milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-01-2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Settlement process and costs

Complaint: I am in the process of refinancing a commerical loan. The loan was with XXXX but somw how its being serviced by OCWEN a collection agency. I am NOT in collections nor have I ever missed a payment. The issue is on XX/XX/XXXX my closing company and myself placed a call to OCWEN for a payoff, In doing so the OCWEN customer service agent gave us the date XX/XX/XXXX that we would have the final payoff. On XX/XX/XXXX we again placed another call to OCWEN and we where told the paperwork and payoff would not be ready until the XX/XX/XXXX. On the XXXX I started calling again because we still did not have a payoff figure or any paperwork to make the payoff. About XXXX XXXX called me back stating she just got involved and how could she help. I explained to her the above and she informed me that my relationship magager was not in and they had to pull my loan agreement from XXXX. But she would be able to send me the payoff figure. Again she called me back at XXXX and told me that I had to make the payoff today XX/XX/XXXX or according to my contract or I would owe a full months interest, this being about {$2800.00}. When I stated that could never could happen she advised to my closing company to just back date the paper work and close on XX/XX/XXXX. The closing agent said she would never do that and the new leanding Bank would never agree to this type of fraud. My closing agent asked if XXXX could run this up to a higher manager to ask if something could be would out, she finally agreed. At this point it was about XXXX XXXX and my Bank closed at XXXX XXXX so a closing could never happen. 
Well to make a long stroy short, I received a call aback from XXXX XXXX this morning XX/XX/XXXX stating that at XXXX XXXX this morning my pay off was faxed to my closing company with the additional {$2800.00} due. She would not do anything with it. I asked XXXX again about some kind of coursety write off since this payoff was promissed back on the XXXX of XXXX to be in my hands by the XX/XX/XXXX, then told on the XXXX no the payoff will not be ready unitl the XXXX and on the XXXX told it would take at least 24-48 hours more. I truely beleive OCWEN was putting the pay off for this time just to ake the extra {$2800.00} in interest. 
I feel that OCWEN works just like they say, a collection agency and will do everything in their power to get as much money as they can from their cliants. 
I do beleive this has happen to many others for the same stall tactics they gave me. 
Please help me to stop OCWEN from doing this to others and help get my over payment of interest back. 
ThanksXXXX XXXX XXXX XXXXLoan Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: UNABLE TO CONTACT EXPERIAN THERE NO PHONE NUMBERAFTER VIEWING MY REPORT I HAVE SOME QUESTIONS I WANT ANSWEREDIF THEY CAN PUT IT IN MY REPORT THEY NEED TO BACK IT UP, IF THEY CAI N'T THEY ARE HURTING MY CREDIT

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Payday loan () with Big Picture Loans, LLC (FL).
Issue: Charged fees or interest I didn't expect

Complaint: I borrowed {$800.00}. I was not been informed of the 800 % interest rate on the loan. I was told there would be a {$280.00} finance charge/fee, not {$6800.00} in total payments. I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account. Since, they have withdrawn over {$1400.00} from my account and the amount is scheduled to increase.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: While reviewing my Experian credit report, I noticed that EXPERIAN has placed an ALERT/NOTICES OF RISK stating that XXXX XXXX XXXX, XXXX, NY XXXX, as pertained to business and XXXX XXXX XXXX, XXXX, XXXX XXXX, as well. This adverse information is inaccurate and to permanently removed. 
I noticed that an unauthorized inquiries was initiated by XXXX on XXXX/XXXX/2015 ; XXXX XXXX on XXXX/XXXX/2015 ; XXXX XXXX on XXXX/XXXX/2015 ; and XXXX on XXXX/XXXX/2015, by employees of this companies without my written consent in serious violation of my Privacy Right Act and FCRA. I have requested that any evidence be sent to me within 5 business days to support my consent of the inquiries.However, my request has been deliberately ignored by these companies and EXPERIAN has failed to properly investigate the matter as required under the law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Debt collection (I do not know) with TekCollect Inc. (MO).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: After looking over a copy of my credit report I noticed that this company was reporting an unknown collections on my report that I was unaware of. I then filed a dispute with the credit bureaus and I also send TEK Collect a letter requesting that they remove the unverified account in which I send certified letters with tracking receipts. Per CRSA enacted, CDIA Implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also XXXX XXXX Compliant.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Mortgage (Conventional home mortgage) with Selene Finance LP (CA).
Issue: Struggling to pay mortgage

Complaint: XXXX XXXX approved of a mod modiciation but sold my loan to XXXX XXXX before the first payment of my trial period. A key debt forgiveness provision in the XXXX trial letter was unethically excluded from the final loan modification agreement, drafted by XXXX involving an incentive for over {$330000.00} in debt forgivement over the first three years of the payment period. Under XXXX XXXX, I was also approved for a Keep Your Home California ( KYHC ) debt forgiveness pay out of {$100000.00}. XXXX XXXX initially verified receipt of {$100000.00}, and in mortgage statements showed that a portion of the {$100000.00} was appled to future mortgage payments. XXXX then told me that the {$100000.00} was returned to XXXX, such that payments were instantly in arrears. XXXX XXXX also intercepted a mortgage paymentinvolving three ( 3 ) money orders earmarked for a mortgage payment, forged all 3 money orders,  and used them for the personal use of a nationstar employee and/or its associates and never gave me credit for that specific payment. I filed a police report with the Sheriff of XXXX XXXX County, in Califfornia where I reside and the case was transfered to XXXX Texas, where XXXX  headqquateres is located. XXXX XXXX sold my loan to Selene Finance who says the {$100000.00} KYHC funds were transfered to them but have denied my request for a loan mod. The XXXX XXXX told be there was NO {$100000.00} funds from KYHC but agreed to obtain a loan mod on my behalf, but have been 'stringing me along ' for over 6 months now, claiming my file is escalated, with a forclosure sell date pending of XX/X/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: On XXXX XXXX, 2016 I received a letter from Equifax dated XXXX XXXX, 2016. Equifax responded to my disputed inquiries that I made them aware of since XXXX 2016. Equifax stated to all my disputes " Inquiries are a factual record of file access ''. I requested Equifax to conduct a legitimate investigation and provide me a copy of the documentation that was used to verify that the inquiries were legitimate. Equifax has failed to comply with my request and have exceeded the XXXX required by the FCRA to conduct there investigation. The dereliction of duty by Equifax is having a negative effect on my credit worthiness and credit score causing me to have a great measure of distress. The following are the disputes I filed with Equifax : XXXX XXXX ( 2 TIMES ), XXXX, XXXX XXXX XXXX ( 3 TIMES ), XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX ( 2 TIMES ), XXXX XXXX XXXX XXXX ( 2 TIMES ), XXXX XXXX, XXXX XXXX XXXX XXXX, & XXXX XXXX. Please be advised that I have written and called these institution 's and they have informed me that they cant do anything for me and that I will have to contact Equifax. This proves that Equifax has not conducted an ethical and proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (MD).
Issue: Settlement process and costs

Complaint: In XXXX, I was contacted by Chase mortgage with regard to a third lien on my home that I knew nothing about. I had been separated for many years from what was my ex-wife for all purposes since XXXX and the short of this story is that she had been using our home as collateral on XXXX occasions ( XXXX refinances with current banks ) for a total of the XXXX liens totaling XXXX. In addition, she had also used XXXX on several transactions which as it turned out were credit cards in my name in which she was the authorized purchaser, all these bills she was at XXXX point paying. I paid the mortgages as they were for my house however, I thought I owed XXXX as I bought the house in XXXX and only took out XXXX loan for the siding in the XXXX. In any event, I found over XXXX on my credit report when my girlfriend explained what all this was, I was shocked. I hired an attorney. It is still on my credit report, although I have agreements with both Chase ( US District Court # XXXX ) and XXXX ( Case # XXXX-which was later negotiated and dropped ) as to the removal of the items from my credit report, this has not been done. So far this has cost me thousands of dollars. I can not refinance my house which still has XXXX home loans that I did not take out or sign for..but have been told I have to pay. Please someone help me with this credit situation. I have both Chase and XXXX documents as does my attorney. If this does not clear up I will file suit against them both for the long term damage to my credit report. 
I can not get a loan from anyone with a credit score of XXXX. This is due to fraud that you perpetuated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-01-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (OR).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have been trying t o work with FedLoan Servicing for over a year to get my payments credited toward Public Service Loan Forgiveness. I  have certified my employment multiple times and have asked for information  as to when my qualifying payments will be credited. Each time I am advised it will take another 30-90  days. I have been making qualifying payments on certified eligible employment since  XXXX   2015 . I am very concerned about how the new admin will ha ndle PSLF an d would like to see my payments credited appropriately.  <P/> I have called multiple times and emailed multiple times. Each time I have been assured that my payments qualify, but that it just takes time to be credited.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2015 about Debt collection (Medical) with Retail Merchants Association of Danville, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: There are XXXX medical collection that were paid from a judgement placed on my ex husband. Both have been paid off for few months. His credit report has them closed. Mine still has the same debts as open with full amounts owed. I contacted Piedmont credit collections that was listed beside the collection accounts. They acted like there was no information about it in their computers. I know they have handled it, because I contacted them and asked about how it would be handled when my ex got an email from his work about the garnishment. They had the information about it then. I even asked for any other info needed to pay off other items in my name and got the account numbers needed to pay those off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX posted a 60 days late XX/XX/2012 on my credit report. I have spoke with a representative by the name of XXXX XXXX and she stated to me that she will put in a request to have it removed due to an account error on their end. I told her that I don't have any knowledge of late payments and that I had automatic debt payment setup on my account. I informed her that there may be a processing error on my personal banking account or there transactional side. I can not remember the reason, but she said that she would correct it and send it to the credit bureau to have the 60 days deleted immediately. Please have them remove the late payments immediately.

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 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Stolen identity fraud account open in my name XXXX XXXX  XXXX also known as XXXX XXXX Opened XX/XX/17 Account number XXXX Amount XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-12-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NC).
Issue: Taking out the loan or lease

Complaint: I 'm paying a 29.9 interest rate on my vehicle. In other words, I 've paid XXXX towards it and the amount I owe has only gone down by XXXX. They refuse to give me documents on any of this since I 've looked into an attorney. This is in North Carolina where North Carolina interest rate laws set the maximum rate at 8 percent. My loan is through Santander consumer USA.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MD).
Issue: Account opening, closing, or management

Complaint: I opened a XXXX checking account based on an offer indicating that I would get XXXX thank you points ( apx XXXX dollar value ) upon meeting requirements. I met the requirements and confirmed XXXX separate times that I had the offer attached to my account and that I had met the requirements. 

After waiting nearly 4 months ( and paying fees ), I was told that I would not get the points because I was not targeted. This is ridiculous as I entered the promo code when creating account and confirmed with representatives that it was attached to my 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 non-monetary relief
Consumer complaint received 12-12-2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Settlement process and costs

Complaint: I have a few complaints about my home and I feel that it was sold to me with undisclosed defects. When we purchased our home, we soon noticed that the roof in the master bedroom had a leak. We also found the original warranty request from the original owner informing the builder of the defect. The builder XXXX XXXX sent a roofer out but the problem is still not repaired. Next we 've recently had a soap dish in our upstairs bathroom break off. When the repair company came out they informed us that any repair made would only be temporary since there was sheetrock behind the shower tile and is was soft and would not hold. The repair company also informed us that sheetrock in the shower is out of building code and should not have been used, that there is a sturdier substance that is made for wet applications and is approved by building code. My attempts to contact XXXX XXXX XXXX to repair have been unsuccessful. So I 'm filing a claim against my mortgage company since : 1. ) The leaking roof was a preexisting problem which I was not made aware of when purchasing the home, 2. ) The sheetrock in the shower is out of building code and should not have been approved and changed before home was sold.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Phoenix Financial Services LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX, XXXX at approximately XXXX EST, I received a call from Phoenix Financial Services . The caller asked to speak with someone ( I assumed it was me but he butchered my name ) and immediately disclosed my date of birth. The conversation went something like : Debt collector : Hello, is this XXXX XXXX? 
Me : Yes, I 'm sorry who is this? 
Debt collector : This is Phoenix Financial Services attempting to collect a debt, is your date of birth XXXX XXXX, XXXX? 

At this point I asked him why he would disclose my date of birth almost immediately. He responded : because I can. Do n't lecture me on the law, you are n't the only person with that date of birth, it 's not unique. 

Of course, I hung up because I refuse to be insulted and yelled at by a debt collector. As far as I know, under HIPAA policies, identifiable information such as date of birth should not be so lackadaisically offered over the phone. HIPAA is relevant in this situation because he was attempting to collect a medical bill. 

Other issues that I had with this call is : 1. This debt was paid in full back in XXXX. I was taken to the emergency room after an assault - due to the nature of my injury I was referred to a local program that took care of my entire medical bill. 
2. The debt collector did not allow me the opportunity to validate the debt. The moment I started talking he starting yelling. He claimed 'he was doing me a favor ' and that 'I should be grateful '. 
3. Prior to this call, I have did not receive any notices or other calls pertaining to this debt. In fact no one has contacted me about this account since I left the hospital ( which was about 2 years ago ) * replaced with random information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Other

Complaint: I called Bank of America on XXXX XXXX, XXXX to make my payment. The representative refused to take my payment unless I give her my driver 's license number. I verified my full name, full social security number, date of birth, full address and password on the account, but refused to give her my DL #. I hung up after she refused to so many tries. The next time I call, the representative took my payment and agreed to remove the late fee, because the representative should not have refused my payment. Every month this has been repeated. 
Finally on XXXX XXXX, XXXX I spoke to XXXX, a supervisor, who told me to pay {$66.00}, because he saw when the problem started and that would take care of it. I paid the {$66.00} and he supposedly took care it. I called today to make my payment and was told my minimum payment due is {$110.00}, because I keep getting late fee every month. I asked to speak to a supervisor. XXXX XXXX came on said she is a supervisor located in Arizona and repeated the same thing. I asked her to read the notes the last supervisor put in when I paid the {$66.00} on XXXX/XXXX/XXXX ; she said she did then told me I have to pay {$110.00}, because I have been later every month. I asked her to listed to the calls from XXXX XXXX, XXXX and XXXX XXXX, XXXX. She did not care. I told her I will file with the CFP complaint and wait to make my payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: There are XXXX collections on my credit report that were previously deleted with XXXX XXXX XXXX  and now they appeared again. XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX Both of these collection accounts were already deleted per the Fair Credit REporting Act and Fair Debt Collection Practices Act.

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 10-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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 recently pulled my credit report from XXXX and noticed many accounts listed on each of my reports as a collection/chargeoff. I immediately disputed this information with XXXX multiple times and the results of the investigation have always came back as " verified ''. I did not have an account with any of these creditors during this time period. 
Since I have disputed the account with the credit bureau, and they have verified them, I would like to see what sort of records they have for these alleged accounts. Under the new FACTA laws, you are required to conduct an investigation on this account, and I am now requesting it. I will seek legal action under FCRA 623 ( b ) for violations of the FCRA if you do not comply and respond to me with the results of the investigation within 30 days of your receipt of this letter.
In order to clear up this matter, I would like to see, a signed contract showing me that I indeed had an account with these companies. If you do n't respond with the results of the investigation ( as is required per the FCRA ), I will assume you have no documentation and therefore you were negligent in reporting accurate information on my credit report. At this point, you would also be in violation of the FCRA merely for not responding within the 30 day period.
To avoid a lawsuit, I request that you remove the accounts from my credit report. Please delete these listing or I will be forced to seek legal action.

Company response to consumer: Closed with explanation