there was an offered during that time if you open a checking account you will receive XXXXbucks after 6 weeks of having the account opened I kept calling and they kept pushing the dates back they gave me a letter saying I shall receive funds by XXXX XXXX and I called the branch and no one knows what happened to my offered and they told me directly over the phone with they know if issued me the offered,. This is complete false advertisement and fraud..

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/30/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Fidelity National Information Services, Inc. (FNIS) (OR).
Issue: Fraud or scam

Complaint: On XXXX XXXX XXXX XXXX XXXX received an email from XXXX XXXX with the email address of XXXXXXXXXXXX, which stated my application had been approved to complete surveys. I was asked to verify my information which I did. Continuing, the email then stated that the information would be used for payment to execute my assignment as well as my wages. 

I received a XXXX email from the same person as above which stated : XXXX assignment to start the next day, Note that a check will be sent to you by XXXX overnight to proceed with the task immediately. 

I received a check by XXXX on XXXX/XXXX/XXXX in the amount of {$1200.00} at which time I was to deposit in my bank XXXX XXXX Bank XXXX and withdraw funds of {$1000.00} and complete assignment. To complete assignment I was to wire the XXXX to the XXXX store in XXXX, Colorado payable to XXXX XXXX for pick up by her. Then to complete a survey after assignment was processed. 

On XXXX/XXXX/XXXX I received another XXXX containing another check in the amount of {$1200.00}, was to complete the assignment the same as before to the same location as above and to the same person XXXX XXXX at the XXXX, Colorado XXXX store. 

Within XXXX minutes my bank XXXX XXXX Bank XXXX contacted me, XXXX XXXX advised he believed this is a money laundering scam and advised me to cancel the transaction and redeposit the XXXX back into my account, which I did. 
I was also advised to file a police report with the La XXXX XXXX, which I did on XXXX/XXXX/XXXX case # XXXX. He made copies of all documents, check, bank info, receipts. 

On XXXX/XXXX/XXXX I received a message from XXXX XXXX asking why I had cancelled the XXXX transaction, I told her this was a scam and my bank advised to cancel the transaction and redeposit the money into my account. 

On XXXX/XXXX/XXXX received a message from XXXX XXXX XXXX additional email that XXXX more checks were coming and to follow directions for the assignments the same as before. Then received a message from XXXX XXXX to shred the checks when I received them. 

I have no way of attaching all documents to this report but will mail in if I can get an address to send them to.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Struggling to pay mortgage

Complaint: Our mortgage is held by Bank of America. We have an amortized loan so the payments are increasing. My wife is not working. I am having a hard time paying mortgage and all other utilities, insurances, food, etc. I was able to receive assistance from Keep Your  Home California, with a principle rate reduction, condition was we had to work with our m ortgage holder for a modification by a certain date . BofA has not been helpful at all. We are assigned a loan counselor to  " help '' us and all they worry about is when we are going to make the mortgage payment. Keep in mind we were n't behind at the time. It seemed as if anything I said, she never heard. Keep Yo ur Home California sent BofA our approval and told them also the stipulations of us receiving help. We rec eive a letter from  BofA a few weeks later saying that we ca n't get a modification from them and the principal reduction through Keep Your Home California. However that is n't correct, the modification is the rate reduction and Keep Your Home California will receive funds on our behalf to pay BofA. When I tried to send a complaint to BofA corporate it was routed to our original loan counselor who in turn contacted Keep Your Home California and told them they could n't get a hold of us, and for us to contact them immediately. We had been trying to get a hold of them the whole time. So now we have a new loan counselor who knows nothing and is only trying to get a payment instead of help us.    We have lived here 17 years, we do not want to lose our home. Please help.

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 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX These are all inquires that I did not give any consent to. 
Called XXXX and Equifax and they both told me I would have to call each creditor individually. When calling the creditors, they tell me to call the credit bureau. It is an never ending cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AllianceOne Recievables Management (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Today, XXXX, my bank called me to let me know that a levy was sent to garnish what money do I have in my checking account. at XXXX Bank. It appears that this debt is a scam involving employees of government agencies namely : XXXX XXXX XXXX and my former employer XXXX XXXX XXXX XXXX. My bank provided me a telephone number to call about the levy. I called the number and I talked to an employee of XXXX XXXX XXXX which refuses to identify himself. This employee gave me another telephone number to call about the levy. The phone number belongs to Alliance One and I talked to a XXXX XXXX who refused to identify what company they are if they are a collection agency or not. I was able to obtain some information about the levy and checked my record and whatever these people are collecting were fully paid on XX/XX/XXXX to XXXX XXXX XXXX for a traffic citation that I was not even aware of but I paid it anyway without any disputes about the traffic citations. I paid this questionable amount XXXX the total amount of {$520.00} to obtain renewal of my California Driver 's License. Now it appears that I continue to be scammed and a fake court order document was sent to my bank to zero out my checking account. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Credit reporting () with WELLS FARGO & COMPANY (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Unauthorized inquiry and/or unknown company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
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: X/XX/2017 X/XX/2017 I 've contacted all 3 credit agencies in regards to validating the U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The Bankruptcy Court mailed me a letter which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the U. S. Bankruptcy Courts confirmed XXXX, XXXX and Experian Credit Bureaus has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly.

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 02/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: convergent OUTSOURCING HAS REPORTED NEGATIVE INFORMATION ON MY CREDIT FILES CONCERNING A DEBT I DO NOT OWE TO XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Credit reporting () with Credit Karma, Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My personal information along with my addresses are not mine XXXX of those addresses are not me at all!!!!

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 explanation
Consumer complaint received 11-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with First National Collection Bureau, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My husband is in the military and I am a spouse that has followed my husband XXXX for the last 10 years. I have sent proof that this account is not mine since I was living XXXX during that period of time but they ignored the letter. This account although was not mine I still payed it because it was hurting my credit. I never received a notice just until XXXX of this past year and I went online and payed for the account. The person used my hotmail account to open this account. I have sent copies of documents and even an affidavit from the XXXX we are posted on and still there is no resolution. I do not know what else to do solve this problem since I still live XXXX with my spouse serving our country. This has been an ongoing issue since 2012.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Payday loan, title loan, or personal loan (Installment loan) with CURO Intermediate Holdings (NV).
Issue: Problem when making payments

Complaint: Rapid Cash aka XXXX XXXX refused to process scheduled payments. Associate told me that I am responsible for additional interest on afore mentioned payments. 
Large billboard advertises % 7 per month on title loans, with no mention of {$2500.00}. loan min. to secure this rate. I was not informed of this before I signed the loan. XX/XX/17.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XX/XX/XXXX I sent a certified letter to XXXX asking XXXX to correct information reported on my credit history. I attempted to resolve the issue with the credit reporting agencies, but they directed me to XXXX ( XXXX acquired the mortgage from XXXX ). 

On XX/XX/XXXX, I submitted a claim with cfpd due to the delay in responding to myXX/XX/XXXX inquiring. XXXX acknowledged receipt of the XX/XX/XXXX letter, but could not verify the account or information. XXXX 's response attempts to do two things - ( 1 ) debate the validity of my request without verifying information ( they can't find the record ) and ( 2 ) direct responsibility for the  misreported information to XXXX. 

XXXX acquired loans from XXXX and is listed on my credit report ( Attached ). I can't not accept shifting blame to XXXX. Also the Fair Credit Reporting ACT requires a creditor to verify any reported information within 30 days .... according to XXXX 's own letter ( attached ) they were unable to. I am considering legal action regarding their inability to adhere to the FRCA.

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 04-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am a victim of identity theft. My apartment was broken into and several ID documents stolen. I filed a police report and have attached a copy to this complaint. I found several inquiries that were a result of this identity theft. The inquiry below is a result of ID theft : XXXX XX/XX/2018 2018

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 02-02-2017 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (CO).
Issue: Managing the loan or lease

Complaint: I had an auto loan with GM Financial. I refinanced and it was paid off. It is showing as negative on my credit report, fine, but that was over 7 years ago. It has aged out and XXXX/XXXX/XXXX will not remove it from my credit report. They claim that they contacted GM Financial and its per FCRA regs.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Credit reporting () with EQUIFAX, INC. (AR).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I sent a letter and among other issues asked that inaccurate late pay information be removed from the payment history on a mortgage I had with XXXX # XXXX. They deleted the ENTIRE trade line instead!!

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Synchrony Bank sued us TWICE, using XXXX different debt collectors, XXXX in XXXX and XXXX in XXXX, to collect the same amount on the same alleged debt ( it had been paid several years before ). The first petition was filed in the XXXX Judicial District Court, XXXX XXXX, XXXX, via Suit # XXXX. They dropped that suit after we proved the debt had been paid. Six weeks later, another attorney filed suit on the SAME alleged debt in the same court under Suit # XXXX! Again, we fought and won. Still have n't received payment on court costs we paid. We also want to collect $ $ from them for wrongful suits.

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