milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/17/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Settlement process and costs

Complaint: Lender " Ocwen '' took over my loan ( from XXXX ) in 2006. Ocwen never recorded the assignment with the County of XXXX. I discovered this while working with my City 's engineering department on a substantial remodel to my aging home. Permits are pulled, crews are at the ready. We are also required by XXXX, to have the Lender If Record sign off on a required easement for a planned future sidewalk. We received a brief extension of time to accomplish these items. After speaking with XXXX outsourcing, then XXXX, I finally reached the XXXX manager, XXXX, who promised a 48 hour resolution. That was 4 days ago. I have left her 10 messages asking for a call back. Even with her direct number, that department does not accept incoming calls. I 'm facing renewal of the permits, almost {$10000.00}. if this is not resolved soon and I am unsure how to proceed. Please help me get Ocwen to record as the lender of record ( which they should have done in 2006, and sign off on the XXXX easement for the sidewalk. Thank you for any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Debt collection (Auto) with Byrider Franchising, LLC (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The current issue just came to my attention when I attempted to get a loan and was asked about a charge-off listed on my account. I should not have had any charge-offs so after requesting my credit report I found that CNAC had reported this to the credit agency. CNAC was the holder of a car loan that was sold to another company who filed a civil suit. This went to mediation and the case was dismissed due to the alleged debt being the direct result of an illegal repossession and illegal communication of this debt according to GA law. The company did not sent proper notification under GA law. The illegal repossession and communications were done by CNAC at the time they first attempted to collect this alleged debt. These actions lead to the dismissal of the debt and was filed with the court. It has now come to my attention that CNAC is reporting this as a charge-off on my account when the debt was dismissed due to it being an illegal repossession and improper communication of debt. CNAC would not accept me telling them via a phone call this case had been settled and refused to acknowledge that this debt had been dismissed. This debt is an invalid debt and was proven as such in the civil case regarding this alleged debt. This is negatively impacting my credit and has contributed to me not being able to obtain credit on several occasions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I was in contact with Transunion today XXXX/XXXX/2015, in an attempt to dispute hard inquiries currently showing on my credit file. I spoke to Customer Service Representative by the name of XXXX. He stated that I could not dispute inquiries, because they were factual. I needed to contact the company directly in writing. I have written and spoke to creditors, on the phone, only to be told that I needed to dispute with the credit bureaus. In the meantime, the discrepancies go unresolved, because the creditors and credit bureaus are not on the same page. I then asked to speak to a supervisor. After being placed on hold several times, I was connected to XXXX who stated he was a supervisor. I explained to him what I was trying to do. He, in turn, stated the same thing as the customer service rep. I then informed him that I was told by the CFPB that I had a right to dispute inquiries directly with the Credit Bureaus, as well as, obtain documentation used in the investigation. I currently have the following inquiries to be disputed : XXXX XXXX XXXX XXXX XXXX/XXXX/2015 and XXXX/XXXX/2015 XXXX XXXX via XXXX 's XXXX XXXX XXXX XXXX/XXXX/2015 XXXX via XXXX XXXX XXXX/XXXX/2015 I could not dispute the inquiries, because both the customer service representative and supervisor refused to initiate the investigation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NV).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Following a fraud investigation, my account was restored to a good standing. Received new cards in the mail ; however, the account was closed already. CapitalOne advised that the account was closed due to my request. I did not request this closure, I have NOT received the credit balance of over {$1300.00}, AND I wanted this account ( assuming the account number had been changed ) to remain open and active as I had discussed with the company representative on XX/XX/XXXX However, the closure of this account now places me any my family in an very disstressful situation that causes undue stress to continue to victimize the victims that have already spent the last year trying to overcome.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Experian has false information in the address. Likewise, they have subsequent agencies who have asked for my credit record to which they are giving false information, and put agencies to which they say I applied. I have not. I have tried to let them know this on line and by phone. Their website recording these inaccuracies would not submit the corrected information. Likewise, when you call their phone number. It does n't work. It says they are having connection difficulties. 

They, not the other two credit monitoring agencies, have false information in my credit report that they have posted, and wo n't correct the information. I have tried to dispute this on line but the website will not let me. Furthermore, I have tried calling to dispute and keep getting the message that your phone lines are down. Furthermore, my middle name needs to be requested. Furthermore, I am not nor have I ever applied for new credit cards or opened new bank accounts in the past three years. I refinanced mortgage XX/XX/XXXX and have a new car loan as of XX/XX/XXXX. I have only lived at one address since XXXX. Any other addresses and credit inquires are wrong. I only have a usaa credit card and do not need nor have I applied for others. Please consider all other credit applications as attempts at fraud.

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 07/18/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Other fee

Complaint: I had duly verified the checking account, weeks ahead in time, for full balance payment every month, despite which the bank went ahead and applied late fee + interest charges of {$32.00} on purchases. On calling, they acknowledged that there was a system error in not activating the balance payment and reversed the late payment but declined to take away interest charge on purchases. I am disappointed that despite going through steps of verifying the checking account, I get charged with interest charges when it was their system intrinsically not activating.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-08-2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I learn that i had a judgment on my credit report once i check my report. i was late but i paid the management of XXXX XXXX, this was in XXXX. My credit report states that it was satisfied XX/XX/XXXX.I do n't no anything about a court day. Or why this judgment exist.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: Navient raised my interest rate without any notification on my private loans! Also, I question whether they have applied extra payments properly to my principle. I need proof of this as well as my original contract with loan terms. I requested the loan documents be sent last Monday XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: A few weeks ago I sent your bureau a request by certified mail to investigate items on my credit report which was highly suspect. As per the FCRA, I allowed this company 30 days to correct my report and send them a letter last XX/XX/XXXX. However, this company company has failed to take any consequential action and continues to maintain a file on my which is grossly inaccurate. My first letter included all the list of errors on my report and I was under the impression that a proper investigation would be conducted to resolve the matter. More than 30 days had passed and no proper investigation done by the bureau. All I receive is an obvious computer generated generic response letter. I thought after Attorney General XXXX XXXX 's actions last XX/XX/XXXX, this credit reporting company would comply with the settlement. According to this link : XXXX XXXX XXXX. A copy of the settlement was published in this link publicly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 06/26/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I tried to tell XXXX & XXXX that Citibank credit card was opened fraudulently. They did n't bother to help me in any way. They obviously do n't take identity theft very seriously. They 're garnishing my pay check for {$2100.00}. It 's unfair that I have to suffer because this identity theft.

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 12-08-2017 about Mortgage (Conventional home mortgage) with AmeriHome Mortgage Company, LLC (NV).
Issue: Trouble during payment process

Complaint: Amerihome Mortgage has changed their website and now I am locked out and have been trying to get this handled the last few days. I have tried emailing them and have been told I have to re-register but when I try the site tells me I am already registered, I try resetting my password but never receive the email, I have tried calling and was bounced around after talking to two different people and left on hold for over an hour.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX is reporting a collection account on my credit report that they have made absolutely no attempt to validate the debt before placing on my credit. I have never heard from them and when I went to apply for a loan I learned that they were reporting an account that Capital One charged off 4 years ago. 
Not only did they not validate the debt before reporting it they are now re-aging the debt. They show the account opened in XX/XX/XXXX when it charged off at the end of XX/XX/XXXX. I complained to Capital One about a charge and they did n't respond and it led to a charge off. 

The account is also duplicated. Capital One is also reporting the account. 

That means there are 3 violations due to a single trade line.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MA).
Issue: Account opening, closing, or management

Complaint: My nephew, XXXX XXXX XXXX XXXX, passed away on XXXX XXXX, XXXX. My Nephew had at least XXXX account with Citibank. I was appointed the personal representative of my nephew 's estate and notified Citibank of the appointment by letter dated XXXX XXXX, XXXX. I provided Citibank with a copy of the Court Order and Letters of Administration and requested that the bank liquidate my nephew 's accounts. Citibank responded to my request by letter acknowledging that it held an account in my nephew 's name. Citibank 's letter instructed me to provide the bank with ( i ) my nephew 's death certificate, ( ii ) letters of administration, and ( iii ) a notarized letter of instruction from the administrator of the estate. Per Citibank 's instruction I was to either forward the documents by mail or by fax. 

As my nephew passed away XXXX, it took several months to secure a copy of the death certificate. However, upon my receipt of the certificate from XXXX ( which certificate included an XXXX Language Translation ) I forwarded the documents ( i -iii ) to Citibank by fax as instructed. The documents were sent on XXXX XXXX, XXXX. It is now XXXX XXXX, and I have received no response from Citibank to my lawful request to liquidate my nephew 's assets. 

I do n't think that Citibank has acted correctly or lawfully. I am the court appointed representative for my nephew 's estate. I provided Citibank with evidence of the same in accordance with Citibank 's instructions. My appointment is a matter of public record that can be verified independently on-line by visiting the Probate Court for XXXX XXXX, FL. My nephew held at least XXXX account with Citibank which is property of my Nephew 's estate, for which I am the court appointed administrator.

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 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: There is a Chapter XXXX Bankruptcy being reported on my credit reports. I contacted the Federal Court that report is showing and spoke to a clerk who advised they do not send documentation of verification to third party companies or credit agencies. She advised there is no personal information to verify this belongs to me such social security number, drivers license, date of birth or birth certificate. I asked the XXXX, Experian and XXXX to remove this inaccurate bankruptcy from my report and advised it had been verified. But I did not receive any documentation proving this Bankruptcy belongs to me. Per the XXXX County Federal Courts they do not and have not verified any information of a bankruptcy that belongs to 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 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On my TransUnion report there is a collector by the name of XXXX XXXX XXXX..this particular debt was previously disputed and removed as a result of fraud..it has since been sold and bought by a different collection agency ( XXXX XXXX XXXX ) ..I am requesting that it is removed from my report as it was previously done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/23/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: As per the debt collection agency - XXXX, the debt of {$64.00} was requested to be removed from all Credit Reporting Agencies in XXXX 2016. It is still showing on Equifax. See portion of communication from XXXX to CFPB - *** " In addition XXXX sent notice to the XXXX major CRA 's to remove the tradeline from XXXX credit history in XXXX. '' *** I want this debt removed from my credit! ( SEE ATTACHED TRANSCRIPT DIRECTLY FROM XXXX TO CFPB-HIGHLIGHTED IN YELLOW )

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Dear XXXX, XXXX XXXX, and Experian! ( Including all other Credit Bureaus known and unknown ) Please provide the Consumers of America with the Original contract with wet ink signatures that granted you our Permission to hoard our personal information. Failure to provide this contractual agreement to each and every Consumer constitutes a privacy right violation according to the Privacy Act of 1974. The Privacy Act of 1974 also serves as a Public notice on the behalf of all Consumers in each State including the District of Columbia due to XXXX being a publicly traded company! We the Consumers have grown tired of the false and misleading practices you have portrayed!! Protraying False and Misleading Practices are also violations of FEDERAL LAW! 15 USC 1692 ( e ). All Consumers demand that all Personal information retained in your companies systems be removed immediately and damages of XXXX XXXX Dollars ( USN ) backed by gold be credited daily to each Social Security Number Available in your system. Consumer 's name and personal information ( which are copyrighted as intellectual property ) has been leaked by your company has continued too injured Consumers daily as your Systems are primitive in Nature!!

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 07-05-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/14 my checking account was in the negative and the bank took it upon itself to transfer funds from my joint checking account into the checking account in the negative. I did n't ask, request or authorize them to do this. Nor, did I sign anything giving them permission to do this action.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Debt collection (Mortgage debt) with Real Time Resolutions, Inc. (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have made several attempts on my own to reach a understanding of the additional fees accumulating on my account and was unsuccessful. In XXXX of XXXX, I asked an attorney to assist with reaching a resolution. The attorney sent a letter and was able to get a full detailed record of the account in XXXX of XXXX but was unable to get a response to the request to explain the fees, which was the original request. The attorney representing me was referred to a attorney at Real Time Solutions and she was told they have only two attorney 's and they would get back to my representative as soon as they can. As of today, my attorney has followed-up with several phone calls and no return call or letter response received. I would like to reach a resolution for this account but unable to get answers from anyone. Its been more than six months and we have not been able to talk to someone.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (VA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I wrote to your company earlier re case # XXXX. My USAA Mastercard was compromised from XX/XX/2016 thru XX/XX/2016 for over {$9000.00}. It took countless phone calls from me, a letter from your company, and much additional paperwork to finally get this partially resolved XX/XX/2016. There are still XXXX additional charges I did not make on XXXX XXXX, 2016 for {$350.00} each. I have called their fraud / identity theft departments 4 times, spoke at length to agents, and I still have the charges totaling {$700.00}! I have received XXXX different USAA credit cards all with different numbers, have NOT activated any of them, so how can I have charges? The last agent I spoke with, XXXX, on XX/XX/2016 did some research and learned these charges were made in XXXX! I, of course, was not in XXXX and did not authorize these charges for {$700.00}. I asked her why any of the other XXXX agents did not tell me that information. She said they just did n't bother to look! I am perplexed as to why USAA, a company I have been with for many years, and touts itself as a support to military personnel and their families, is having such a difficult time resolving this fraud issue!! My XXXX XXXX XXXX and XXXX XXXX card were both compromised XX/XX/2016, the fraud was dealt with, the accounts are being monitored, and all is well. What is the problem with USAA?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX 2016 OCWEN posted Keep Your Home California funds to my account. My home loan payment was supposed to change from {$1100.00} to {$820.00} according to the Keep Your Home California recast. I was told this recast was not optional. I signed the document OCWEN sent to me months later in XXXX 2016 even though OCWEN did not include a return envelope. I used the address on the document and took a photo with my iphone and sent a copy to XXXX XXXX at OCWEN so he would know what address I sent the notarized document to. OCWEN did tell the Department of Justice that they did not receive this document and yet they made no effort to send me the document again and would not return my calls and emails regarding the fact that I needed an envelope. I had to try to remedy the situation without any help from OCWEN. They are non-responsive at this time.

Company response to consumer: Closed with explanation