milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/13/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: We are attempting to sell our house but can not because Ocwen in unable to provide us an accurate payoff amount. Due to a prior loan modification, Ocwen and I have a profit sharing agreement if I sell the home for more than the baseline amount, modified by any capital improvements I have made since the modification. Receipts were sent to Ocwen on XX/XX/XXXX and XX/XX/XXXX concerning capital improvements. Ocwen acknowledged receiving them and promised to respond within 24 business hours per their email. It is now XX/XX/XXXX and both my wife and I have spoken to Ocwen multiple times with zero results. Anyone we talk to says they will look into it and get back to us but never does. At this point I expect to need to get legal representation because Ocwen is causing me financial harm as I can not sell my home due to them not following through on their contractual obligations. It is impossible to talk to anyone who knows anything about anything and my contract to purchase a new house is about to expire as I can not sell my home as agreed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Receivables Performance Management, LLC (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX XXXX  Debtor is XXXX XXXX XXXX XXXX they claim it was opened on XX/XX/XXXX but it was sent to collections in XX/XX/XXXX for amount of {$930.00} Rpm ( RECEIVABLES PERFORMANCE MGMT ) Debtor is Also XXXX XXXX XXXX XXXX in amount of {$530.00} opened on XX/XX/XXXX when this is tied to same acct as listed above it was sent to collections in XX/XX/XXXX same company has opened false accts and when its close to the 7yr removal date they send it to another company and they reopen it again and again

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 01-06-2018 about Debt collection (Other debt) with Convergent Resources, Inc. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I received a copy of my credit report today and there is an account on there from this company. I contacted the company and spoke to someone named XXXX ( I believe. He said his name really fast one time and would not repeat it after that ). He advised that they account is from XXXX in the amount of over {$1500.00}! I have NEVER done any business with XXXX nor have I signed any contract the XXXX  XXXX. I have been a customer of XXXX XXXX XXXX since 2005. I told the rep that the account does not belong to me and I need verification of the debt and which he proceeded to ask for payment. I declined the payment and the rep disconnected the call while I was still speaking. The account does NOT belong to me and I demand that it is removed from my credit report immediately!!!

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX/XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put  myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Problem with fraud alerts or security freezes

Complaint: When I tried for Auto Loan in the month ofXX/XX/XXXXreceived in correct or completely controversial or denial from most of the Credit union. The Credit Union did not update my personal information or lack of my information in their data base. This is due to the Credit Union anticipate / pay XXXX $ each month to update my information or might be provided in appropriate information about my Credit-ability. This Approach from all the Credit union made me fatigue because I have been paying my Credit card payments, Auto Loan and other Utility Bills in time without default even after voluntarily contact some of the Credit union like XXXX, XXXX XXXX did not provide right Credit ability or the report varies from one Credit union to others. At last XXXX provided me a report that shows I am victim of identity theft and hence agencies place " fraud alerts '' in my file Who is responsible for this? Now a days there are significantly increasing Cyber Crime and could you please investigate on my behalf and take Stringent Action against the Fraudulent who theft my Personal information. I hereby Authorize to take necessary Action against Fraudulent.

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 04/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hello my name is  XXXX   XXXX , my phone number is  XXXX . My wife opened a credit card under her social security number with cap ital one, she asked capital one a few weeks ago if she could add an authorize use to the account. I was present when my wife asked capital one and they said she could a dd. My wife asked the representative over the phone that if she added me as the authorize user and if my ssn was needed or was this credit card going to be reported to the my ssn. The representative advised my wife that she was the responsible party for any charges made by the authorize user and that they capital  one did not need ssn, but just the name ( my name ).      Now I am in the process of buying a house and  my credit score was dropped because capital one added my wife 's credit card t o my ssn without my ssn. She did not give the agent my ssn when she added me as an authorize user. I called ca pital one an d try to explain them the situation, but they are unwilling to make the changes to my credit report. They refuse and they are no making me responsible party for a credit card that I never signed up. Please help me. The credit card account that they reported to my credit without my authorization ends with  XXXX . Please help me. As a young couple we are trying to buy our first home, but with my  credit score bei ng reduced by this, I feel I wo n't get the best rate that the bank has to offer. Please help me. I even asked the supervisor  XXXX , ID -  XXXX  to listen to the call when my wife call ed capital one two we eks ago and she only gave my name and not my ssn or date of birth. Capital one just added my wife 's credit card to my SSN without an SSN being provided during the call. I do n't think I am the only person that is having this issue with capital  XXXX  ne. They are trying to cover this by advising people to file a dispute and it should take about 6 months to hear an answer from capital one. The time frame that capital one has pr ovided is unacceptable and I need your help to find a resolution to this issue. Thank You,  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Mortgage (FHA mortgage) with Stearns Ventures, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I am filing a complain against Stearns Lender for charging me too much for MIP. I had FHA loan with " Stearns Lender ''. My loan was paid off on XXXX/XXXX/15. Although the MIP was {$900.00}, I was charged for {$1700.00} for " prorated MIP ''. I called Stearns XXXX times to address the issue. Unfortunately with no resolution. 
I kindly appreciate for any help in this matter. 
I am also filing a small claim in court.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2015 about Bank account or service ((CD) Certificate of deposit) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: My mother passed away over a year ago and I have been trying ever since to get someone at Bank of America to act on documents giving me, as her court appointed personal representative, access to a small personal IRA she kept at the XXXX, Florida branch for many years. I have visited the bank XXXX times in total since my mother 's passing with all the required legal documentation and personal identification necessary to enable me to legally distribute the IRA 's contents to the heirs as stated in her will. However, to date ( XXXX XXXX 2015 ), I have yet receive anything other than a Patriot Act form that asked me to state that I was indeed a citizen of the United States ... a bit of information I have already submitted XXXX times. I have tried contacting both the managers of the XXXX branch and of the downtown XXXX office by certified mail only to have my letters returned ... unopened. I feel I have been more than patient in my efforts to get someone at Bank of America to act on a simple request for access to an account that I am legally entrusted to collect and distribute. Can anyone here help me?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Settlement process and costs

Complaint: Greetings CFPB my family and i experienced a deadly ef-4 tornado in XXXX Tx. 
we are underinsured as it stands aside from this traumatic experience our insurance cp paid a moderate amt barely to cover our roof and interior damage, the check was made to both Ocwen loans and myself, Ocwen has send XXXX of the check, the check was for XXXX Ocwen send less than XXXX, and is playing games stating that i will receive a call in 3-5 business days, this is not only deceptive it is a blatant lie they are trying to keep the money, i was misled to believe if i paid the XXXX which i have XXXX to be precise this is hurting my family we lost alot of our contents which we dont have coverage we had a minimum fire policy which did cover wind thank XXXX but we are suffering and Ocwen appears to have done this to other consumers click this link after you read the paragraph of a consumer to the far upper right click comments i found other consumers are told the same thing misleading them to believe they will be called for an inspection in " 3-5 '' days it is a lie in fact i will request phone records as i have not received a single call from Ocwen for an inspection see link : XXXX please see the devastation in this video a pastor recorded of me and my husband this tornado is devastating we dont have any other means to repair our home as i am XXXX, Ocwen should release the funds i have faxed proof they were sent copies of the Cashiers check where i paid the contractor in full. 
please help me i am devastated, Respectfully XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 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: Account status incorrect

Complaint: For the past 3 months I have been trying to get Experian and XXXX to report the correct information about my mortgage with XXXX XXXX XXXX, my account is not closed have never been closed I have been paying my mortgage every month since 2010, I contacted my mortgage company XXXX and they sated they are reporting that my account is open, I have disputed this information 5 times with Experian and XXXX and they refused to correct the information stated that its verified as closed am not sure how they are verifying this information when I pay my mortgage every month and the mortgage company is saying that is not what they are reporting, please help am at my wits end and very frustrated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Paid off my  XXXX    XXXX   and   XXXX   XXXX   XXXX   XXXX   credit cards over  three yrs, and it still showing up in my credit report.also someone is trying to get credit with my name

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 07-06-2016 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have submitted a dispute via certified mail with Equifax in regards to the improper reporting of the payment history, as well as, account balance which is being reported by XXXX XXXX. The original dispute date was XXXX XXXX, 2016. Along with contacting Equifax I 've also contacted XXXX and Experian as well and have received the same reply that the Furnisher, XXXX XXXX, is verifying that the information is correct when in face my dispute stated that I was requesting verification because I have proof of payments that was not reported as well as deferred payments that was also not reported. I am very upset that these credit bureaus are not thoroughly investigating consumers accounts such as mine. According to the Fair Credit Reporting Act the Furnisher has 30-45 days to complete a thorough investigation resulting in correction or deletion of the account and or information in order to not violate the consumer and at this point after unsuccessful attempts I, the consumer, rights are definitely being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Ive reached out to Experian several times to report inaccurate information on my report due to being and ID Theft victim. Not only have I reached out via phone I reached out via mail and got no response from them or any correction to my report. I have several accounts reporting on my report as a result of fraud. Ive also submitted police report to Experian. 1. XXXX XXXX 2. XXXX XXXX 3XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX 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 non-monetary relief
Consumer complaint received 11/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On XX/XX/XXXX I made a {$500.00} payment to Capital One. On XX/XX/XXXX I made a {$1000.00} payment to Capital One. My online account shows {$1000.00} payment on XX/XX/XXXX which does n't make sense. My {$500.00} payment never showed up online. I called customer service several times on XX/XX/XXXX. I was disconnected several times and finally got through after holding 41 minutes. Customer service acknowledged my {$500.00} payment and said it should show up the next day online. I asked about the balance - I track my balance constantly and know the {$500.00} was not applied to my balance. She said it was applied and the balance showing online is correct. I do n't think so. I was very unsatisfied with the customer service. The next day or even today XX/XX/XXXX - my {$500.00} payment does n't show and my balance has n't been adjusted. I did contact customer service again via online on XX/XX/XXXX. I got the same response. They acknowledge my {$500.00} payment but did not apply it to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I provided Tranunion a affidavit of fraud and a XXXX XXXX Police report. I received a letter stating they would not do an identity block because I did not provide a valid law enforcement report. So, it could not be accepted. This is a valid report issued by XXXX XXXX police department and all the information can be verified.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit card or prepaid card (General-purpose prepaid card) with CITIBANK, N.A. (FL).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: In order to establish a credit history when we moved back to the U.S, I obtained a {$1000.00} secured credit card with Citi Bank. I have n't been able to use the card after the third month. It 's been close to a year since I received the secured credit card. When we called the bank to inquire why my card was n't been accepted by business establishments, I was informed that the card had been canceled and that it could n't be reissued. 
Then we where informed that we would get our {$1000.00} back via regular mail within 6 to 8 weeks. three months latter, they have not returned my funds. 
I have been to the CITI branch three times and have not been able to get a response on what the problem could be. 
The bank has had my {$1000.00} for more that a year. The balance on the credit card is XXXX and as a result : Has not help me to establish credit history as was the original objective. 
I have no use of my own money because CITI wo n't give it back. 
They say that it will be in the mail, but three months latter, I still have not been able to get my money back. What can I do to resolve this problem?

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 11/25/2016 about Consumer Loan (Vehicle loan) with TMX Finance LLC (GA).
Issue: Managing the loan or lease

Complaint: I VISITED TITLEMAX IN XXXX GA IN XXXX 2015. I SPOKE WITH THE AGENT ON DUTY IN REF TO PAWNING MY CAR TITLE. HE PROVIDED ME THE DETAILS OF HAVING A TITLE LOAN AND SO I PROCEEDED WITH THE LOAN. I WAS TOLD THAT MY PAYMENTS WOULD BE {$300.00} PER MONTH AND THAT IT WOULD TAKE 12 MONTHS TO PAY OFF THE LOAN. THE AGENT SECURED ME FOR A {$2000.00} LOAN. A WEEK LATER I WENT IN AND ASKED FOR THE REMAINING BALANCE I COULD GET AND WAS PROVIDED THE FUNDS, TOTALING {$2500.00}. I WAS TOLD THE PAYMENTS WOULD BE THE SAME, THE PAYOUT TIME FRAME WOULD BE THE SAME, AND ALL WAS WELL. THREE MONTHS LATER I SPOKE TO THE AGENT AGAIN ABOUT THE LOAN AND HE ADVISED THAT AFTER I HAD PAID {$1200.00} I HAD NOT TAPPED INTO THE PRINCIPLE BALANCE. ANOTHER AGENT HAD OPENED MY ACCOUNT AND ACCIDENTLY ADVISED ME OF THE ACTUALITIES OF MY LOAN. I HAD ANOTHER PAYMENT OF {$300.00} AND AFTER THAT ONLY ABOUT {$27.00} WOULD BE APPLIED TO THE ACTUAL LOAN. THIS IS NOT WHAT I WAS TOLD IN THE BEGINNING. THE FIRST AGENT STATED THAT I WOULD PAY A TOTAL OF {$2500.00} PLUS AN ADDITIONAL {$700.00} FOR THE INTEREST, WHICH WOULD EQUAL {$3200.00}. THE FIRST AGENT ADVISED THAT I NEEDED TO PAY MORE TO GET INTO THE PRINCIPLE OF THE LOAN AND ONLY THEN WOULD I BE ABLE TO ACTUALLY START TO SEE SOME RELIEF. BUT MY PAYMENTS WERE GOING TO BE HIGHER ONCE I TAPPED INTO THE PRINCIPLE WHICH MEANT MY TIME TO PAY OFF WOULD BE LONGER AND THEN THERE WOULD BE MORE INTEREST ADDED. I ENDED UP FILING THE TITLE PAWN UNDER MY BANKRUPTCY AND FROM WHAT I WAS TOLD THE DEBT HAS BEEN SATISFIED. I HAVE NOT RECEIEVED MY CAR TITLE AND IT HAS BEEN OVER A YEAR.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Debt collection (Medical debt) with Credit Management Services, Inc. (NE).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XX/XX/17 approx XXXX Credit Management Services located in Nebraska called my employer, masking their number and asked to speak with me regarding a {$250.00} medical bill. I have spoke with them on at least three other occasions, and asked that they not call me at work. I once again told them not to contact me through this number.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Consumer Loan (Installment loan) with Duvera Billing Services, LLC (CA).
Issue: Managing the loan or lease

Complaint: We needed our car repaired and the cost came to {$1400.00} at XXXX we did not have the cash so the manager said we could get a easy pay loan and set it up over the phone after giving our information to someone over the phone he handed me the phone and a man told me that I could pay it off in 90 days same as cash or I COULD PAY {$140.00} for 12 months and I said I could do that and we had done that without fail the last 12 months never late. well on the 13 month they took another payment out so I called them and they were rude and said I owe for another year. they said I agreed to that no I did not, there was no contract sent to me only a over the phone agreement that I did without fail so I closed my account so they could not get another payment I do n't owe for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 07-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I first received a bill from I C Systems Inc regarding an unpaid balance for XXXX back in XXXX of XXXX. I contacted this collection agency to advise that this account was discharged in my Chapter XXXX Bankruptcy. I know as of today XXXX/XXXX/XXXX discovered this collection agency has put this on my credit report as a negative collection. The original date of the bill was XXXX/XXXX/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