milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-02-2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: they are wrongly seeking foreclosure judgement against me. the debt they are trying to collect was modified by our chapter XXXX bankruptcy plan. they were court ordered to modify the debt and are in contempt of court. they are trying to collect for fees and charges that they are forbidden from collecting by the provisions of our bankruptcy plan. I sent them several qualified written requests and proof of their errors but they will not correct my account. I provided their attorney with the modification, proof of all payments and court documents that prove we were not in default. The proof of claim that was submitted by XXXX Bank in our bankruptcy case has a different Note than the Note they 've presented in this case. They 're attempting to collect on the same debt with XXXX different Notes that they 've asserted to be the TRUE promissory Note. There 's only XXXX legal promissory Note. they have no case yet they continue to push through with their fraudulent documents. Furthermore, XXXX XXXX, an Ocwen representative signed an affidavit regarding the factual accuracy of our account despite Ocwen 's failure to do a Bankruptcy account reconciliation when we were granted a discharge. Ocwen did not do a bankruptcy account reconciliation until XXXX 2016, more than 2 years after they were legally required to.Their attorney, XXXX XXXX, submitted an affidavit declaring that he has " a continuing obligation to amend his affidavit in light of new discovered facts following its filing '' and certified the accuracy of the affidavits filed. However, he stated in the default hearing that he did n't read the modification agreement. The Agreement was attached as Exhibit A in my Answer. He also lied to the XXXX during the Summary Judgement Hearing that I missed due to a family emergency. He told the XXXX that he communicated with us but he never did, not once! he stated that they were willing to make loss mitigation or discovery efforts but they need participation from us. I gave him proof of everything, I have participated in every way possible! He lied several times to the XXXX because we were n't there to contradict him. they have misrepresented the amount of the debt, made false statements to collect on this debt, and seek to collect on a debt that their client has no legal right to. We were not in default. Ocwen 's unwillingness to correct my account as required by RESPA, the XXXX, and the FDCRA has subjected me to undue hardship and emotional distress!

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Bonded Adjustment Company (WA).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: This is a monthly rental we signed contact for 1 year. When the contract was over I called the owner first time 35 days before end of contract and then twice 30 days which is required per terms of contract. I spoke with the owner and he was/is still very mad because my truck left ruts in his freshly paved parking lot. And he told me where to park. The owner of course said I never called him about leaving when I called 3 times o my to get his voicemail every time he also claims we left stain on concrete floor? We did no such thing

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX is not Bonded in the state of Texas to collect debt.

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 06-03-2016 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I specifically told Bank of America Representative XXXX XXXX on XXXX/XXXX/2016 at XXXX to stop calling our place of employment and I told him they would be turned into the FTC of they called again. Yesterday XXXX/XXXX/2016 another representative from Bank of America called our place of employment for my wife and today a representative named XXXX called for me at our place of employment. They were already warned they would be turned into the FTC if they contacted me at our place of employment. I have XXXX XXXX 's phone number at 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 10-01-2017 about Checking or savings account (Savings account) with JPMORGAN CHASE & CO. (CA).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: On XXXX XXXX, i was told that my account was closed. The reason is that i do n't have utility bill to prove my address is active. Chase closed my account. Until now, nearly a month, i did n't receive the reset of my money. It is very terrible experience. i do n't know when can i get my money back. It is a big amount of money for me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with PENNYMAC LOAN SERVICES, LLC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: PennyMac has fail to produce to me the original promise note and mortgage in question. 
My request was done not to release the original but notorized the copy under penalty of perjury and then they send me a copy of HUD1 which I do know the signutare are all forgery. In reference to HUD1 that the forgery was committed and I have solid evidence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I am a XXXX, and I have XXXX for 14 years. When the PSLF program rolled out, we had a brief information session, so I learned about it about 10 years ago. 
I contacted my loan provider, at the time, I paid XXXX XXXX. I contacted XXXX XXXX and told them that I wanted to take advantage of the PSLF, and I was told that I had to make payments for 10 years. I continued to check periodically by calling XXXX XXXX. I trusted the company and never took notes of who I talked to or anything. 
Anyways, in 2017 I found out that my loan servicer was Navient. I contacted Navient, and I was told that they had no records of my loans. Then after about a week of calling, my loans were found, and I was told that there was no record that I was trying to take advantage of the PSLF. Therefore, all payments made did not count towards the program. I was told that if I wanted to take advantage of the program, I had to consolidate my loans and start over on payments towards the program. 

Basically, I trusted the system, and I feel like I attempted to do the correct process, and because Navient did not have records written, I have to start over on the process. This is not fair. I feel like I should have been directed better 10 years ago about my wrongdoing instead of now telling me that - just kidding, you do n't qualify because you did not fill out paperwork. At this point, I think Navient should consult/advice their clients better, and I think Navient should take responsibility for giving incorrect and/or insufficient information.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I opened a credit card with Bank of America XXXX XXXX, XXXX. I had an active auto pay with Bank of America on another card. 
I requested to have auto pay added to my card on XXXX XXXX, XXXX, submitted the form by mail, BofA did not process this, I requested another auto pay form on XXXX XXXX, and kept fax confirmation after sending it to XXXX. 
I called back after receiving my statement in XXXX not showing active auto pay, so I submitted a third auto pay form on XXXX XXXX. 
Bank of America sent a letter acknowledging receipt of the auto pay and successful processing on XXXX XXXX, then failed to process my payments for XXXX XXXX and XXXX XXXX, then reported me as 30 days late. I 've tried to resolve this directly with BofA to no resolution.

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 monetary relief
Consumer complaint received 07/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have like XXXX different social security numbers showing up

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Consumer Loan (Vehicle loan) with FORD MOTOR CREDIT CO. (MO).
Issue: Managing the loan or lease

Complaint: XXXX has an Account open for XXXX for Ford Motor Company. This was paid off and has a XXXX balance as of XXXX XXXX. XXXX has it reported correctlyAccount Details Last Reported XXXX XXXX, XXXX Creditor NameFRD MOTOR CR Account Type Automobile Account Status Open - Derogatory Opened Date XXXX XXXX, XXXX Closed Date Limit Term 60 MonthsMonthly Payment {$730.00} Responsibility Individual Balance $ XXXX Balance {$39000.00} Payment Status Current Worst Payment StatusCurrent Date of Last Payment XXXX XXXX, XXXXAmount Past Due $ XXXX Times XXXX XXXX RemarksReaffirmation of debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/28/2017 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XXXX/XXXX/17 I purchased a washing machine from Conn 's Home Plus in XXXX, Texas. The store was running a promotion of 36 months no interest for qualified buyers. My credit was checked and I did qualify for the promotion. I specifically ask the salesman on two separate occasions if the machine and my credit qualified and I was told yes it does. I even notice that interest information was noted on the contract and asked about the amount and was told that was how much would be applied if I would not have qualified. Approximately three weeks later I received my statement and there was interest applied to the account. For the life of the contract I will be paying {$570.00} which I do not believe that I am responsible for paying. I contacted the store and spoke with two different management people both of which indicated that the amount spent did not qualify and the interest would be applied. I told them that I could have spent approximately {$60.00} more thus eliminating the interest charge or I could have made the purchase elsewhere. The store manager did indicate that there was a mistakes made by sales personnel and the staff had to be re-trained on the application interest free merchandise.
I also contacted the corporate office and was told that mistakes had been made and employees had been reprimanded but unfortunately there was nothing that could be done at this time.

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 monetary relief
Consumer complaint received 06-12-2015 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Rewards

Complaint: XXXX '' HI opened a credit card with American Express on phone and was told that if I get approved I shall get the bonus points after fulfilling the requirements which I did. In course of fulfilling my requirements I asked few times if I shall get the bonus points and I was told yes by the representatives. After fulfilling my requirements I asked for the bonus points and I was forwarded to a supervisor who told me that as I previously had this card and even though I never got the bonus but I cancelled it I wo n't be getting the bonus. 
I humbly think that this is not right and not fare as the bank should not had issued me the card first place and the representatives should had warned me that I wo n't get the points. Doing so only after I fulfilled my requirements and being told by the representatives is misleading and leaves a very bitter taste and feelings. 
If I do n't get the promised bonus points I feel myself free to pursue other justice options

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Valentine and Kebartas, Inc. (WA).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: debt collection agency calls multiple times a day using different numbers, has called at XXXX and XXXX multiple times after ive already told them the time. they have have been completelt obnoxious and no regard to consumer contact laws. it is against the law to call outside of XXXX and XXXX and they know this. They also are aware of the times they call because they have my current address on file and know i live one the XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recent disputed inquries on my credit report to Equifax due to some fraudulent activities. Companies such as : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Equifax XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/21/2016 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Other

Complaint: I do not recognize this account on my Credit Report. Please see the attached letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have recently been informed that there is negative information reported by XXXX, XXXX in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry from this company listing Past Due 150 Days account closed. I am unaware of Past Due 150 Days Closed with this company. I contacted this company via certified mail asking for validation of the debt without a response over 45 days. 
Please validate this information with XXXX, XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

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 07-03-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: In addition to my pending case with CFPB ( CASE NUMBER : XXXX ), Equifax deleted my ENTIRE credit profile on XXXX XXXX, 2016 after I submitted a dispute regarding inaccurate information listed in my credit profile. Equifax subsequently removed all the information from my Equifax dispute profile to cover their tracks but, I have proof the credit file was deleted along with inquiries and inaccurate information was re-inserted without notification. 
Equifax is required by law to inform me within 5 days of reinsertion that they are adding anything to my credit report and since Equifax failed to notify me they broke the law. 
Equifax violated my rights under the FCRA SECTION 611 laws. 
I have proof of the removal on XXXX XXXX, 2016 and the reinsertion from Credit Karma as well as an updated credit file Equifax provided after my initial dispute in CASE NUMBER : XXXX instead of Equifax correcting my credit file they deleted the entire profile then in-served inaccurate information that has been detrimental to my credit and has caused me to be denied credit. 
I have attached the credit file from Equifax the shows the deletion and reinsertion of inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: I have tried to resolve the inquiries on my credit report with the consumers but the customer service rep. was not interested in helping me remove the negative inquire on my credit report.

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 06/18/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Between  XXXX   XXXX  and  XXXX   Portfolio Recovery w as removed from my credit report and after such action was taken it was placed back on my report between  XXXX   XXXX  and  XXXX   XXXX . According to FCRA I must receive written notification of such action being taken. I never received proper notification of this account reaging or of debt being placed back on reports. Also, Ive written portfolio recovery several times requesting validation with my signature attached for alleged proof. To this  date PRA has refused to cooperate and send me the requested information. Failure to respond within the allotted time frame with requested validation, as well as reaging the account with   XXXX   is means to have  this debt deleted immediately from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (PA).
Issue: Loan servicing, payments, escrow account

Complaint: On going saga. Insufficient funds in my checking account due to increase in my tax escrow created runaway train with Wells Fargo. Went to the bank to resolve the problem,, deposited the monies to cover the insufficient month of XXXX and also deposited XXXX 's payment to cover that month as well as that was coming due. Was told account was brought up to date and all was well. The bank representative failed to tell me that Wells Fargo closed out my auto pay connected to my checking account and ... XXXX what she should have advised me at that moment was to just " make the payment '' as depositing it would be futile ( not sure why they shut my auto pay down, seems NOT what you want to do if you are trying to obtain a payment ) they had no explanation. Anyway because of the banks failure to service my loan correctly and inform me of the shut down, I have received late penalties and they have reported me to the credit bureau reducing my credit score by XXXX points I have a thirty year mortgage history with no late payments. ... until Wells Fargo ruined it. This was an internal mistake on their end and they need to reverse it and thus far have refused to correct their mistake. I am willing to pay the penalties, but the credit score thing is very upsetting. They need to own up to the fact that they did NOT notify or inform me of the close down of the auto pay at the branch, and additionally a disclosure informing me of this was rec 'd by me the XXXX of the month ( XXXX ) when I expected withdrawal to occur on the XXXX, ( 10 days after ) as that is how my mortgage is set up with them. This bank is an on going nightmare. So frustrating .... Classic case of insult to injury.

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 12-08-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Making/receiving payments, sending money

Complaint: When I was out of town a woman stole XXXX checks of mine, filled them out and used them as payment for her bills. As soon as I found out I reported the theft to Bank of America. Bank of America is refusing to return the funds totaling {$530.00}. It was obvious to the Bank Manager whom I brought the theft to my attention ; that it was clearly not my handwriting nor my signature. In fact he pulled my signature card to verify. 

Please assist me in recovering my monies. 

Attached are the forged checks ( front/back ). Also there is a copy of a legitimate check, which I wrote and signed ( {$1500.00} ) so that you see the differences.

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 monetary relief
Consumer complaint received 10-05-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (PA).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: After reviewing the loan with a banker, I realized the estimated payoff amount started to increase from {$12000.00} in the statement dated XXXX XXXX, XXXX to {$13000.00} in a statement on XXXX XXXX, XXXX. Also the Accrued Interest doubled on two different dates. On XXXX XXXX, XXXX the interest was {$100.00} and on another invoice from the same date was {$510.00} and that happened again on XXXX XXXX, XXXX as well with accrued interest going from {$130.00} to {$380.00}. The interest rate is currently 18.89 % and my payments are {$320.00}, I asked if the interest rate could be lowered and was told 'Santander Consumer USA does not lower interest rates. '

Company response to consumer: Closed with explanation