milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/28/2015 about Mortgage (Conventional fixed mortgage) with ONEMAIN FINANCIAL HOLDINGS, LLC. (TN).
Issue: Settlement process and costs

Complaint: This is supporting information just received to support my dispute of Springleaf Financial 's response to complaint Case # XXXX. 
Springleaf stated that they spoke to XXXX Mortgage about my loan and I was in foreclosure status ( which I was NOT ) : Please see paragraphs XXXX and XXXX on letter from XXXX XXXX that say their records do not indicate that I authorized any third parties to receive information for my loan ( paragraph XXXX ) and XXXX 's records do not indicate that they released any information to Springleaf before or after XXXX received payoff funds on XXXX XXXX, 2012. They ( XXXX ) goes on to state that the payoff funds were received in the form of a bank wire sent to XXXX by Springleaf " on my behalf '' ( Paragraph XXXX ) Also, the Payoff Letter cover letter ( from XXXX XXXX of XXXX ) shows that the payoff letter was faxed to my attention, but FAXED TO SPRINGLEAF 's FAX NUMBER. 
This supporting information should refute the statements made by Springleaf in their response to my complaint and show that my complaint is indeed valid.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (NY).
Issue: Fraud or scam

Complaint: On  XX/XX/XXXX , I received a statement from   XXXX   XXXX   XXXX   ( Contract # :  XXXX  ) stating they transferred {$87000.00} to a Chase Account in my name. This transfer was never authorized by me.
I went to a Chase branch in  XXXX , NY, on  XX/XX/XXXX . There I reported this fraud to   XXXX   XXXX  , a chase representative. He told me a Chase account ending in   XXXX    was opened at a different branch by someone claiming to be me. He did so without a social security number and some falsified identification.
Once the money was transferred into the bogus Chase account, it was then wired to a   XXXX   XXXX   account ( which I do not have ).
<P/>
I have also reported the theft to the   XXXX   County police department ( case # : XXXX  ). I spoke with Detective  XXXX , who told me he must have had the wrong number so he could n't contact me.
<P/>
I have contacted   XXXX   XXXX   since then, who told me to contact the Fraud department, which I did on  XX/XX/XXXX . I was told it was in their investigative department. They also asked me to fill out more forms, which I did.
I still have no answer from them on this. Considering I have several Chase Accounts, there was no cross checking done when this bogus account was opened.I was told also the person who opened this account was much younger than someone like myself who was born in  XXXX . I do n't feel that Chase did their due diligence, and I am due a refund of all moneys immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Debt collection (Medical) with FMA Alliance, Ltd. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Contacted another individual about a debt that they say I owe. Never have they send me a written verification of who they are, who the debt belongs to. They openly shared my name, DOB, and medical facility that I went to.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Trouble during payment process

Complaint: XX/XX/XXXX   XXXX   XXXX    Requested a " Stop Junction '' from Ocwen Mtg. Selling my home on the court house steps. After illegally FORECLOSING!!!
Judge award  ed   XXXX   XXXX   .from pri nciple, {$47000.00} from areages & REPAIR CREDIT, of which they NEVER DID.   Come  XX/XX/XXXX , They IllegalLY FORECLOSED ONCE AGAIN!!!   CAUSING HAVOC ON MY SM. BUSINE SS ; ( OCWEN ADDED A SERVICING FEE, OF OVER {$9000.00} WHICH GREW TO {$18.00}. THAT IS WHEN THEY TOLD ME TO " PAY OR QUIT ''. AFTER 6 YRS. HAVING SHOWN PROOF OF 12  payment 's, GOING BACK FROM  XX/XX/XXXX , ONLY   HAVING PROVED them to have been notarized, front & Back, THAT THIS MT   G. FIRM, Ocwen HAD BEEN EMBEZZLING my HOUSE PAYMENT 'S!!! NEVER HAD I BEEN GIVEN CREDIT. THEY CONTINUOUSLY ASK FOR PROOF OF PAYMENT FROM PREVIOUS MONTHS. MY     BUSINESS    NOW, OVER 20YRS, WHICH I
  XXXX   XXXX   OWN & OPERATE   HAVE SUFFERED IMMENSELY : ( NOT MENTIONING MY HEALTH IS NOW   FAILING DUE TO   XXXX  !!! I 've CONTEMPLATED SERIOUS ACT 'S ONLY HAVING REALIZED, THIS PLACE IS TEMPORARY!

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 01-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: XXXX just now has notified me of a drop in my credit score due to a hard inquiry by XXXX on XX/XX/2016. I have not requested a credit card, or an increase in credit on my existing card, and there are no late payments associated with this card. This hard inquiry needs to be taken off of my credit report and credit score needs to be restored.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-03-2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Every year I request my credit report from Experian and I never receive it unless I 'm willing to upload my personal information since they already have my name, birth date and social security number and I was permitted/ verified to log on to the system but once I 'm logged on I 'm told I need to upload my information again. I am entitled to a free report every year from them and it never happens. The other XXXX reporting agencies have sent me one but not Experian. I have reported this issue to you before this is real problem. I have a credit freeze for all credit reporting agencies. I do not want to buy my score or monitoring of my credit from Experian. My report from Experian is supposed to be free yearly. All I want this credit reporting agency to do is honor my yearly request that not too much to ask.

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 07/14/2015 about Credit card () with Consumer Defense Group, LLC (CA).
Issue: Privacy

Complaint: I was called by the telemarketer who had my name, address, and telephone number, and the last four digits of my XXXX XXXX number. The company is Consumer Defense Group in XXXX Florida. I asked how they acquired my personal information. They claimed that I had asked the company to help me reduce my credit card rates. I know this to be patently untrue. I am very careful with my credit, I pay all charges at the end of the month and carry no balance. I would have no reason to try to reduce my XXXX XXXX credit card rate, nor any other existing consumer credit rate. I asked the company to disclose who provided them with my contact information and account number. At first they tried to imply it was XXXX XXXX, when I challenged this, they said they did n't know. At this point XXXX XXXX, a manager, got on the phone and tried to assure me that everything was legal. I asked him why they would not provide the source of my personal information. He refused. He told me he had an A+ rating at the Better Business Bureau and that he was an up and up business. I challenge that assessment, as his telemarketing call was in violation of federal do not call laws and that his refusal to give me the information about his source of my private financial data was a great cause of concern to me. At this point, he said have a great day and hung up. The phone number they used to contact me is area code XXXX. While this company puts up the veneer of respectability, one has to be concerned that at some point they may be using private personal information unethically. I make this assertion on the basis that it appears they 're violating federal telemarketing laws, and they may be inappropriately receiving personal financial data. It is not a big logical leap to worry that their ethics may be compromised.

Company response to consumer: Untimely response
Consumer complaint received 09-09-2015 about Bank account or service (Other bank product/service) with Comerica (OR).
Issue: Using a debit or ATM card

Complaint: I had my directexpress card stolen and reported it within XXXX hour and closed it. I made a police report that same day then found out were it was stolen. I went to the minimart and talked to the manager and watched the tape of some woman stilling it..I then made several calls to the bank to resolve the issue. XXXX month later I finally received there form and sent it back. Two weeks ago I received a letter from them stating that they could not confirm that fraud occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Mortgage (FHA mortgage) with Seterus, Inc. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: Back in XXXX 2015, I got in contact with a XXXX XXXX XXXX from XXXX XXXX XXXX. We went through information on stopping my foreclosure. I was told to pay {$3000.00} and they could get my foreclosure turned around. I was told not to contact my mortgage lender at the time Seterus and that XXXX XXXX XXXX will handle the proceedings from there. I then received a letter in XXXX that my property had been foreclosed on. I spoke with XXXX XXXX ( XXXX ) from who works for a Realty company. I filed a complain with XXXX and they said they they would review the matter and get back to me. When I email them I just receive a generic email back. I 'm writing to ask what I can do about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Debt collection (I do not know) with Patenaude & Felix APC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: The law offices keep contacting me for another person. I have told them repeatedly that I am the holder and owner of this phone and to not contact me or this person on my telephone. They have ignored this request and continued to contact me. 

Law Offices of .. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: I Have been trying get the credit bureau 's to correct my information to be accurate and they have not resolved this issue and keep telling me to address with company 's I know nothing about and the company is reporting address from other peoples residence and their accounts

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AK).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax divulged my information without my consent via the recent data breach. This has made my personal identifiable information, including but not limited to my SSN, my date of birth, and my credit card information, essentially public information.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Over two month ago, I sent a letter to Equifax, asking them to investigate errors on my credit report. To date, I have received no return correspondence from Equifax. They are supposed to respond within 30 days, and it has been more than 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MIDCOUNTRY FINANCIAL CORP (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In XXXX of 2017 i was notified by a XXXX XXXX a loan company out of XXXX XXXX. They where calling my family members Harassing them before I was notified. I told them the account was not mine. And they still refused my claim after I filed a identy theft report and submitted all the identy theft stuff to them.They said there was payments made on the account and they said it was with a check I signed but I also had bank fraud and I told them that but they still refused so they are suing me in court on XXXX the XXXX for the amount of XXXX. And will do nothing to try and help me fix the problem other than just say it's my debt. My accounts and checks where stolen from the XXXX XXXX XXXX there was several with draws taken out and also drained our savings account.

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 01/30/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: This is a continuation of my most recent complaint I just made this evening as well as Responding to XXXX Letters in regards to my last complaint. 

Now please mind you it's been two years since I last had a complaint. Things were going well, and I was just making my payments. 

XXXX can not leave well enough alone and has to find a way to put a wrench into the gear and create problems. Funny how they have to use a forbearance ploy to up my interest which is another lie, as I was told by their reps that only once a year in XXXX was I to see any increase. 

The plan once again, that I am under is a XXXX XXXX XXXX plan. NOT an extended level plan they speak of. 

Fixed means fixed that is the standard banking term, period. 

I would also like to address my " vulgar and abusive language. '' First of all, I do not work for your company, therefore my behavior can not be construed as " unprofessional, '' Second of all, your employee XXXX # XXXX blatantly lied to my face and said the Department of Education placed my account in Forbearance because I live in a " Disaster Zone. '' Really? And what disaster zone would that be?? 

She could not tell me. 

Your reps with their lies, your ploys to increase monthly payments, toy with those under your thumb, lead to anger and hostility because one can not believe the pile of XXXX that comes out of your representatives mouths. So to the Director of Loan Operations. 

Please cease and desist with your utter lies, and extremely Decitful UNPROFESSIONAL BEHAVIOR and perhaps people and myself would actually have more respect!!! 

You have placed me under such mental anguish that once I receive a letter from you it automatically sends me into a mental tailspin. I am surprised I have not yet had a XXXX XXXX and if I ever do, you will be the cause. 

You treat me with respect then the same will be reciprocated. Otherwise back off. You understand. 

You make any changes to my account without my consent and I will be on you like flypaper. And if you think I am one inkling afraid of you. Guess again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-11-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Hello, I need assistance with my private student loans. I do not understand how they can be charging me so much and increasing my interest rate without my knowledge. I graduated from college in 2012. I borrowed from XXXX XXXX ( now Navient ) a total of {$30000.00}. To date, I have paid {$21000.00}. My current balance is showing as XXXX. I do not understand how I can owe so much money. My balance seems to never decrease even though I make regular payments. I do n't know that I am ever going to pay off these loans. I recently started trying to increase my payments to try to pay down my debt faster. As soon as I began increasing, XXXX XXXX increased my interest rates and the amount I owe has increased. This is not fair. I try to call but I am never able to get in touch with anyone. I need help. I do not want to default on my loans but I am afraid that will be my only option. I can not continue to make outrageous payments and not be able to decrease my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Account opening, closing, or management

Complaint: Someone used my personal information to open a checking account with Bank of America, and Bank of America is now holding me responsible for {$80.00} in bounced check fees. They have refused to resolve this with me, I have tried calling in to their fraud department various time, only to be told the only way to handle this is in person at a branch. I have gone to a branch only to be told that they are holding me responsible because they believe the charges are consistent. Consistent with what? This is not my account.

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 04-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I have been dealing with Bayview loan servicing for a year now, and its been a headache. I had always made my payments on time and I always tried to catch up if I ever fell behind, but there is are situations that you have no control of. Before my loan getting sold to Bayview I had XXXX mortgage, they informed me that I had an escrow shortage and they were informing me that it had gone up {$7000.00}. How is this possible? Due to this going up higher, my mortgage payment went up higher and and I was unable to make the payments. I was paying {$1000.00} for my mortgage payment and they brought my mortgage payment up to {$1700.00}. I was never behind on my mortgage payment, and the taxes and insurance were escrowed with my payment. How can I fall behind? With Bayview I applied for a modification and they denied me saying that the delinquency was high and with the calculations they made they said that I had equity, but I dont have equity my home is underwater. I asked for a BPO and they did it but the person that went to do the appraisal didnt take in consideration the damaged roof, floor and windows. It was not a professional appraisal, he said he was there just to take pictures. When I asked Bayview to send over information on the recent appraisal of my property, they have not sent anything and its been more than a month. I was told over the phone that I was not eligible for the XXXX XXXX XXXX which includes principle forgiveness because I have {$4000.00} worth of equity. This is not true. i owe almost {$290000.00}. Before the appraisal they did on my property that I still dont know information about, my home according to them was worth {$240000.00}. I paid for an independent BPO and my property estimated value without taking the work needed on it in consideration is {$210000.00}. I need help and they are not giving me information.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Student loan (Non-federal student loan) with AES/PHEAA (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am making payments twice the amount owed every month and the amount deducted decreases my loan a few dollars. I am concerned that this loan will never be payed-off.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Debt collection (Medical debt) with OPTIMUM OUTCOMES, INC. (WI).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I received a voicemail on XX/XX/XXXX. When I called the number back a gentleman who was very helpful answered, explained it was a medical debt and that they sent a statement on XX/XX/XXXX. I said once I received it I would verify it against my payments. I received another call today from a lady ( who insisted I called her, I believe it was a robo-call the call came in at XXXX on XX/XX/XXXX ). When I first answered the call it stating to stay on hold for a rep so I did. She picked up and just asked for my name and phone number. I did give her a first name and phone number. I asked what this was regarding and she said without your information I ca n't tell you. I asked her to understand how receiving a call and then being asked for your information may seem weird. At this point she did have my phone number and first name she could have at least stated it was a debt. Instead of working with me she just hung up. In order to determine what it was for and refer it to the first message I had to google search the number. Now it is XX/XX/XXXX, about half way through ( if not more depending on when they started the action ) for my 30 day appeal or pay and I still have not received a statement to either prove payment or make the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2016 about Debt collection (Non-federal student loan) with AES/PHEAA (IL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: American Education continues to contact me even though I no longer wish to deal with them, they have threatened wage garnishment against me even though I am not being sued, I checked with my local casenet and no pending lawsuits against me. They are a scam because their supervisors do not know anything, XXXX XXXX claimed to the Illinois Attorney General that I gave them my mother 's phone number as a way to contact me when that 's not true. A 3rd party company named XXXX changed the phone numbers because they admitted it to my attorney because a FDCPA case was settled with me. I would never given my mother 's phone number to contact me because that is not a way to contact me. I have advised them not to call me but they claim per my promissory note that I agreed to it, I do not have a written contract with then I can go online to make payments. Also, I need the credit mark removed from my credit because my bank did not pay the {$25.00} on XXXX/XXXX/16 due to a system glitch in the system therefore this is not my mom 's fault or mine for that matter. I have a letter from my bank explaining that information. American Education Services uses legal action to scare people but I will have an attorney as of Monday, therefore no more contact with me because it will be illegal to contact me since I will have an attorney on Monday. I will not make anymore contact with them. Now I recieved a letter from them claiming a name issue, I have not changed my name at all so I think this is a ploy.

Company response to consumer: Closed with explanation