milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: call to speak with a representative regarding inaccurate information on my report and I was treated like an animal, I was placed on hold for  20 min or more and when some one did answer I was hung up on. there is information on my report that i feel is wrong, there is no account numbers, no payment history and it is still stating that the account is open and they appear to continue updating this information with a balance of {$710.00} I do not owe money to   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 08-07-2015 about Debt collection (Medical) with ARC Management Group, LLC (DC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On numerous occasions, I have received repeated, nearly back to back phone calls from this number. When I answer, no one is there, I hang up, the number calls again, and again.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen survices my Mortgage Loan and they have the worse customer service I have ever seen. I have had my loan on automatic payment since I have had my loan and last year I a got a past due notice that I had not paid my payment. after many hours of trying to get someone & answers they finally discovered that they had just deleted the ACH from my loan. I finally got that resolved and then on my statement a {$5.00} charge showed up for something I did not request. that was never resolved. and now yester day I got a late notice for my payment and when I looked it up on their system this payment was credited to my account with them on XX/XX/2016! I also discovered that the amount I prepay them with that payment is held until the XXXX of the month and applied. that is just wrong! I have been in banking for 25 years and we apply any extra amount immediately. I have been calling for 2 days and have yet to get anyone. also if you just call the customer service number you get someone in XXXX, XXXX, or the XXXX and all you get is their standard responses. THIS IS NOT RIGHT! I have looked into refinancing just to get my loan away from them but why should I have to pay closing cost again because they ca n't or want handle business properly! I paid closing a few years ago to get it away from XXXX XXXX and this is not right!!!!!!!!!!! I had not choice about my loan being taken over by someone else and winding up with these horrible, incompetent people handling!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
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: the company is trying to collect on a debt that is related to a repossession that occurred sometime in   XXXX  . As I am sure you are aware, Virginia contains statutes of limitations for written instruments including debts. The time period to collect this debt has passed.   Please remove the debt as collectible.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint: Experian.com did not properly inform me that I was subscribing to their {$21.00} monthly membership. I checked my credit report for {$1.00}, as advertised, and before I knew it, I had been signed up to this service without my consent. I knew because my bank account had been charged. I was charged on  XXXX   XXXX   2017 . I tried getting a refund as soon as I realized I was charged but I was told it was impossible because I apparently had agreed to this charge.

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 12/19/2017 about Vehicle loan or lease (Loan) with COMMERCE BANK (MO).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: I bought a new XXXX XXXX XXXX on XXXX/XXXX/XXXX and got a loan for about half the value of the car from Commerce Bank. When I went to add the new car to my insurance, the quote I got from my current insurance agency was too high so I switched insurance carriers and that took about a month - I had my new coverage established on XXXX/XXXX/XXXX. Commerce Bank is now insisting that I show proof of insurance cover from XXXX to XXXX or they are going to charge me a XXXX premium of {$220.00}. I understand their need to protect the collateral for this loan but those dates are in the past - I did n't have any accidents or incidents so I 'm not sure why they think they have a right to charge me retroactively just because I can not produce proof of insurance after switching carriers. I am just going to pay off this loan and be done with Commerce Bank because they XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (AZ).
Issue: Problems caused by my funds being low

Complaint: Dear XXXX On the morning of XXXX XXXX, 2015 I got in my e-mail box an alert from my bank JP Morgan Chase that my account was overdrawn by {$41.00}. I was waiting for a transfer from a retirement account to my other bank account at XXXX XXXX XXXX. This transfer was available to me only at about XXXX or XXXX in the afternoon as on my XXXX minutes break from work, I rushed to check again. I had gone during lunchtime to a XXXX XXXX XXXX branch to check if that transfer was available. It was not. Therefore, I was unable to rush, at about XXXX or XXXX on a short break to go make a deposit to JP Morgan Chase. It against work policies to leave the immediate locations of work place. Off of that first job, I went to my newly found second job and did not get off until XXXX. On my way bank, I stopped at the branch of JP Morgan where I bank to make a deposit of {$260.00}. But before doing this, I asked the ATM machine for a statement which read : " Available balance - {$41.00} ''. I then made the deposit and mentioned above and got also a receipt for it. To my biggest surprise, I received, yesterday, on XXXX XXXX, an alert from Chase which was confusing to me, stating that " There was insufficient funds to complete the deposit ''. Alarmed by this message, I went online to check the status of my account and was dumbfounded to XXXX that Chase charged me a {$34.00} fees for those {$41.00}. I found this abusive and this is not the first time I had this sentiment about the fees Chase charged me for overdraft. I readily accept some of the fees, some I contest but this latest is XXXX of the most unfair, outrageous that Chase charged me and that I would like to review and ask Chase for its reason for doing so as it also charged me fees, still, whereas, I transferred money from a saving account fees that I have with the same bank to a checking account. 
I would like a review of all the fees Chase has been charging me since I bank with it and a refund for those fees that have been charged abusively and any other action your agency deems appropriate. 
I thank you for your time and attention. 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/18/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Trouble during payment process

Complaint: WF changed my payment dates from every paycheck to 2 times a month. This was not supposed to have happened. This caused me XXXX dollars in fees, late charges, insufficient fund charges, deposits on both my phone and electricity bills, and other issues because they took money out on the wrong dates. I am in need of the 30 days late notice taken off of my account. XXXX has seen the information and has taken it off of their website due to the 6 months of mistakes that WF made causing me enormous financial hardships that snowballed into causing me financial harm, and being late making payments. 

Please fix this.

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 05-03-2017 about Debt collection (Mortgage debt) with NATIONSTAR MORTGAGE (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX   XXXX   XXXX   XXXX    thr ough its servicer Nationstar Mortgage is continuing to collect a debt that is not owed on a mortgage that the  State Court ha s ruled is not enforceable.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XXXX17- I went to chase bank and made a atm cash deposit of {$500.00} dollars all in 20 dollar bills. While processing my transaction the atm machine shut down and stated " this device has experienced a technical problem ''. To confirm that your last request was completed properly, please visit chase branch or call us toll free XXXX The atm printed this slip of transaction which has the date, time, AID # Term Id # chase bank address card account number I called customer service immediately to report the problem they stated a case would be opened and they asked for all specific information on the atm receipt, DATE, TIME, ACCOUNT NUMBER, term id # they advised it would take 10-15 days to investigate although they would give me a provisional credit. 
I never heard back until yesterday XXXX/XXXX/17 as they now charged back my account {$500.00}. I called customer service number to inquiry on chargeback and they stated the deposit was not found and therefore they charged back my account. No overage money was found. 
The atm has a camera which they can review- the atm receipt has a transaction number /sequence number so how can my money just disappear. Now they are opening a 2nd investigation which can take up to an additional 15 days which is ridiculous that I have been inconvenienced and now 30 days later wait to wait for them to reinvestigate again. The atm machine is their responsibility and the bank has now put me in financial difficulty by taking funds out of my account due to their atm malfunction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-09-2017 about Debt collection (Federal student loan debt) with United Student Aid (USA) Funds (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I guess I 'd better get this in before you 're gone ....   A person with a similar name,  XXXX   XXXX   XXXX ,  XXXX  has  XXXX   XXXX  debt that has been in collections for years. About 5 years ago, my address became tied to his name. Not only  XXXX , but the  SSA ass umes I 'm him. Because this debt is so old, ( and never dies ), the paper on it is spread far and wide. As a result, I receive multiple calls each day from various deb t collectors tryin g to get {$250000.00} out me. The  SSA/Treasury Dept.  even sends me regular notices informing me that " my '' check is being garnished ( For all this hassle, it would be nice to get what 's left ). Of course, they must be sending the actual checks to a bank that has his address or to his home.   I of course have made multiple calls to all of the relevant agencies to get this straightened out. The reason I do n't get anywhere  is simple-CATCH-22.  They wo n't help me because I 'm not him, and only he can interact with them on this account. I have insisted on talking to supervisors, begged, etc to no avail. Once a supervisor at Treasury said the most they could do was put me a do not mail list. Not so much.   You might ask why I do n't just tell the debt  collectors that I ' m not that guy. I used to, but the paper is just resold almost immedia tely. Anecdote : on  e interaction  about 3 years ago, I had a supervisor in debt collection office and told him I would n't give him my social because they would just sell the paper right away. He said just a sec, looked up something, and said " I think you 'll get a couple months ''.   Two weeks later I was being hounded again.
Can you help? ( I 'm begging again ) I 'm sending pdfs that have the relevant info on them

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a case already opened by CFPB ( XXXX ) Recently I received a Mortgage Account Statement from Ocwen that was rather Disturbing. 
Ocwen indicated that my original loan amount was {$900000.00}. This amount is completely inaccurate. I have emailed and fax a qualified Written Request ( QWR ) asking Ocwen to send me the original deed of trust and note that i have signed when i bought my house back in XXXX 2007. A XXXX has gone by and absolutely no respond from Ocwen. I have called to followup and every time after being on hold for a very long time somehow the phone gets discounted. what should i do now?

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2015 about Consumer Loan (Vehicle loan) with CONDOR CAPITAL CORP (CT).
Issue: Managing the loan or lease

Complaint: I had a car loan with Condor Capital Corp since 2012. Occasionally I paid my loan late but I was never late more than one month. By court order Condor Capital has been dissolved and my loan ended up in hands of ... That the problem. I do n't know who my current lender is. Condor 's website redirects me to blank, generic log in info. When I log in with my previous credentials I see my personal information but under account information there always is message : '' No accounts available to view ''. 
I repeatedly send emails to contact info and made multiple phone calls ( XXXX ) always answered by voicemail. Except XXXX generic response via email, none of my request was answered, including multiple requests for payoff statement. I mailed XXXX payment to XXXX XXXX XXXX under " Contact Us '' info ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ). My check was cashed within 4 days of mailing form XXXX. There was no endorsement on the back and still no response regarding any statement, balance, account information. 
I really do n't know what to do at this point. I have no problem with paying for my car but since Condor Capital was shut down for defrauding its customers, I refuse to make any further payments without being able to oversee that the payments are being applied correctly and my balance is where it should after 3 years of payments. 
I would really appreciate your advice and help in this matter.

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 07/13/2017 about Debt collection (I do not know) with I.Q. DATA INTERNATIONAL, INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I started seeing collection accounts on my credit about 3 years ago from  XXXX   XXXX . I kept calling asking who they were and demanding they remove themselves from my reports. They refused and then sold the debt to a collection company. I 've seen them on my credit and tried to dispute with them but they refuse to provide a mailing address. I have a police report detailing the identity theft I 've suffered since   XXXX   and have had other fraudulent accounts closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with North Shore Agency, LLC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received an enclosed statement from North Shore Agency with the amount of {$72.00} for a XXXX " transaction '' to my work address. I have not shipped nor sent packages to my work address, or have even sent a package in more than a year. Additionally, the address and my name was incomplete, and was not received until more than a month later. The invoice is incomplete and does not itemize " transactions '' nor is there a phone number in which I can reach NORTH SHORE AGENCY.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Mortgage (Conventional fixed mortgage) with Podium Mortgage Capital LLC (AZ).
Issue: Application, originator, mortgage broker

Complaint: The lender I was going through pulled my credit to start the process. Then again 3 months later due to them dragging their feet on closing, then again 2 days later only to deny my loan due to me being a contract worker. That fact was disclosed to them in the application. I had to supply them with letters of good standing in my company. Sign and send numerous copies of full disclosure, bank account records, payoff statements, taxes for 4 years. All of which they asked for over and over again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Debt collection (I do not know) with D. SCOTT CARRUTHERS (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Unknown account appeared on my XXXX credit report XXXX of XXXX under the name of XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX, CA XXXX - ( XXXX ) XXXX, claiming a balance is due of {$870.00}. Several members of my family have received phone calls at all hours of the day from various numbers claiming a lawsuit has been filed XXXX times a day, even after being asked to be remove their number. The numbers are randomly generated and you can not contact them back. Mountain Lion Acquisition is the same company as XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX, CA XXXX. My elderly father received a phone call informing him that someone would be coming to his home address to serve him papers and that he needed to be present to sign. The caller informed him that an amount of {$3400.00} is due and that the amount would increase upon court fees. I received a letter that stated they wanted my report with an emphasis on employment status and lawsuit worthiness from XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX, CA XXXX. I have never received validation and have filed complaints on XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX, CA and have never heard back. Now they are reporting incorrect information to XXXX to damage my credit report. Violation under the Fair Credit Reporting Act ( FCRA )

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 02-12-2018 about Debt collection (I do not know) with Concord Servicing Corporation (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: On XX/XX/XXXX I checked my credit report because and I saw that my score had dropped and noticed that I had a collection debt added to my report for an unpaid account form XXXX XXXX, XXXX. XXXX XXXX, XXXX, AZ in the amount of {$3200.00}. On XX/XX/XXXX, I received a letter from XXXX XXXX, see the original amount on letter {$2000.00}, at which time I informed them that I do not owe this debt and that this is the first time I that I learned of this debt from the XXXX XXXX XXXX XXXX! I learned that they have purchased the unpaid maintenance fees from the Timeshare - The XXXX XXXX  XXXX XXXXXXXX  XXXX XXXX, on XX/XX/XXXX and placed me in collections on the same date. The original contract with the XXXX XXXX  XXXX XXXX was paid in full on XX/XX/XXXX. I started the proceedings to file chapter XXXX on XX/XX/XXXX and was discharged in XX/XX/XXXX at which time I did not reaffirm the XXXX XXXX XXXX Timeshare which would have discharged me from all obligations to the XXXX XXXX  XXXX XXXXXXXX  XXXX, XXXX. I obtained the phone number and tried contacting XXXX XXXX again, and left messages and no one has called or contacted me. I contacted XXXX and XXXX to report this and filled a dispute against this creditor on XX/XX/XXXX. On XX/XX/XXXX, I received an answer from XXXX stating that they contacted the creditor and the collection will stay on my report, they will not remove it. I would like some help removing me from collections and have this creditor not do this to me again and also, removing this negative account reported 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 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: THROUGH THE MONTHS OF XX/XX/XXXX-XX/XX/XXXX.IVE VIEWED MY CREDIT REPORT AND DISCOVERED MULTIPLE ADVERSE ACCOUNTS ( COLLECTIONS ) THAT DID NOT BELONG TO ME.ALL ADVERSE ACCOUNTS HAVE MISSING INFORMATION, DIFFRENT REPORTED DATES, AND INCOMPLETE.IVE DISPUTED THE ADVERSE ACCOUNTS MULTIPLE TIMES WITH ALL THREE CREDIT BUREAU 'S WITH NO SUCCESS. ( XXXX, XXXX, EXPERIAN ) .IVE ALSO REQUESTED PHYSICAL PROOF OF SUCH ACCOUNTS WITH NO SUCCESS.ACCORDING TO THE FCRA, THEY MUST PROVIDE ME PHYSICAL PROOF OF ACCOUNTS BEING DISPUTED, AS WELL AS THE ORIGINAL-SIGNED CONSUMER CONTRACT IN WITCH THE BUREAUS HAVE FAILED TO DO.IVE ALSO HAD ONE ACCOUNT REMOVED THEN RE-INSERTED WITH NO NOTICE.ALSO THEY HAVE 5 DAYS TO NOTIFY ME OF A RE-INSERTION AND DID NOT, BECAUSE OF THIS IT HAS BEEN VERY HARD OBTAIN CREDIT.SINCE THEN IVE RECIEVED MULTIPLE HARRASSING CALLS FROM DIFFRENT CREDITORS THREATNING PUNISHMENT. 

OPEN DATE-XX/XX/XXXX-AMOUNT {$350.00} OPEN DATE-XX/XX/XXXX-AMOUNT {$610.00} OPEN DATE-XX/XX/XXXX-AMOUNT $ XXXX- ( RE-INSERTED )

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 03/20/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: EXPERIAN IS REPORTING A COLLECTION ACCOUNT FROM XXXX XXXX. THAT WAS DISCHARGED AND INCLUDED IN CHAPTER XXXX BANKRUPTCY. THEY HAVE INSERTED THIS ACCOUNT AS A NEW COLLECTION, HOWEVER, IT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation