milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-02-2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (KY).
Issue: Settlement process and costs

Complaint: XXXX-ORIGINAL LOAN - XXXX XXXX XXXX Applied for a loan modification with XXXX XXXX XXXX XXXX XXXX transferred our loan to Ocwen Loan Servicing a . We received notice we were approved and the terms were to be 30 yrs for {$190000.00} @ 2 % for the life of the loan XXXX XXXX a. Ocwen changed the terms of the loan b. added XXXX to our loan, ( we were told this was an amount XXXX XXXX had sent over of payments that had not been made/ we then sent proof showing payments had been made and also our tax statements showing mortgage interest collected from XXXX ) c. raised interest rates after 5 yrs t 4.5 % d. added a balloon amount to end of loan e. robo signed or forged a signature on loan f. Has not responded in a timely manner to discuss the changes g. Has provided incomplete payment history reports h. Has refused to approve a new modification because our loan is current i. Has not considered the hardship of one half our income now going to a mortgage payment We have been trying unsuccessfully for five years to correct this error Only recently discovered this is common practice with this company and there is a complaint filed against them for these practices and an agreed order. They refuse to discuss the complaint and pass the information around from many representatives. In the past two months we have had XXXX persons assigned as our assistants to help. We have now been placed in the Escalation dept and are told our next step is the Ombudsman dept which is he highest level. We have been working with the Bankruptcy Dept, Research Dept and various other depts. Here is the link for the consent order XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Debt collection (Other debt) with Adler Wallach & Associates, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXX, I mailed XXXX a dispute letter for each of the negative accounts included on my credit report. The letter stated : This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you  are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. The accounts included in the letters were : XXXX XXXX XXXX XXXX, XXXX XXXX AWA COLLECTIONSXXXX AWA COLLECTIONS-XXXX XXXX XXXX XXXX XXXX They deleted the XXXX  XXXX XXXX and XXXX off my credit and sent an updated report. However, XXXX XXXX XXXX and XXXX, XXXX came back updated and said met FCRA requirements. They did not send me any documents in my file at all. I do not have any signed contracts with any of these companies. XXXX and XXXX has deleted all of these items off of my report already. XXXX, however, is breaking the law. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Debt collection (Federal student loan debt) with Williams & Fudge, Inc (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: XXXX XXXX with Williams & Fudge contact my Employer posing as a customer needing assistance and being unable to reach me. The Representative referred this matter to my Manager and asked my Manager to  contact XXXX XXXX immediately. 

XXXX XXXX is in fact attempting to speak with my daughter regarding an outstanding student loan and used Social Engineering tactics to falsely gain confidential information.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: This is a illegal bill this bill is not owed do to findings of the court and they didnt notify me until a year after they put a debt on my credit that is not verfyied as true and correct the court didnt give them premission to collect on this debt after the proceedings and this is effecting me by not able to get a loan i want this company to remove this debt from my report and stop contacting me i will sue this company if they continue to collect a debt that isnt correct i have proof this is no longer a debt that is owed from me this isnt my debt and it needs to be removed from all my credit reports

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 07/23/2016 about Student loan (Federal student loan servicing) with FINANCIAL ASSET MANAGEMENT SYSTEMS INC (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: i have been XXXX the last four years and the loans went into default. A collection company has taken over. I want to start repaying the loans but they are pressuring me into signing a program that i do not understand. they are charging me {$3000.00} in interest and a {$2000.00} fee for themselves.

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 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: On XXXX/XXXX/17 sent in a request to VALIDATE AND remove bankruptcy and tax lien from public record on XXXX and TransUnion credit reports. Both credit bureaus confirmed that they verified information ; which is impossible due to the fact the County Recorder of Deeds, and U. S. Bankruptcy Court does 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. 
I have requested a VALIDATION NOT VERIFICATION. The XXXX system, the system they use ... ..is not in compliance with FCRA and therefore, I that my consumer rights are being violated. 

In my letter to both XXXX and TransUnion, I requested copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. When I spoke to a representative named XXXX, she confirmed that no documentation has been received and that they do not verify that information ; which is what I was originally told was done. 

Please see attached letters to both credit bureaus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Debt collection (Payday loan) with Midwest Recovery Systems (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Midwest Recovery has put a collection on my credit reports for a debt that I do not owe. I paid the loan off many years ago. Midwest Recovery called me XXXX time and I requested they send me proof of the debt, I did not hear any thing else. So now they have put a collection on all XXXX of my credit reports for {$2300.00} I did not even borrow close to that amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Adjusters, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: NCA WENT ON MY CREDIT REPORT WITHOUT VALIDATION IN VIOLATION OF FCRA. SOLD DEBT TO XXXX WITHOUT VALIDATION AND ENDED UP ON MY CREDIT REPORTS IN VIOLATION OF FDCPA, FCRA, AND TCPA. XXXX CALLS TO MY WORK ETC SEE ATTACHED PHONE AND OTHER RECORDS.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I called on the XXXX XXXX XXXX 2017 to request a payment deferment. It was granted. I specifically stated multiple times that I did not want the deferment to negatively effect my credit with them reporting a 30 day late. The representative assured me 3 times that it was an approved deferement and by paying a {$250.00} fee. My payment would be caught up and I would have no payment due until XXXX 2017. Which would represent my normal monthly payment. I have paid my loan on time every month an was my first payment deferment request. At any rate 3 days later and Ally bank reported erroneously a 30 day late to my credit report dropping my credit score XXXX points.

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 01-08-2016 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (RI).
Issue: Loan servicing, payments, escrow account

Complaint: Follow up to previous issue. 
Today I tried to make 5 payments + late charges by phone. This is before the XX/XX/XXXX deadline that was outlined in the servicer response to me and the CFPB drafted by XXXX XXXX. Despite 3 attempts to make this payment by phone, no agent would accept it. Further, each agent told me they could not see the letter I am referencing. ( This letter is the response attached to my previous complaint ). 
When I requested a supervisor, I was refused. I requested a call back, which the agent indicated they would send an email to their supervisor but could n't guarantee a call back. I asked if the agent could email XXXX XXXX - the respondent on my previous complaint - and was refused this as well. 
I am immensely frustrated at this point - the servicer is not following their own guideance and making it extremely difficult to simply make a payment. I have initiated a payment from my financial institution in the amount of {$5500.00} to cover the full arrears plus the next payment due.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2016 about Credit card () with CITIBANK, N.A. (IN).
Issue: Billing disputes

Complaint: # XXXX We have a 0 interest card with Citi. I made XXXX payments in XXXX after the XXXX intended to be paid towards XXXX XXXX due date. {$100.00} cleared XXXX XXXX ( the due date is the XXXX monthly ). Citi applied that {$100.00} to XXXX rather than XXXX so I got a notice I had n't made a payment on time. The second check for {$45.00} was correctly applied to payment due XXXX XXXX. It cleared XXXX XXXX. Because the {$100.00} was applied incorrectly my XXXX XXXX payment was short. I talked to XXXX people in customer service and sorry, they could n't back the {$100.00} out and reapply to amount due XXXX XXXX. We are self employed and credit is very important buying real estate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Mortgage (Other mortgage) with Sortis Financial, Inc. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Clear Spring Servicer my loan for XXXX XXXX at closing the balance due XXXX approximate and escrow amount XXXX approximate ( see attached ) Clear Spring online services allow you to see what is owe, escrow, tax and ( See Attached Payoff ) etc, The The approximate payoff would be XXXX returning the escrow money. XXXX XXXX said that the online services balance owe is a approximate. They changed pay off to XXXX approximate to pay XXXX XXXX XXXX me the borrower XXXX and there is no check in the mail. XXXX is the new lender so they paid the XXXX but the `` COUNTY '' still have XXXX XXXX as a lien on my property ( complaint will be made today on XXXX XXXX ) XXXX said that 's an issue to be resolved by Clear Spring ( case number complaint for XXXX XXXX ). I request XXXX to changed of Loan Servicer but was denied! Now my new lender to payoff XXXX request payoff and again Clear Spring changed the payoff from XXXX to XXXX, XXXX has a interest only loan but still waiting for signed closing documents and penalty for early payoff. Clear Spring charged owe interest and XXXX wo n't response to it correctness. Clear Spring owe me extra XXXX ) at closing totaling XXXX. And a paid account with XXXX XXXX still showing lien on my property. New lender Title company is trying to resolve the issue but XXXX XXXX and XXXX wo n't help or resolve the issue they both demand us to contact CLEAR SPRING.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Was checking  my credit report found an account of a credit card that i never owned showing in the negative on my credit report. The credit reports show the card was issued by XXXX XXXX XXXX (XXXX  XXXX XXXX #XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
(XXXX) XXXX
Date Opened: XX/XX/XXXX
Responsibility: Individual Account
Account Type: Revolving Account
Loan Type: CREDIT CARD
Balance: $XXXX
Date Updated: XX/XX/XXXX
Payment Received: $XXXX
High Balance: $XXXX 
Credit Limit: $XXXX
Pay Status: Current; Paid or Paying as
Agreed
Date Closed: XX/XX/XXXX
Delinquency of 30 days in XX/XX/XXXX and in
XX/XX/XXXX< I called XXXX XXXX XXXX because i have no knowledge of this account nor the negative report on my credit. I called the XXXX XXXX XXXX credit card company  was told by the credit card dept that they do not have anything in their records showing that i ever had a credit card with them and there was nothing they could do ( spoke with representative XXXX from the Arkansas XXXX XXXX XXXX credit card department) I need this problem and error fixed and my credit report corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Statements : Ending period  XXXX / XXXX /   17  ; Balance {$31.00} Ending period  XXXX / XXXX / 17  ; Balance {$160.00} Fees charged {$120.00} Ending period  XXXX / XXXX / 17  ; Balance {$1600.00} Fees charged {$40.00} Ending period  XXXX / XXXX / 17  ; Balance {$1700.00} Fees charged {$59.00} Ending period  XXXX / XXXX / 17  ; Balance {$1700.00} Fees charged {$56.00}.      XXXX / XXXX /   17  was the first time, I received a letter advising me that my account was past due. Prior to the  XXXX / XXXX / 17  letter, I never received any hard copy or email statements or telephone calls  from Citi regard ing my past due account, but yet fees continued to accrue.     On  XXXX / XXXX / 17  I made a $  XXXX  payment to  Citi via th eir website.     Since  XXXX / XXXX / 17 , I have been calling  Citi Custom er Service to dispute all of the Fees Charged to my account, a total of {$270.00}. All of my attempts have been unsuccessful because the account is closed and no one can assist me.

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 11/14/2015 about Credit card () with CITIBANK, N.A. (FL).
Issue: Billing statement

Complaint: I have a Macy 's Credit Card, we recently purchased a mattress and chose the 12 month " no interest '' plan. The problem is that there is no option on the bill or on line payment, to pay the minimum balance due and allocate payment towards paying down the " special events '' balance. I have spoken to credit many times and they stated that the payment could be made if I talk to credit each time I make a payment and tell them how I wanted the payment allocated. Now it 's been 3 months in a row that I have done this and so far it has not happened, every payment has only paid down the revolving balance. No matter what I do they always take the total amount I send and only reduce my regular account and never put anything towards " special events '' balance. When the 12 months are up they are going to hit me with all the deferred interest. Never was I ever informed that in order for me to take advantage of the " 12 months no interest '' did I have to pay my revolving down to zero before my payments would be paying down my " special events '' balance. I spoke to the salesperson in the store and she had no idea that this situation existed. I think this is situation needs immediate attention and Macy 's should be held responsible for deceptive practices in credit offers. 
I have also encountered the fact that I can not enter my Macy 's account online. When I try to enter they say the information is invalid. They ask for name on card, birth date and last XXXX of SS #, an d when entered they say information does not match, this is indisputable information. Now I can even enter the Macy 's website to pay my bill. 
The credit department has been contacted and nothing has been accomplished except for the hours I 've spent on hold and talking to the XXXX. 
Please research this situation for bad credit practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (GA).
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: Your negligence has caused me harm, since it has affected my ability to obtain new credit. Since you have not provided me with any documentation, I am under the impression that you can not verify these accounts. Therefore you must comply with the provision 15USC section 168i ( a ) of the FCRA and remove the disputed items form my credit reports immediately. If I do not receive a revised credit report, with the items removed at my current address, I will pursue my legal rights with an attorney under 15 USC section 1681n or 1681o " Civil liability for willful noncompliance ''. Your company may be liable for : actual damage I sustained by your failure to delete items, punitive damages as the court allows, and cost of the court action plus attorney 's fees. Since XXXX of 2016, I have been sending certified letters regarding capital one via the credit bureaus asking for validation and verification of several accounts that were listed on my credit report. I asked for copies of the applications with my signature proving these were my accounts. I always received a letter from capital one asking for clarity of my dispute, I could n't be any clearer, I want proof these are my accounts. If you can not provide a signed contract/agreement between myself and Capital One, then you must delete the accounts from my credit report. This is what I stated in my letters : Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) (  A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. The credit bureau continues to send updates stating the accounts are " verified '' and have neglected to provide any documentation and are in constant violation of the FCRA.

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 CORELOGIC INC (OK).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: CREDCO, XXXX XXXX, CA XXXX ( XXXX ) XXXX. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Credco made inquiries on my credit report and my wife 's credit report without our knowledge or consent on the above dates. They did have our consent for an inquiry on XX/XX/XXXX but that was the only time. Myself and my wife did not give them permission to make an inquiry on our credit reports after XX/XX/XXXX which was for a loan for a travel trailer from XXXX XXXX in XXXX XXXX. These unauthorized inquiries have hurt our credit scores. Inquiries from XX/XX/XXXX and XX/XX/XXXX show telephone number ( XXXX ) XXXX. Inquiries from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX have telephone number of ( XXXX ) XXXX. Please help in any way you can to get these inquiries off of our credit reports as soon as possible.

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