milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-08-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (DC).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased a XXXX home loan from XXXX XXXX XXXX XXXX in XXXX XXXX, made payments constantly until crash of XX/XX/XXXX, missed 5 payments in a row. during the time I was unemployed my mortgage servicer transferred from XXXX to XXXX. XXXX, sent me, as they have done others, a package for modification of a loan, and upon filing the paperwork out, and also being employed again, XXXX systematically and continually denied a home loan modification or refinance option. XXXX, due to bad publicity and muilti-state claims sold the loan to XXXX, who have continually done the same thing. Over 30 faxes, and over 25 emails, my account has been locked accoring to an XXXX representative attending a home free usa workshop, two months ago. All XXXX has done is rack up interest, penalty, debt without offering and approving either a modification, refinance, or allow payments to be made on the loan. Over $ XXXX in interest and penalty. XXXX refers homeowners to government agencies such as XXXX XXXX XXXX, who take all of your information, and resubmit your information back to XXXX! 

How many others have experienced this level of fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Payday loan, title loan, or personal loan (Payday loan) with BlueChip Financial (PA).
Issue: Charged fees or interest you didn't expect

Complaint: It has come to my attention that payday/internet lenders must be licensed by the state of Pennsylvania in order to offer loans to its residents. Since this company has no license in my state, the loan contract I have is not valid. Although I am not legally required to do so, I am willing to repay the principal balance of this loan, plus 6 % interest, which is the maximum allowed by Pennsylvani a Law.    I received a deposit of {$800.00} on  XXXX / XXXX /  XXXX  . From  XXXX / XXXX /  XXXX   to  XXXX / XXXX /  XXXX  , I have paid a total of {$950.00}.   Based on the above mentioned P A State Law, the principal plus 6 % would be {$840.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Debt collection (Credit card) with Northstar Location Services, LLC (DC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My XXXX credit card account was sent to North Star Companies. I called after receiving a letter that a judgment was taken out on me about my account. When I called I was told my account was in a pre-legal status so I went ahead and set up a payment plan of about {$100.00} a month. This month my car stopped working and I needed it fix. So I called Northstar Company to see if instead of paying on the XXXX XXXX I could move payment to XXXX XXXX. I was told that because my account was in a pre-legal status they could not make any accommodations since I was already paying a low monthly amount, which I believe not true, because I have had issues in the past and accommodations have been made. I was then asked that if I could not make the XXXX XXXX, could I go borrow the money which I found offensive. I am already in debt why would I go into more debt.

Company response to consumer: Closed
Consumer complaint received 08/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with M. G. Credit, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I wanted to cancel a gym membership at XXXX in XXXX FL, due to a major car accident injury that I suffered. I had to cancel after the seventh month of the the XXXX year contract. To cancel they wanted to charge me {$500.00} plus. I refused to pay that amount and now they are harassing me by giving my number to debt collectors that call constantly to threaten me of ruining my credit and filing suits. I think this is fraud and a very low move by this chain of gymnasiums. I hope someone drops the law on them because they need to be stopped.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: We have sent the bankruptcy forms to the credit agency and the accounts do not show paid they show and outstanding balance and the mortgage account shows foreclosed and it was included in the Chapter XXXX bankruptcy with both mortgages on our credit .On XX/XX/XXXX, we filed for chapter XXXX bankruptcy, at the time we surrendered our house back to XXXX XXXX XXXX , previously XXXX XXXX XXXX XXXX XXXX our mortgage loan. XX/XX/XXXX, during our chapter XXXX bankruptcy XXXX XXXX XXXX sold our loan to XXXX on XX/XX/XXXX. XXXX foreclosed on our house in XXXX of XXXX. Our bankruptcy was XXXX in XXXX XXXX, XXXX. Now XXXX XXXX XXXX is reporting our mortgage on our credit report and XXXX is reporting it as a foreclosure XX/XX/XXXX. Our credit score has dropped XXXX points since XXXX started reporting the foreclosure XX/XX/XXXX. Please help us, this mortgage was included in our chapter XXXX bankruptcy and is the only reason we filed. It was our understanding that the mortgage loan was supposed to be marked in bankruptcy on our credit report. Our credit score has taken a hit with the Chapter XXXX bankruptcy ( the house loan was included in the bankruptcy ), and now we are taking another hit with the foreclosure reporting ( it is not being reported as included in the bankruptcy that has been discharged ). XXXX XXXX XXXX and XXXX are both reporting the same mortgage loan that was discharged in the bankruptcy on our credit report. I am attaching documentation supporting our bankruptcy. 
I am attaching several of our bankruptcy forms to support our story. We hired XXXX to help us with this situation and still have not seen results from any letters sent to the credit agencies. We do n't know where else to turn. We have spent many hours trying to get help with this situation. 
Our contact information is XXXX XXXX SSN # XXXX XXXX XXXX SSN # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone XXXX Email : XXXXXXXXXXXX XXXX loan # XXXX XXXX loan # XXXX Property Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Thank you for assistance in this matter. 
XXXX and XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Ditech Financial LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: XXXX held a XXXX mortgage on our home, release the lien and sold the debt when the home went into foreclosure by the XXXX mortgage holder. XXXX then sold the debt to Green Tree Financial, which I now know are, aka XXXX XXXX XXXX XXXX XXXX, aka DITECH Financial LLC. 
XXXX and Green Tree were both notified of the bankruptcy filing. Since that time I 've starting getting collection letters from Ditech, which is same parent company. I called and gave them the bankruptcy case number and the lawyers phone number, The ' XXXX '' who would n't give his agent # or other ID, was very nasty in telling me that they could contact me all they wanted by mail unless I sent them a letter telling them not to. I re-explained the bankruptcy filing to him, but he was rude again. 
Now the bankruptcy was discharged on Monday XXXX XXXX, and on Friday the XXXX I received another collection letter.. BUT it 's dated XXXX XXXX Odd that, and the envelope has no postmark date.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with H. Kent Hollins, Attorney at Law, P.A (OH).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Sent a letter to subpoena records from XXXX which is my car loan company. They are Kent Hopkins collecting for a water bill on behalf of city of 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 08/30/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have been trying to get Equifax to update my personal information for the past few years so that I 'm able to obtain my credit score. I was married in XX/XX/XXXX and I sent in the updated the information. I requested to get all the FRAUD ALERTS removed and they were just extended till XX/XX/XXXX. I 've sent in my ID, social security card, XXXX and military ID in hopes they would update my credit report to no avail. I 've recently tried to start the dispute process again but it has turned into endless phone calls, faxes and mailed in letters. I would just like this information updated.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: commonwealth finance and XXXX is keep opening old account that is expired and all ways attacking my credit report over expire accounts and same account repeated tell information too XXXX party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have requested information/ validation on this debt bearing my signature and have not recieved anything stating that I owe this company any money. They have repeatedly responded that they have investigated and verified the validity of my debtand dont even allow me to dispute their claim. I have never done business with Ad Astra, never signed a contract nor do i owe them any money

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: The company misrepresented that I owed a debt that it could not substantiate my ownership, even when I requested that documentation be provided. Further, the alleged debts were from XX/XX/XXXX and XX/XX/XXXX and I indicated if they were mine it was past the statute of limitations. Additionally, they provided information to credit reporting agencies, while knowing or having reasonable cause to believe that the information was inaccurate. Lastly they failed to conduct a reasonable investigation when it received a notice of dispute from a credit reporting agency and used illegal debt-collection practices, including misrepresenting the character, amount, or legal status of a debt ; providing inaccurate information to credit reporting agencies ; and making false representations to collect a debt ; and failing to provide verification of the debt and continuing to attempt to collect a debt when it is disputed by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have some inaccurate information on my credit history. I haveaddress changes that do n't apply. And I have never changed myname.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: To whom it may concern, We have been in an on going dispute with XXXX since XX/XX/XXXX which has resulted in a wrongful collection debt that has affected my fathers XXXX Security Clearance. 

XXXX has wrongfully sent our account into default despite several of my personal attempts to clear the account based on my cancellation of services request back in XX/XX/XXXX which I personally requested on several more attempts to listen to the call recordings of every person I 've spoken to within the company in attempt to prove my request of cancellation ( " this call may be recorded for monitoring purposes '' ). 

XXXX has continued to charge us for services well into the XX/XX/XXXX year for services in which we cancelled and have severely failed to provide reasonable definition as to why we were being charged. I have spoken to several XXXX members of " customer service, accounts receivable and collections '' and have received different excuses from each representative. Needless to say, two understood excuses I have received : The first - our account was never cancelled, the second - our account was cancelled but showed a debt for un-returned equipment. 

I have attached a notice from XXXX showing the start of service and also receipts for " un-returned '' equipment from the UPS Store. 

I 've asked on numerous occasions to speak to a manager in attempts to resolve the issue and was never able to reach a single one. Each representative " assured '' they showed no reason for debt and each " assured '' they submitted for a reverse of charges. That never happened and I was never contacted to provide proof. 

We believe we were never given a fair attempt to resolve this before being sent to collections and again, despite SEVERAL attempts. 

I have the names of XXXX representatives for most attempts to clarify the reason for debt and in attempt to provide proof of my rightful recordings of saying such cancellation was never given. 

POOR, POOR, Customer Service on 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 06-02-2015 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Transaction issue

Complaint: This is formal complaint to express my disappointment with the lack of service provided to me from Chase Credit Card Services after explaining the following complaint with a merchant. 
Merchant : XXXX XXXX XXXX XXXXOn XXXX -- I held my son 's XXXX party with the merchant listed about. The complaint is as followed : A written statement was sent to inform merchant of my negative/positive experience with the food and services that I paid for on XXXX. First the food was great, however, I am very disappointed in the level of service that was provided. Per the contract, the staff was to look after my party and refill buffet food accordingly especially when XXXX XXXX imposes a mandatory 20 % gratuity/Service charge, I expected the service to be great and up to par. Unfortunately, the initial service by the staff was unsatisfactory and was not meet per the contract. Listed below is a quick summary as to why : -- - The waitresses at the beginning were not attentive to my guess -- drink service and refills! Staff did not notify my wife or me when the food was ready so we were not able to inform our guests that they could serve themselves My guests made their own decision as to attending the buffet which is unacceptable. 

-- - Merchant informed us per the contract that someone was going to be alert and keep an eye on the food so when food was running low more food would be put out. We ran out of the XXXX more than XXXX and it took almost XXXX minutes for them to be replenish. -- -unacceptable. brench of contract -- - Also at the beginning when we first arrived the waitress introduce herself and stated that she was going to be with our party, but when we were ready to order some pitchers of beer and our guest trying to obtain refills they were nowhere to be found. This was frustrating to my guests and embarrassing to me. At the end the waitresses were there and they were doing their job and even help cut the cake, but by this time the negative experience outweighed the positive XXXX. 

Overall our experience was OK, if XXXX is going to implement a mandated 20 % gratuity/service charge we expect 100 % service not 80 % not 70 %. At a minimum I would expect some type of adjustment to the fee/tip. Again, the food was great, but the initial service was unsatisfactory which made my husband very unhappy and was embarrassed by the actions occurred. 

Respectfully,

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Debt collection (I do not know) with National Enterprise Systems, Inc. (MN).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: My cell phone number - and my brother 's - is not associated with my mother, nor does she give it out. However, a XXXX XXXX from the National Enterprise System has attained our cell phone numbers and repeatedly called with claims about our mother 's debts. We have clarified that we are not the people to speak to and that he legally must mail her information because she has no idea who this company is or what they are calling about. I have called their compliance department to complain and was sent to a voicemail. I have yet to know if they actually received my voicemail. I am complaining because someone else 's debts are not my concern and I am very upset that our numbers were found and used in an illegal manner.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (OR).
Issue: Loan servicing, payments, escrow account

Complaint: I have a reverse mortgage through Champion mortgage. Champion mortgage paid property taxes on my behalf. In turn, I sent a payment to Champion mortgage in full plus extra to cover the property taxes paid on my behalf. Several months later, i was informed by Champion mortgage my payment was short by {$6.00} and that large late had accrued on my account. My discrepancy is that I paid up and above the payment amount requested on the bill I received and should not be accruing any late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Under Navient, I was never informed of the public employee forgiveness program, nor was I informed of income driven repayment options. I have been accumulating inters for years on a loan that I did not know had alternative options. As a public employee, for nearly 10 years I could have paid at almost to the point of forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Experian, XXXX, XXXX XXXX XXXX and XXXX XXXX has continued to report fraudulent information on my credit file. I have filed several disputes throughout the years with these companies but there never is a positive outcome. They have continue to report this fraudulent information on my credit file even though Ive given them a police reports showing that Im a fraud victim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In 2017 I contacted Equifax and informed them that they are reporting erroneous information regarding a XXXX XXXX account on my credit report. They are reporting an incorrect balance amount. I requested an investigation and they refuse to remove the incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AR).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My loans were formerly serviced by Navient. I have read about the recent filing by the CPFB against them and wanted to add my complaint to the list. I have been in repayment and on IBR since XXXX. They misfigured my payment mulitple times, when I was able to calculate it easily. My husband also has qualifying XXXX loans and this seemed to be confusing to them. I requested consolidation early in XXXX and they stalled for nearly a year. They claimed I had loans with another company ( I did not, they had all my loans ), they would give me differing answers as to the delay, and they would of course push me into forbearance. I accepted, as I did not want to make payments not knowing the amount or how they would be allocated. In XXXX of XXXX, I refiled for consolidation through the Federal website and this time chose my purpose as PSLF since I had started working for a non-profit. This automatically made my new lender XXXX. During the process, I was informed by Navient that they all of a sudden were completing my consolidation and I had 10 days to cancel. I called and canceled, but they completed the consolidation anyway. They argued with me on the phone that it was 10 days, not 10 business days, which it clearly stated on the letter they sent me, and I read it to them. They replied, well it will probably go through anyway, and it did. It took another 2 months to get everything consolidated and moved to XXXX. I am so glad to be rid of Navient, although XXXX has made a mistake or two as well.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (DC).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I applied to switch from Income-Based Repayment to REPAYE. After submitting my first application, my servicer switched me back to the Standard repayment plan, which is not what I requested. So I applied again, and got a message back saying that my request was denied because I had not made my payment under the Standard plan " within 15 days. '' I have Direct Debit on my account and I have made every payment on time since entering repayment. Today I applied for a third time but I am not confident they will process the application correctly.

Company response to consumer: Closed with non-monetary relief