milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/31/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I used my mortgage company 's website to set up an online payment as I usually do each month. The payment was set up to be paid on XXXX/XXXX/15. I received XXXX emails from Ocwen confirming I successfully set up my payment. They usually do n't take it out of my bank account on the day I request so when it did n't happen right away I did n't notice. When I reconciled my bank account last week I noticed it still had n't come out and got concerned. I logged into the website and it said I still owed my XXXX payment. I also noticed that their confirmation emails did n't arrive until after XXXX/XXXX/15, making it seem impossible for the payment to come out on time. Since it was the weekend I emailed my concerns but did not hear back. I called today and was treated very badly. The Ocwen representative assumed I was lying even when I asked him how to forward the XXXX Ocwen confirmation emails I had received earlier in XXXX. I had trouble understanding him but he finally said that no late charges had been added and did I want to make a payment. I said I would make the payment online so it cost less ( {$10.00} ). He said " so you 've waited 21 days to call and now you do n't want to pay ''. I am upset with his attitude and with the fact that I had to pay {$10.00} for an online payment I had set up on time. I do not trust them to now take the payment accurately and am worried they will take it twice. Ocwen 's communication has always been poor but we are trying very hard to stay current and they are treating us badly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Debt collection (Credit card) with Forster & Garbus LLP (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I went to the offices of Foster & Garbus who are debt collectors. When at the offices i signed an agreement to pay off my debt that they represent ( XXXX ). While there I provided documentation for the initial payment thru XXXX XXXX. When it came time for my second payment I was instructed that my settlement agreement was nullified due to non-payment of the first stipulation payment. Upon investigation it was Foster & Garbus who was in error because the funds sent for payment was confirmed by XXXX XXXX that they received the funds and the voiding of my stipulation was in error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I have an excessive amount of inquiries that I did n't authorize or apply for on my credit reports. Please assist and advise.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have contacted both LexisNexis, XXXX and XXXX about the reporting of ( 2 ) fraudulent Chapter XXXX Bankruptcies that are showing on my credit files. When I contacted XXXX they refused to do a proper investigation of the matter and only submitted a request to verify my correct personal information with LexisNexis, and this does not constitute a proper fraud investigation when I have informed both XXXX, XXXX and LexisNexis that my information was compromised as a result of identity theft. These bankruptcies also show that they were filed in the state of S.C., however I have never resided in the state of S.C., so it is impossible that I could have ever filed a bankruptcy in S.C. as that would be prohibited. I have never in my life filed any bankruptcy but I have always lived in the State of Georgia so there as many reasons why these bankruptcy records are fraudulent. I have sent both LexisNexis, XXXX and XXXX my personal statement of these facts, a copy of my police report to prove this was fraud and both of them continue to report information that they know is fraudulent. It is also impossible to file ( 2 ) bankruptcies in a one year period yet both of these agencies claim that I did, but his is 100 % false. These are not my bankruptcies and neither agency are doing proper fraud investigations they are only verifying my name and social security number, and that is improper when I have told both companies I was the victim of identity theft where my information was compromised and uses. <P/>The bankruptcy numbers are as follows : Case XXXX filed XX/XX/XXXX Case XXXX filed XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Debt collection (Payday loan) with Advance America, Cash Advance Centers, Inc. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Received a call from XXXX threatening me that legal action was taking place regarding a check fraud case for a payday loan that was taken out XXXX years ago. I was told to make sure that when a process server arrives at my place of employment that if I did n't not sign for the papers, that they would file the papers with the court system and keep coming to my employer every day to serve me until either I sign or the court preceding 's end.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Other

Complaint: My GAP credit card from Synchrony Bank, was closed by the bank because of non activity. When called to find out why they have done without prior notice the response was it was there in the fine prints in the card agreement. My card is valid till XX/XX/2015. My concern is if some is not using the card this is not a reason to close it. Secondly at least I should have got XXXX prior notice that also not happened. So the bank should have give the card for 24 months if that is the validity. By providing more validity time period they are misguiding the customer. And the customer like me are getting impacted in the credit history. Unlike other card this has this unique feature. So I want people to be aware of this bank card.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Credit card () with AMERICAN EXPRESS COMPANY (GA).
Issue: Rewards

Complaint: When I signed up for the American Express Premier Rewards card, I was offered XXXX membership rewards points for a spending of {$2000.00} in eligible purchases within the first 3 months of the account opening which should be before XXXX/XXXX/2016. 
I completed the spending requirement of {$2000.00} in eligible purchases on XXXX/XXXX/2016 but I still have n't received my bonus offer points. After chatting with an American Express representative named XXXX through the American express online chat on XXXX/XXXX/2016, XXXX at first told me that I did not meet the {$2000.00} requirement. But after he and I went through all the transactions, he confirmed that I made over {$2000.00} in spending of eligible purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2015 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (TX).
Issue: Other

Complaint: i have received a phone call from a company called XXXX- they are located in California- the woman who i spoke with was XXXX -- she stated the call was for an old HSBC credit card. the card was around XXXX her attorney fees were XXXX -- they are going to file judgement agaisnt me in the state of CA, put a lien on my vehicle, and garnish 25 % of my wages. i was very concerned and asked a lot of questions i dont remember having the card- she said was from XXXX when i asked for more information she got upset and hung up on me. i called again today to get more information she said creditors can garnish wages if i dont pay my bills -- she mentioned other debts that i had and said i dont pay my bills -- she said i was wasting her time. when i called back again to get more information on the " garnishment '' she said they were going to do what they have to and she was not going to deal with me. she hung up on me more several times after i just tried to get a mailing address and more information about her and the company she was calling from. i think they may have blocked my number after a few attempts. i asked to speak to supervisor they either hung up on me or transferred me to a voicemail. when i called back to get the name of the supervisor they just transferred me back to a voicemail which doesnt have a name just an extension.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Payday loan () with Big Picture Loans, LLC (GA).
Issue: Charged fees or interest I didn't expect

Complaint: Borrowed {$600.00} from castle payday loan and they are saying that i have to pay back {$5400.00}. there is no way im going to pay that amount of money back to them, that is highway robbery!!!

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I too have been experiencing issues with Navient. They have not listened to me regarding telling them what I am able to afford, instead they insist on deferring my loan causing me to go deeper into debt with my loan. I have told them numerous times about my divorce and my household income being cut and they refuse to send information I 've requested to my house. I do n't have the ability to refinance and get the loans to a creditor based in the United States to speak with someone without a language barrier so I am stuck. The loan I am paying towards is a program that has not existed at the school I graduated from for at least 3 years. It was taught out. They stopped enrolling in XX/XX/2013. With my financial situation I 'm trying to do the best I can but have recently considered bankruptcy because I do n't know any other way, this company simply will not listen to me when I tell them I can only pay a restricted amount until my credit debt is cleared, and when my divorce is final and I 'm not paying attorney fees. If there is something you can do to help the consumers please do. I 'm sure there are other people like me who want to pay, but the company simply will not listen to our needs.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Debt collection (Credit card) with Northern Alliance Management, LLC (MS).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I received a message from a family member that XXXX associates were trying to get a hold of me. I called the company with the correct case # and the gentlemen ( who did not provide his name ) asked if I was me by name and I said yes. I asked for the company name and he provided then started to go into details of a debt that I am unsure of without letting me know it was a debt collection call. I asked for info to be mailed to me at my address on file. He started to get hostile and claimed I have already received notices and kept trying to verify personal information. I claimed I have not received any notices and he asked why have n't I been paying my bills then. I told him I do n't have an account from the company they claim is the original creditor and to send me proof by mail. He kept trying to get me to verify personal information and I told him I am not verifying any personal information on the phone and he hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Debt collection (Federal student loan debt) with GREAT LAKES (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I DENY I owe XXXX XXXX XXXX for this alleged debt. Please see attachment that explains my position. My response to XXXX XXXX XXXX was sent Registered Mail on XX/XX/2018.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Experian report # XXXX date XX/XX/XXXX. Dear Sir or Madam : The sole purpose of this letter is to have Experian remove inaccurate information disputed now 3 different times on my Experian credit report. 
On XX/XX/XXXX I sent a dispute letter to Experian asking them to remove an inaccurate account for a company called XXXX ( XXXX ) appearing on my report. I initially disputed the information with XXXX requesting debt validation to include the alleged balance and calculation, proof that the account is correct, documents showing that I agreed to pay this debt and agreement that grants authority to collect this debt. To date, I have not received this from them. The company in question XXXX, has been unable to provide me with validation. I received a response from Experian on XX/XX/XXXX regarding this dispute stating that the account was updated and not removed. I then called and spoke to a customer service agent XXXX on XX/XX/XXXX who then initiated a new dispute that would take 30 more days. The company responded to Experian on XX/XX/XXXX, with no validation and is currently reporting inaccurate name information in my report. This is inaccurate information and therefore ; according too the law should be deleted from my report because it is reporting inaccurately. I spoke to another customer service agent XXXX at Experian on XX/XX/XXXX and she initiated another 30 day dispute for the inaccurately reporting information. I should not have to wait another 30 days for removal of this account on my report. I am asking for removal of this account from my credit report immediately as I have waited beyond 30 days for the solution per the FCRA that states inaccurate information should be deleted. 

Sincerely, 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 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with United Student Aid (USA) Funds (FL).
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 have student loans and they were defaulted because of a   XXXX   XXXX   I was in. My family and I were   XXXX   XXXX   XXXX   XXXX   XXXX  , resulting in a   XXXX   of a family member.     Upon getting my life back together, I completed the rehabilitation program and paid 9 consecutive payments on time for 9 months. As a result, these loans are suppose to be reported on my credit as back in good standing and remove the negative marks. There are  XXXX  loans that have yet to be cleared from my credit as promised. And these are reported by different servicing agencies because they sell them and pass them around so it looks like there are more loans than there actually is and my negative accounts number are 3 times as many I have called for months and never able to get answers or someone to help me. I will do whatever it takes to get this done. I have completed the program and this business did not do as they stated. it is a scam.     I will be consulting an attorney and reaching out to media outlets if this is not fixed..

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Debt collection (Payday loan) with Integrated Recovery Services (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX called my sister told her " if I did not contact him that my job will be in jeopardy. ' I contacted XXXX asked why he was communicating my debt with persons other myself. he proceeded to threaten me by telling me he will put a lien on my mortgage and vehicles. He also stated that he will contact my boss to make sure he knew about the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
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: To Whom It May Concern : This letter is to request the removal of the FRAUD ALERT on my personal credit report. My identification I have include my copy of my ID and current address : XXXX XXXX XXXX , XXXX, OH XXXX. XXXXMY CURRENT WORK INFORMATION IS : XXXX XXXX / XXXX XXXX XXXX XXXX XXXX I never made a request to put a fraud alert on my credit report please delete or remove that from my profile status ASAP!

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 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX is reporting to Experian that they are currently collecting a government claim on my student loan, when in fact, my loan is current and currently being serviced by XXXX XXXX. 

I am unclear why the amounts of my original amount of approximately XXXX and XXXX each ( about XXXX in total ) now totals over {$30000.00}. Formerly XXXX XXXX has reported a total of the XXXX loans which i consolidate and are now XXXX at XXXX XXXX. 

I need this removed from my credit report because it is not accurate and s hindering my potential mortgage.

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 10/21/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had credit card debt roughly {$3000.00}. My debt had been transferred to Portfolio Recovery Associates ( PRA ). My debt attorney settled the case for {$400.00}. I have made XXXX installment payments of {$100.00} totaling {$400.00} to account # ... XXXX XXXX BANK. I was hoping I had resolved this account with my full payment. 
However, the last payment was misapplied to the incorrect account # ... XXXX XXXX XXXX XXXX BANK, which was another debt with PRA which I have and contesting. 
Therefore, leaving me at {$300.00} paid, and the other {$100.00} misapplied. 
I 've continuously called, emailed, sent bank documentation providing payments and receipt. I 've also involved my lawyer hoping to resolve the case. Unfortunately, they have not contacted my lawyer back. My lawyer notified me to " file a complaint with The Consumer Financial Protection Bureau. They have previously sanctioned Portfolio for bad faith collection conduct. '' Therefore, I am contacting you and can provide more detail at your request.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
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 have been battling to fix my credit report, after someone used my identity to open up accounts under my name. I have been battling with all there credit companys to remove accounts, and improper information on my credit report, and or, late payments that I clearly have shown to all there credit reports over and, over again since XX/XX/XXXX. Also there is incorrect address 's, and incorrect hire date for my job, and it is not being taken care of. I have credit inquires that are still being ran in my name, after I sent told each credit company I been a victim of Identity theft, and sent a police report, and Identity theft report, but still I have over 16 credit inquires not done by me, that Transunion XXXX XXXX  will not remove. Mt student loans on all accounts have never been 90 day late or late ever. They have been in admin forbearance, and are due to be discharged. However when I was given a letter by XXXX stating that my loans have never been late I sent this to all there credit companys, and they will not remove the late payments from my record. As of today XX/XX/XXXX my credit report still shows late payments, and 16 inquires, and incorrect information 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 01/22/2018 about Payday loan, title loan, or personal loan (Installment loan) with Marlette Funding, LLC (MD).
Issue: Problem with additional add-on products or services

Complaint: have already started investigation into this company, wish to add more information to assist you in helping me. 

XXXX about MARLETTE FUNDING , LLC - also XXXX XXXX XXXX ) XXXX-XXXX XXXX XXXX 4 years in business Headquarters XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX See More Contact Options BBB File Opened : XX/XX/XXXX Business Started : XX/XX/XXXX Business Incorporated : XX/XX/XXXX in DE Type of Entity XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, Chief Operating Officer XXXX XXXX XXXX, CEO XXXX XXXX XXXX, Director of Operations XXXX XXXX XXXX, Chief Marketing Officer Business Category Consumer Finance Companies See More Business Categories Service Area We service the following area ( s ) : Delaware Alternate Business Names Marlette Funding , LLC See More Business Information BBB Reason for Ratings BBB rating is based on 13 factors : Get the details about the factors considered. 

BBB Reports On Licensing Advertising Review Government Actions Out of Business Misuse of Better Business Bureau Name/Logo Bankruptcy Mail Returned BBB accredited business XXXX XXXX  BBB ACCREDITATION SINCE XX/XX/XXXX A+ BBB Rating System Overview Customer Review Rating : 87 % 11 % [ 946 ] Positive Reviews [ 23 ] Neutral Reviews [ 118 ] Negative Reviews [ 1,087 ]  Total Customer Reviews [ 149 ] Total Customer Complaints Composite Score : XXXX XXXX has received 4.84 out of 5 stars based on 1,087 Customer Reviews and a BBB Rating of A+. 
Share your experience XXXX XXXXXXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was informed via recorded phone call that if I paid {$20.00} a month until entire balance was paid, my credit would not be affected.

Company response to consumer: Closed with explanation