milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/20/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Loan Modification Application was sent via email ( XXXXXXXXXXXX ) to Ocwen on XX/XX/XXXX. Additional documents were requested on XX/XX/XXXX by the plaintiffs attorney XXXX , the request was based on the borrower seasonal income period worked, that request was responded to and the question addressed via a letter of explanation XX/XX/XXXX. On XX/XX/XXXX updated documents were sent for the continuation of the modification review. Once again another request was sent regarding the borrowers seasonal employment, a letter of explanation was sent and also proof ( class schedule ) start and end time of the seasonal employment. Due to the delay in review, Ocwen then requested updated documentation for the co-borrower, this request was adhered too, however the delay in review and the sporadic erroneous request kept on for almost two months. With the most recent being XX/XX/XXXX, where the servicer has revisited and requested additional information on paystubs that were submitted since XX/XX/XXXX. 
The requests are unnecessary and a delayed tactic that the servicer is engaging all requests were responded to and all questions addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XX/XX/XXXX I contacted Navient about student loan forgiveness or Debt Consolidation. As I was beginning the process they placed my loan in deferment. In XX/XX/XXXX the Debt Consolidation was concluded and my new servicer is XXXX. On XX/XX/XXXX Navient reported to the credit agencies that my loans where over 120 days late on payment as of XX/XX/XXXX. I contacted Navient and they said that since my loans where no longer with them they could not help. This caused a sever drop in my credit score which has caused me to be denied for my home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: inaccurate information cra and hippa violation must remove them not 100 % correct

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 02/13/2018 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: today, XX/XX/2018 my banks accounts were levied by XXXX XXXX XXXX. I spoke with many people who would not give me any information. This was addressed a long time ago. I do not recall when. I had my credit cleaned of any outstanding debts years ago. I pulled my credit and this was never on it. anyway, I spoke with XXXX XXXX and said to her this is not right. she said " the burden of proof is on me ''. My husband spoke to someone a couple months ago asking for money. he said send us the proof. we never received anything. I also spoke with XXXX XXXX who gave me a hard time giving me a physical address. he finally did I asked for a supervisors/manager name and he told me there really is no one to address it to.i have a levy for XXXX in which the held approx. XXXX. I have bills going to bounce. this my money. I have children to support. I worked hard to pay my bills. this is fraud. please help me get my money back. there address is XXXX XXXX, XXXX XXXX XXXX, XXXX, MI XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI, XXXX phone number XXXX my name is XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-09-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Loan modification,collection,foreclosure

Complaint: Mortgagor is currently under contract for the sale of his property but servicer has a foreclosure date set for XX/XX/2016. Sadly mortgagor just realized he was scheduled for foreclosure the XXXX two days ago. I reached out to the mortgagee ( Nationstar Mortgage ) and requested a postponement of the foreclosure and let them know the current offer pays them in full but they said they wo n't guarantee me they will postpone. I am hoping they will but fear if they drag their feet I wo n't have time to stop the action. I am requesting the CFPB stop this foreclosure because the damage to my client will far outweigh any potential damage to the mortgagee and or investor on the loan. I know this is last minute but this case has compelling circumstances that warrant flexibility of the mortgagee.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Despite this account already being showed to be Id theft both companies have replaced it once again on my credit report sevelu damaging my life and my ability to feed my children, obtain housing or any time of loan while Im 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 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Karma, Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: CreditKarma keeps placing a paid off state tax lien on their site making my scores look bad. This lien was paid off way back when and completely removed back in XXXX XXXX. I have already contacted XXXX repeatedly as I was told that this is the only place they could have attained this information from. XXXX stated they would dispute it again and they then removed it or deleted it once more. They stated their info came from XXXX whom claims there is no lien. This is now the second time this is happening to my credit report without any explanation. The first time was a couple months ago and now again in XXXX XXXX. This needs to be stopped as I can not even tell what is accurate anymore and what is not, even though I know for a fact that the lien is not accurate since I have already had to verify it.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Transunion will NOT take off my credit reportXXXX is reporting on my credit report for Transunionthis is a fraudulent charge ... .... After a year of fighting XXXX that it was not my debt XXXX has sent me documentation that the charge was not mine. 
Numerous occasions I have faxed the information and mailed the documentation to Transunion they have claimed they have not received. 
Fax on XX/XX/XXXX and put in mailFaxed on XX/XX/XXXX - dropped in mailFax on XX/XX/XXXX - dropped in mailagain on XXXX/XXXX/2015 to supervisor XXXX still they claim they are not receiving anything. 
I have received a fax confirmation that the fax has gon thru each timeconfirmed the fax number ; file number and Transunion confirms correct informationTheir response is they can take up to XXXX months to correct. Funny how that in XXXX year of disputing they can communicate with the collection companies via portal but the consumer when inaccurate accts. on report we have to fax ( which they never receive ) or MAIL. who mails anything. They just sent me today an updated credit report stating the debt has been verified but yet the letter attached claims this is inaccurate. 
I WANT XXXX XXXX XXXX OFF OF MY CREDIT REPORT ( TRANSUNION ) IMMEDIATELY.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/13/2017 about Debt collection (Credit card debt) with Stern & Stern. P.C. (NY).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: X/XX/17   The  Honorable Consum er Financial Protection Bureau, Please be advised that the joint tort feasors of  STERN & STERN   XXXX   XXXX   XXXX  .,  XXXX , N.Y.  XXXX ,    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   , N.Y.  XXXX and the CIVIL   COURT OF THE   XXXX   XXXX   XXXX   XXXX    1  XXXX   XXXX   XXXX   XXXX  , N.Y.   XXXX    have has and is refusing to follow Federal law as well as private international l aw effectin g two consumers as trust res and one being a minor.     STERN & STERN and  its principal was notified and warned no less tha n three tim es of false debt collection and fraud by deceptive practices under  color  of law by notary presentments and invoiced for trespass, libel, slander etc.    STERN & STERN did s tart a false claim ( index #  XXXX   XXXX  ) against the TRUST name and D/B/A/  XXXX   V.  XXXX  a consumer and  religious trust not for commercial profit.     XXXX  V.  XXXX  or  XXXX ,   XXXX   XXXX  . as the consumer  defined did counter claim and try to remove to proper venue for remedy.   This Removal attempt was denied by  color  of law and with want of equity. It has caused a larger and/or additional tort.   A Rebuttal and denial was sent to your    XXXX   XXXX   XXXX   address recently FYI. You can merge with this complaint only if it helps.   <P/><P/><P/>    XXXX   XXXX   XXXX  . 32 15 U.S.C. 1692c ( d ) Attorney in factum All rights res erved

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: I lost my job in the past and because of that my credit was affected. My car was giving me problems so I had to purchase another car. The dealership charge me more money than the car was evaluate for. And its hard for me to comprehend how capital one charge me an interest rate of 23 % for six years and the payment is so high that I cant even pay it so this car was not even good it starting me giving me trouble and I have to purchase another car. I call capital one multiple times evening can we do use the interest-rate which is 23 % but they kept saying they can not help me with that matter. I want to see how your bureau can you help me with that matter because it really bothered me to see that high interest-rate because my credit is better now I have another call at 4.62 % but this other one thats not even good Im still being 23 % on it and I can not even trade it because the value is so low. 
Please see yeah you can help me thank you

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Payday loan, title loan, or personal loan (Payday loan) with Advance America, Cash Advance Centers, Inc. (FL).
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint: went into advnace america XXXX XXXX XXXX in XXXX XXXX  on Friday XX/XX/XXXX to recieve a loan for XXXX to pay an insurance bills, i was between jobs, and collecting unemployment. 

I started work on XXXX/XXXX/XXXX They gave me the loan and charged me a service fee of XXXX when I recieved my first paycheck on XXXX. I came into that location and paid a young boy with cash, who gave me a reciept. 

About three months later, I was being inundated with calls. sometimes twice a day about 15 calls a week every day. I never returned the calls because I had a reciept I blocked them. 

Today I looked into my account and saw that they over drew my account for XXXX I called XXXX XXXX, filed a fraud claim, and had the charges reversed, I revoked the ach authorization and had to close down my account. 

When I called this location they had me blocked. and when i called from another number they hung up on me. 

I am filing a criminal complaint on this location.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Payday loan () with Credit Central Holdings, LLC (AL).
Issue: Charged fees or interest I didn't expect

Complaint: I have asked Credit Central in XXXX, Al not to call me between XXXX and XXXX while I am at work. They continue to call me at least two times a day. I could lose my job.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Credit reporting () with AR Resources, Inc. (MO).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: " I was NEVER notified by phone or mail of this debt and it just APPEARED on my credit without notice. Furthermore, it looks like the original debtor of this erroneous debt was XXXX XXXX XXXX XXXX, and they appear to have sold it to AR Resources Inc, account numbers XXXX and XXXX therefore the contract is CANCELLED and i should not be contacted about this debt again. Please remove this debt from all bureaus asap. Im trying to buy my first home and this unknown debt is really affecting me ''

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Bank account or service (Savings account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NC).
Issue: Account opening, closing, or management

Complaint: At the end of XX/XX/XXXX i misplaced my wallet ( which had my USAA membership card and all my info along with my debit card in it ) and the wrong hands found it because within the next couple of days i had XXXX savings accounts opened in my name, which i did NOT authorize my any means. Whoever opened these accounts deposited fraudulent checks for various amounts of money, coming up to be around {$4000.00}, which ended up returning and putting MY account negative almost {$4000.00}. I have been trying to resolve this issue with their financial institution for 5 months now, i have called and called and my step mother ( the joint over on the account ) has called and called and they always say they will call back within the next couple of days and NOBODY CALLS. I have never received a phone call back for as long as this has been going on. Every time i call and talk to someone they can never help me and say that the person who can help me will call me and they just never do. I was told i was going to be held responsible for the negative balance on the account and that is completely unacceptable, then i was told the amount had been charged off so now its going to go on XXXX credit report. On top of all of that, i got my paycheck the Thursday after the incident happened, which was direct deposited into my checking account, which got put on lock down, so to this day i still have not seen that {$310.00} and that is a lot of money to a XXXX year old busting her XXXX at work for it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Debt collection (Medical debt) with R.M. Galicia, Inc. (WI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This is not my debt, I have disputed this with no outcome. Please help

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 04-07-2016 about Debt collection (Medical) with R.M. Galicia, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Progressive Management Services refused to negotiate on this debt even though I told them I could n't make it to the next hospital where my XXXX condition would have been evaluated for free. ( VA hospital as I am a Veteran ) Also they are n't reporting the amount I have already paid to the {$1400.00}. I am still owing {$300.00} bout it 's being reported as a {$2000.00} debt. I told them I needed it paid so I could refinance my mortgage and she laughed at me when I asked her to negotiate. I feel this unfair, prejudice and unreasonable of this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Credit card () with AMERICAN EXPRESS COMPANY (PA).
Issue: Billing statement

Complaint: American Express is emphasizing a " pay by '' date which is 3 weeks after the statement date. They do list a " closing date '' as well, which is at the required 30 day interval but do not explain what it means. This is misleading and appears to be designed to circumvent the intent of the law. I would ask that this be addressed by the CFPB. 

XXXX examples ( from different mailings ) are attached to this submission.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Trouble during payment process

Complaint: In XX/XX/XXXX, I made an accelerated principle payment on my mortgage (then serviced by XXXX) in the amount of $XXXX (proof attached in XX/XX/XXXX letter).  In XX/XX/XXXX, I made another accelerated principle payment on my mortgage (then serviced by XXXX) in the amount of $XXXX  (proof attached in XX/XX/XXXX letter). Total of accelerated payments = $XXXX.  SPS (Select Portfolio Servicing, Inc.) is my current loan service provider.  In the past year, I've tried multiple times via phone calls to SPS Customer Service to evaluate how these accelerated payments will affect my ultimate payoff date (not maturity date).  SPS not once acknowledged that these accelerated payments had been made, gave me no guidance, and simply stated that the maturity date remains XX/XX/XXXX.  Therefore, I wrote a formal letter on XX/XX/XXXX (attached) of this year asking for assistance with my situation.  SPS wrote back on XX/XX/XXXX (attached) saying in part, that they could not give an "exact" payoff date due to the Adjustable Rate on my loan.  Please note, I did not ask SPS for an exact date in my XX/XX/XXXX correspondence.  On XX/XX/XXXX, I again responded (attached) asking SPS to acknowledge the accelerated payments and account for them, as well.  In addition, I requested assistance in estimating a reasonable payoff date.  On XX/XX/XXXX and XX/XX/XXXX, SPS responded (attached) in part, saying that they had already addressed my issues and considered the matter 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 10-12-2017 about Debt collection (Credit card debt) with Alliance Data Card Services (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XX/XX/XXXX I received an e-mail from from XXXX XXXX NY Store Manager XXXX XXXX to contact him immediately at ( XXXX ) XXXX-XXXX he ifnormed me there was a tall XXXX XXXX women in the store pretending to be me wanted to purchase on my XXXX charge, he also told me that found {$1600.00} charges made on my account in XXXX XXXX XXXX, XXXX XXXX onXX/XX/XXXXXXXX which was not charged by me. I live in XXXX XXXX, NY He told me to call XXXX XXXX tell them of the fraud. I immediatley called XXXX XXXX and reported the fraud and close my talbots account immediately. 
XX/XX/XXXX XXXX XXXX sent me letter stating Iam responsible for the charges Iam to pay the bill. Also enclsed was Statement of fraud and Forgery from the Account protection Team I completed the froms and also sent them letter by the Federal Trade Commision Fair Credit Billing Acts that Iam not responsible for fraudulent charges and copies of XXXX XXXX XXXX Police Report of XX/XX/XXXX asking them to investigate and stop threating me to report fraud/forged charges to the Credit Bureaus. XXXX XXXX sent me another letter telling me to pay the bill which was {$2700.00}. Comenity Bank refuses to stop billing me and accept the fraud/forgery. Most important info for you is " I have the XXXX card in my wallet it was never lost, perpetrator was allowed by XXXX to purchase all these clothes without a credit card ''. The next stupidity XXXX did is mail me a another credit card same A/C #, XXXX store and XXXX XXXX are just plain stupid and making me pay the price for their lack of care fraud/forgery charges.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Credit card () with FIRST HAWAIIAN, INC. (HI).
Issue: Transaction issue

Complaint: In XXXX 2016 called First Hawaiian Bank 's Consumer Service to let them know about a fraudulent charge on my credit card. The representative said she would reverse the charge and told me the balance I owed which I paid. This same fraudulent charge appeared back on my next statement so I wrote a letter regarding such to XXXX XXXX the Ops Mgr. He says that I should have placed my complaint in writing and that the time to do so had Expired. To me this is disingenuous and hypocritical. My response is that their Customer Service representative led me to believe that the problem had been resolved. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Mortgage (Home equity loan or line of credit) with FIFTH THIRD FINANCIAL CORPORATION (KS).
Issue: Loan modification,collection,foreclosure

Complaint: The second mortgage held by Fifth Third Bank was discharged in bankruptcy in XX/XX/XXXX, and was not reaffirmed. We have no personal liability for the debt. We have been unable to make payments toward the debt from XX/XX/XXXX through the present. Our home appraises with negative equity, it 's " upside down. '' We have recently had the opportunity to borrow a small amount of money from family and friends to attempt to release the lien on the property. We have offered a lump sum payment to Fifth Third Bank on XXXX XXXX, XXXX, and XXXX XXXX, XXXX, as well as several times in XX/XX/XXXX, including today, XXXX XXXX, XXXX. Fifth Third Bank has been belligerent to us repeatedly regarding the same, and has refused to negotiate with us in good faith. They have stated that they want the full unpaid principal balance paid. We have provided documentation to show financial hardship and a willingness to pay to release the lien, and they refuse to cooperate.

Company response to consumer: Closed with explanation