milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-02-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (OR).
Issue: Loan servicing, payments, escrow account

Complaint: OVERVIEW : Ocwen Loan Servicing LLC failed to fully refund an over-payment on my home. The refund check was short by {$460.00}. 

FACTS : 1. Ocwen had serviced my home mortgage until I closed on the sale of my home on XXXX XXXX, 2016. 
2. An extra auto-payment of {$2600.00} was made on XXXX XXXX, 2016. The payoff amount declared by Ocwen was fully paid at closing on XXXX XXXX, 2016, so the auto-payment of {$2600.00} was an over-payment. 
3. I called Ocwen 's Customer Care number ( XXXX ) on XXXX XXXX, 2016 to inquire about a refund of the over-payment. I was told that a full refund check was mailed on XXXX XXXX, 2016. 
4. The refund check arrived on XXXX XXXX, 2016. The postmark shows it was mailed XXXX XXXX, not XXXX XXXX. The postmark is coincidentally the date of my inquiry. Furthermore, the check was backdated to XXXX XXXX, 2016. Finally, the check was only {$2200.00}, not {$2600.00}. Consequently, it was short by {$460.00}. 
5. I called Customer Care again on XXXX XXXX, 2016. I was told by Customer Care representative " XXXX '' that my complaint would be submitted to the " Refund Department '' and I would need to wait for up to ten business days to get a response. 

CONCLUSIONS : 1. Ocwen failed to promptly refund the over-payment. 
2. On XXXX XXXX, 2016, Ocwen made a fraudulent material misrepresentation that they had already mailed the full refund check on XXXX XXXX. 
3. On XXXX XXXX, 2016, Ocwen made a fraudulent material misrepresentation that the check was a full refund of the over-payment of {$2600.00} that I had submitted via auto-payment on XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: TransUnion will not fix a problem on my credit report even though the creditor has already updated and reported to them that this was an error. I thought this information was corrected but it is still showing up on my credit report as 120 days delinquent. This needs to be corrected immediately. I have been working to resolve this for several months and according to the FCRA the credit reporting agencies have 30 days to fix the problem or delete the information if it is not able to be corrected. There were two separate accounts under the same account number both needed to be addressed but TransUnion only addressed one. Original account balance {$6000.00}. Per the letter attached from XXXX the delinquency was an error on their part. This should have been easy to determine as I have been having this " investigated '' for several months. Each time the response is that it was " verified ''. Obviously it was not verified. See attached documents!

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 01/19/2017 about Debt collection (Medical) with Radius Global Solutions LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from CENTRAL CREDIT SERVICES I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CENTRAL CREDIT SERVICES in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

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 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (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: Hello Consumer Financial Protection Bureau, The following letter is to inform the outcome of a dispute I had with Equifax which started on the telephone on XXXX XXXX 2016 and ended up being submitted by mail on the same date ; regarding a collection account still open ( XXXX and XXXX ) when the same had been closed in 2016 as notified by XXXX and XXXX in a telephone conversation. Also, the full payment to another collection agency ( XXXX XXXX and XXXX ) collecting the same debt. As it turns out, Equifax removed the XXXX and XXXX account from my credit report. However, it failed to add XXXX XXXX and XXXX with a {$0.00} balance and paid in full status. Furthermore, Equifax also had the audacity to removed a non associated account ( XXXX ) in favorable standing dropping my fico score 16 points instead of raising it. The difference between my XXXX and Equifax score is 48 points and this is disturbing. In conclusion, Im trying to improve my credit, but this stunt is hindering me. Can you please help me resolve? Thank you. XXXX XXXX 2016

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2017 about Credit reporting () with TOYOTA MOTOR CREDIT CORPORATION (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had XXXX auto loans with Toyota Motor Credit which were paid off in XXXX and XXXX. Since these dates they have appeared on my credit report as " pays as agreed ''. I have attached a copy of my report which details each month since these dates as marked XXXX and XXXX Then on XXXX, Toyota reported these account as Pays 31-60 days and 90-120 days even though they were paid off years ago. There was no reason to change the status of these account as I did not owe anything to Toyota and for the past nearly 6 years they have been reported as " pays as agrees ''. I wish Toyota to change the status back as had been reporting. I had previously disputed why these old account remained on my record, and then Toyota goes and puts old information on my record that has no meaning and relevance at this time. I have attached the XXXX pages from my XXXX Credit Report for XXXX which shows both accounts reported as " Pays as Agrees '' and the XXXX pages from XXXX, which the account status changed. And on XXXX report you can clearly see the many years after the accounts were paid, there was no negative reporting by Toyota Financial. It is very harmful to me that Toyota for no reason would ruin my credit record now, for payments nearly seven years ago, when in reality these accounts should not even still be on my credit report. Please have Toyota correct the status back to Pays as Agrees. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Debt collection (Medical debt) with Kings Credit Services (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: KINGS CREDIT SERVICE Placed two Collection accounts on my credit file back on XX/XX/XXXX and XX/XX/XXXX for services that had nothing to do with me, but with my daughter. I did not sign any paperwork for her Doctor 's visit as she was taken to all of her appointments by her mom. The accounts were paid in full but they placed them on my credit file.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Debt collection (Medical debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have a debt collection on my credit report from XXXX XXXX XXXX worth {$500.00} and another XXXX XXXX XXXX XXXX. worth {$290.00} which I was not responsible for. I was involve in a incident where I was a Victim and needed medical attention due to this incident back in 2015.

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 03-01-2017 about Credit reporting () with SYNCHRONY FINANCIAL (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The CARD Act requires that my credit card due date has to be at least 21 days from the day the statement is sent. So, that 's 21 days plus 30 days before any late payments are reported to the credit bureaus ... or 51 days. My account with Care Credit / Synchrony Bank was not 51 day past due. Nonetheless it ( my account ) is inaccurately being reported to multiple credit bureaus as a late payment.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Inquiries that were removed was placed back on

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (WI).
Issue: Settlement process and costs

Complaint: Hello, my name is XXXX XXXX. This is part of complaint # XXXX. 
My complaint is actually regarding Ocwen and XXXX XXXX, Ocwen for slandering my credit since XXXX and preventing me from aquiring an auto loan, high insurance rates and lowered Fico score. Ocwen has offered no information regarding the source of the {$99000.00} debt that was reported as LATE on XXXX report and UNKNOWN payment status on another. XXXX account number ( XXXX I have never seen nor has any relation to a loan or credit card ) and XXXX reports ... XXXX for a credit card and XXXX for a real estate loan. I asked for the proof and received nothing except that this was acquired by another debt collector in XXXX. I want to know who the original creditor was and an explanation for this balance. I have damages from this, I did not scroll far enough down on my reports last year to view this unfortunately. 
I have no idea where they came up with a XXXX balance. I assume it has something to do with a deficiency balance, however, all was discharged in bankruptcy in XXXX. Also, I was never at any time aware of any {$99000.00} debt nor contacted at all. My property was in Arizona, it was a non judicial foreclosure and deficiencies are not allowed with the type of property I had. Ocwen had no business in this continuation of harm. Enough is enough and if they are doing this to me I think many people need to be warned so they can check their reports. Please stop these barnacles. 
I will file another complaint regarding XXXX XXXX, I think it is more efficient to separate them although they are related. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Credit card () with TD BANK US HOLDING COMPANY (TN).
Issue: Identity theft / Fraud / Embezzlement

Complaint: my cards were stolen my id was stolen at target I reported the cards stolen and id stolen my balance at target was XXXX back in XXXX 2012 even i reported the credit cards were stolen and I put a fraud alert they still used my credit cards XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, all menitoned they removed all charges, I paid XXXX my balance Only my what I authorized the credit card, i was going thru a difficult time, divorce XXXX my kid trying to XXXX and myself, both were going to XXXX with XXXX here in XXXX XXXX I had no time to pay attention wiht my bills, my mother was paying some of my bills while I was dealing with divorce and my kids never thought they were going to use all my credit cards and my ids were used they even tried to get more credit and took money from all the credit cards, as you can see XXXX, XXXX, XXXX, XXXX XXXX, they removed all unauthorized charges I can not believe we put over identification so in bad hands and we are not protected anyone can use somebody'else card and id? without asking confirming id? I mailed long ago a disputing charges to target willing to pay only my balnace of {$61.00} even I mailed them my last statement and disputing the charges, I called the XXXX business credit bureau to report the stolen ID and credit cards this is the protection we have? 
I am disputing the charges of {$470.00} I called target today I spoke with XXXX then with XXXX she told me to write another letter mail it to Target card serces dispute solutions XXXX XXXX XXXX I have mailed over XXXX letters already to target called them many times here I am writing this complaint to you XXXX to take action of my complaint please I want this to be deleted from my credit please call me at XXXX I will report this to the Consumer Financial Protection B. as an act of failure to my consumer wright, be need more consumers protection ask for ID when anybody is using credit cards to identify the end user that way who stole my ID or stolen credit cards can be prevented stopped,! I as US citizen need more consumer protection from ID theft.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Consumer Loan (Vehicle loan) with Autovest, L.L.C. (AL).
Issue: Problems when you are unable to pay

Complaint: I was sued by Autovest LLC on an alleged loan. 
Autovest is a debt collector. They knew that the debt was beyond the statue of limitations. 
This company has had me in court for over 2 years and has tried to garnish my wages over a time barred debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Pinnacle Credit Service keeps illegally reporting a collection account on my credit reports. This debt is past the statue of limitations and Pinnacle refuses to validate the debt because they have no information regarding this debt. I 've called the original creditor and they have no record of this debt being sold to pinnacle credit services.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I do NOT have a signed contract nor any contract with XXXX, XXXX XXXX, or XXXX XXXX. I have never done business with these companies. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report and FTC aftidavits the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with these false accusation of these accounts. I sent them a letter requesting proof any contracts, signatures, a copy of my id anythings that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I have just discovered that without my knowledge or consent Wells Fargo extended a mortgage that I am on an additional 14 years. How can it be legal for them to burden me with 14 additional years of indebtedness? I do not want an extended loan. I want the original terms. Can terms be changed without my knowledge and consent and then still hold me liable?

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 05/23/2015 about Debt collection (Credit card) with STONELEIGH RECOVERY ASSOCIATES, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Received a letter from Stoneleigh Recovery Associates LLC and trying to collect the balance due for XXXX that has been resolved for so many years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/15/2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CA).
Issue: Making/receiving payments, sending money

Complaint: I made an electronic transfer of XXXX from my checking account to my credit card account, both at wells fargo. Wells fargo now says it will take 3 days for that to be credited to my caRD. dURING THAT TIME THEY HAVE MY MONEY AND CAN EARN INTEREZST ON IT.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (CA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: Was given a XXXX prepaid gift card by my boss for XXXX last year. Never tried to use it until XXXX XXXX, but at the register it only registered {$1.00} and the purchase was considerably higher. After leaving the store I remembered I had n't used it before so looked on the back and although there 's no phone number for activating the card, there was a number for lost or stolen cards so I called it and was able to activate the card. Went back to make my purchase but this time the card was declined. Went home to check on internet and found out you have to register the card first, but when I put in the card number, the error message said there was no record of that account number. This morning I looked online again at https : XXXX and found literally thousands of complaints with exactly the same problems I had.

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 09/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Trans Union Corporation ( XXXX : XXXX and XXXX ) and its subsidiary Trans Union LLC ( XXXX : XXXX ) continues to refuse to correct mailing ( situs ) address on credit file by intentionally reinserting invalid ( situs ) mailing address to my credit report, in spite of me repeatedly providing evidence of their error. CFPB Case Numbers : XXXX ; XXXX ; and XXXX are germane. See mailpiece post marked XXXX XXXX, 2015, which I received via United States Postal Service on XXXX XXXX, 2015. In addition, the address identified as XXXX XXXX XXXX, XXXX, VA XXXX is not mine ; I never owned, lived, occupied or established resident at this address. 
Furthermore, Trans Union Corporation ( XXXX : XXXX and XXXX ) and its subsidiary Trans Union LLC ( XXXX : XXXX ) continues to refuse to delete adverse account, to-wit : XXXX # XXXX on credit file by intentionally reinserting inaccurate and fraudulent information to my credit report, in spite of me repeatedly providing evidence of their error. CFPB Case Numbers : XXXX ; XXXX ; XXXX ; and XXXX are germane. See mailpiece post marked XXXX XXXX, 2015, which I received via United States Postal Service on XXXX XXXX, 2015. 
Pursuant to 15 U.S. Code 1666 - Correction of billing errors, I formally request the following documentary evidence pertaining to alleged Account Number XXXX and alleged payee : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX now XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX : XXXX ) ) : 1. A copy of the original credit application and loan agreement and disclosure statement showing the terms of the agreement ; 2. A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made, and date of charges posted ; 3. Copies of all documents and financial instruments used to pay the disputed late payments ; 4. Copies of all charge slips, invoices, promissory notes, truth in lending insurance disclosures, and all other documents proving indebtedness ; and 5. Copies of all documents sen to me regarding the alleged account. 
Immediately remove this inaccurate and incomplete information from your databases, which I have advised Trans Union Corporation and its subsidiary Trans Union LLC on, at least, XXXX separate occasions, more than 60 days ago. 
This letter is not meant in any way to be an acknowledgment that I have any outstanding personal debt regarding disputed alleged debt. 
Sincerely, I am /XXXX/XXXX , on behalf ofXXXX XXXX , Without PrejudiceXXXX XXXX ( Ret. ) XXXX XXXX XXXX, VA XXXX XXXX, 2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Experian has not removed an item in which I have advised is beyond the 7 year time period. XXXX erroneously is providing the first date of delinquency. It is not XXXX of 2009 in which XXXX is reporting. It is XXXX or XXXX of 2009 which this item would be deleted off my report. The payment made to comcast I was told in XXXX 2009 by my cousin was for previously owed bills. The remaining balance was for XXXX, XXXX and XXXX for a total of XXXX dollars making the first date of delinquency in XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-11-2015 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Credit determination

Complaint: In trying to negotiate a payment plan on debt on a Wells Fargo credit card- and though I 'm still willing to pay the full amount of the debt, the representative consistently said that they could not advise how this would affect my credit. I insisted on knowing how a payment agreement would affect my credit prior to making a decision on whether to accept the terms, but they could not say how it would be reported. I feel I have the right to know before I agree to terms. And they said I could contact the Credit Bureau 's to ask them. But I know the reporting comes from the lending entity NOT the credit bureau.

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