milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/13/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Hello, I have been disputing the items which I would like to have removed from my Equifax credit report. I filed a complaint before and their response was that my work looked as if a credit repair company wrote the information. The information is written in black and white on my credit report. All I did was copy it and paste it on to the website. This type of shortness dismissal of hard working individuals is ludicrous and is not serving the public correctly. I did not use any form or verbiage from any agency.. This is just me. Writing and gathering information so that the credit bureaus could dismiss me and put me in a category without giving me a chance to explain myself. The CFPB is supposed to protect us, the citizens, from the credit bureaus who report inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: on XXXX XXXX, 2016 I called the credit bureau and they would not removed the information that is not correct. I try to do the transaction online, but they keep telling me to call.I explain that the information was wrong and that some name and address was not accurate.

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 08/25/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Hi - I am dealing with Greentree Mortgage Servicing trying to get a loan modification/deed in lieu since XXXX 2014. I have had them call me numerous times and rather than assist me, they have hung up on me when I answer the phone. I was have been sent several contradictory papers which are all very confusing. When I try to call of course my phone is traced and I go directly to the collections department and I am yelled at and hung up on. I was recently approved for a loan modification but when I called to get specifics as to how it works I was told I was approved for a 40 year adjustable rate mortgage. I asked why I was not advised of this in the beginning. The gentleman I spoke to never explained why. Several days later I received a call back explaining that was incorrect but this was AFTER the paperwork was supposed to be turned in. 
I did receive new paperwork but it had the same OLD dates on it. I called to verify that I could send in the paperwork. Again, I was only allowed to speak to XXXX my account manager after pleading to speak to someone in loan modification department. He refused to transfer me an assist me. I called back and was told my phone number was tracked. I then borrowed a phone and used it to call one of the extensions I had been left via voice mail in the loan modification department. I never to this day have received a call back. I finally received a call from XXXX and he assured me he would call me back at noon the following day since my cell phone gets no reception at work. He did not call me until XXXX. I then called him on Monday my day off. I am trying to get assistance with my mortgage payment from Green Tree but it seems as though they do not want to help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Bank account or service (Checking account) with PNC Bank N.A. (OH).
Issue: Problems caused by my funds being low

Complaint: I had a check bounce due to insufficient funds. I was charged an overdraft charge of {$36.00}. I was unable to pay the {$36.00} so they started charging me {$7.00} everyday after that. On XXXX XXXX I spoke with someone from the bank and they waived {$98.00} in fees which put the negative balance down to {$130.00}. He told me to pay what I could and to get it paid up as soon as I could so that the account can be closed. On XXXX XXXX I pay {$14.00} to bring the negative balance down to {$120.00}. Since that time I have received several calls from PNC bank and I have told them that I will pay {$60.00} on XXXX XXXX and will keep paying on the balance until it is a positive balance. Today on XXXX XXXX I have noticed that they have started to charge me the {$7.00} each day. How is XXXX supposed to pay this off when they keep doing this. I am on a fixed income and doing the best that I can to get this paid. Why ca n't they just let me pay this off and stop charging me more fees. I know that it has been over a month but I am doing the best that I can do. Please help! I have filed a complain previous to this and I thought the issue was resolved. I am reopening the case back up again.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Payday loan () with World-Wide Communication Center (MD).
Issue: Can't contact lender

Complaint: Received a call at work alleging I owed a payday loan with XXXX taken out on XX/XX/XXXX ; when I requested documentation to be emailed, the caller ( XXXX ) claimed it could not be done for several hours. The caller claimed to have contacted my home on XX/XX/XXXX, my phone records show no calls on this date. I advised the caller I had not taken out a loan with this company and it is illegal to contact my place of business. The caller requested my credit card information which I declined. The caller called from WWCC located in XXXX, XXXX and is not licensed to do collections in the State of XXXX and in accordance with XXXX 's statute of limitations for debit collections is three ( 3 ) years which has expired as of XX/XX/XXXX. Again, I have not done any business with XXXX or any entities associated with 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 07-03-2017 about Debt collection (Medical debt) with Aargon Agency, Inc. (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I sent a letter to XXXX in XX/XX/XXXX so they could verify what company sent me to their collects and they sent me documents from a hospital but I never had a contract with Aargon so I 'm not sure how they were able to send me 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 01/15/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I am filing a complaint because my mortgage payments are missing. I have had XXXX dollars paid on my behalf to Ocwen from XX/XX/XXXX to XX/XX/XXXX. My loan balance in XX/XX/XXXX was {$120000.00}. My balance XX/XX/XXXX in {$110000.00}. I am missing XXXX of payments applied to my account. My balance should be XXXX. I have called Ocwen on several occasions but I have not gotten a response. In addition, I have attempted to apply for a Principal Reduction but I have not gotten any response from Ocwen. I will have to sell the house because my mortgage is not adequately serviced by Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Credit card () with SYNCHRONY FINANCIAL (MA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: GECRB/AMAZON PLCC has been reporting an account to which is NOT mine. Following it 's discovery I submitted a demand for validation of debt and following their failure to do so, I sent the a motion to bring complaint under XXXX XXXX XXXX XXXX for unfair and deceptive practices and acts, to that they have also failed to respond appropriately. The company has violated multiple State and Federal laws in regards to FACTA and FDCPA regulations and suggest strongly that they are held accountable for said actions and sited for all violations in accordance with Federal Statutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/29/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage on my home is serviced by Ocwen. I believe Ocwen is ripping me off. 

I have a thirty year mortgage with an initial loan balance of approximately {$150000.00}. After making twelve ( 12 ) years of payments, my current loan balance is approximately {$140000.00}. Where have all of my mortgage payments gone? Ocwen has added huge fees to my account and refuses to correct the balance. 

Also, my escrow account is incorrect. I completed a personal bankruptcy and repaid everything 100 %. The Judge in my case declared my mortgage account and escrow completely current. However, Ocwen says I have an escrow shortage of over {$3000.00} even though I made all of the required payments in full and on time. Ocwen refuses to correct my escrow account for almost a year. Ocwen is trying to run me out of my house by incorrectly increasing my payments to cover the incorrect escrow shortgage. Furthermore, Ocwen violated the Fair Debt Collection Practices Act in Court. 

My mortgage loan balance is incorrect. Ocwen appears to have added huge amounts and fees to my loan balance even though I have been paying on my mortgage for twelve years and I am current today. 

I have been working with OCWEN for over a year now and I can not get my mortgage account and escrow account corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CT).
Issue: Loan modification,collection,foreclosure

Complaint: I recently received a XXXX form for tax year XXXX from Wells Fargo indicating that I had been charged for mortgage insurance and real estate taxes. This form is for a house I no longer own. Its foreclosure was recorded XX/XX/XXXX, in Volume XXXX, Page XXXX of the Town Clerk 's Land Records in XXXX, Connecticut. 

The XXXX indicates that I paid {$1900.00} in real estate taxes to the Town of XXXX for this property, which I did not. It also claims that I paid {$840.00} in mortgage insurance premiums for this property, which I did not. 

For over a year, Wells Fargo continually invoiced me for homeowner 's insurance on this house. They only stopped when I filed a complaint here. That complaint number was XXXX. 

I am concerned that the filing of this XXXX with the IRS may create difficulty and confusion for the IRS when I file my XXXX taxes. More importantly, though, Wells Fargo, after repeated requests on my part for the organization to cease all contact with me, after my specifically informing their representative last time ( from Case XXXX ) that I considered such continued contact to be both detrimental and abusive considering the personal difficulty that was my foreclosure experience, will not cease its continuing harassment of me regarding this property. Chapter XXXX bankruptcy has discharged all financial obligations I had regarding this property, and the XXXX XXXX Superior Court sustained an objection by my attorney to Wells Fargo 's motion for deficiency judgment, which had the effect of ending Wells Fargo 's pursuit of deficiency judgment against me. 

In addition to having Wells Fargo send a correction to the IRS noting that its filing of a XXXX on my behalf was an error, I want Wells Fargo to never, ever contact me, for the rest of my existence on this Earth, regarding any matter whatsoever, but especially regarding this property. I have utter disgust for this organization for its continued haranguing of me regarding this matter, which according to the law, thanks to bankruptcy protections and the end of foreclosure proceedings, I should not have to endure.

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 01-10-2017 about Consumer Loan (Vehicle loan) with EQUIFAX, INC. (GA).
Issue: Managing the loan or lease

Complaint: XX/XX/2016 I XXXX disputed XXXX late payments on my Equifax credit for my car loan company which is XXXX. I spoke with on of the supervisor with XXXX her name is XXXX XXXX who lied and gave me a fake confirmation saying that she talk with Equifax the loan will be place on my credit report. I called Equifax and Equifax informed me that XXXX have not submitted any paperwork. I had my lawyer to send Equifax and XXXX a certified letter to inform the companies about my complaint and once again both companies are not following the laws. As of XX/XX/2016 I have paid the total loan off and XXXX still havent place the loan for {$360000.00} on my credit report with out the XXXX late fee. My account # XXXX. I would like for these companies to place the loan amount on my credit with the late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Mortgage (Conventional fixed mortgage) with AMERICAN INTERNET MORTGAGE (OH).
Issue: Application, originator, mortgage broker

Complaint: We are attempting to refinance our home. I retired recently so my income dropped substantially. But my wife and I both receive a pension from our previous employer. XXXX different companies have " approved '' our loan early in the process, and got us to shell out {$450.00} ( each time ) for appraisals and a rate lock fee. Then, much later in the process they tell us our incomes do not support the amount we are trying to borrow at that term and interest rate. It seems easy enough to make this determination right up front. It would save the consumer the {$450.00} and the grief of sharing all kinds of very personal financial information, including social security numbers, with the mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NJ).
Issue: Getting a loan
Sub-issue: Qualified for a better loan than the one offered

Complaint: When I was a student at XXXX XXXX in XX/XX/XXXX, the XXXX XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX 's office pressured me to refinance consolidate my XXXX and XXXX loans to a XXXX XXXX loan where I would end up being required to pay over {$80000.00} to XXXX XXXX, now Navient, instead of the {$36000.00} to XXXX XXXX XXXX. I was out of work for a prolonged period to care for my daughter who was stricken with a very rare form of XXXX XXXX. XXXX XXXX and Navient pressured me, on several occassions between XX/XX/XXXX and today, to accept forbearance instead of deferment, and now the payoff amount is very high, and I feel that i was pressured and harassed, and that the lender did not work with me to provide me appropriate choices. Now I feel my families financial future is ruined, and I wo n't be able to pay medical bills for my daughter or save any money for my children 's college education. Now I am in default because I have been unable to negotiate an acceptable solution. I have paid the principal and quite a bit of interest, but feel it is unfair to pay Navient {$80000.00} for a loan of {$27000.00}. And it was unfair of them not to allow me to defer payments while my family suffered a catastrophic health care crisis. Please let me know how I can get some help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Debt collection (Other debt) with ProCollect, Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Pro collect shows up on my credit report to owe {$210.00}. 

I contacted the collection agency, at XXXX XXXX in attempt to pay the debt. When they refused to provide a proof of payment or receipt of payment by email for me I asked to speak with a supervisor or higher authority, the lady put a man by the name of XXXX XXXX on the phone, he refused to tell me his first name because he said that it is against their policy I went on to ask his position, he told me that he is a recovery specialist I asked if he was a manager or supervisor and he told me no. I told him that I specifically asked to speak with a supervisor or someone of higher authority and he told me that he could not allow that. He then stated my name to be XXXX XXXX I told him that is not my name and he then asked for my name. I said Im not giving my name since you have my social tied to someone else, he then said that there is two names and he just assumed mine was XXXX XXXX. I refused to give my name after discovering that a different name is tied to my social. He then began trying to force payment by asking for my card number while yelling at me that he was putting me down as refusal to pay. He continued to talk over me when I continued to ask for a supervisor. Repeating that he was putting me down as refusal, he told me there isnt a reason for me to speak with a manager that there isnt an issue. I told him that they have my social tied to a different individual and he just continued to yell that he has updated my status to refusal to pay and I stated again that I didnt say I was refusing to pay but that they have incorrect information against me. I never received anything in the mail, they didnt even have my address but asked for it.

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 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: One day I noticed late payments from Navient on my credit report. I immediately contacted Navient regarding the late payments and balances reported on my credit file. I even requested my promissory note and original documents, but was told that they did n't have them on file. Ultimately, Navient removed the late payments from my credit reports. However, the balances, which are extremely high, still reflects on my report. Navient did not remove these balances after learning they were in error by reporting them on my file in the first place, because my records showed that my student loans were in forbearance at that time. This has been very damaging to my credit due to the high balances of my student loans. In addition, Navient have failed to provide me accurate documentation reflecting those balances. I can say that my student loan balances have increased substantially after being transferred from XXXX XXXX to Navient. I 've complained about it to Navient but was told it was merely interest. My response was, " this is an unethical amount of interest. '' In closing, I feel like I 'm being ripped off. I feel that Navient is mishandling my loans. I 'm not even sure I owe what they claim I owe. How can I find out what is accurate and what is not? My hands are tied here. I do n't know what else to do. Can something be done about Navient?

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 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 information incorrect

Complaint: XXXX    XXXX    XXXX , is currently reporting a charged-off account that I am no longer responsible for. This company has failed to provide me with documentation, that I am responsible for this debt and this company is reporting information that is currently past the 7 year reporting period to all  XXXX  credit bureaus.

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 03/21/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Walmart credit card, by Synchrony Creitor, was stolen and used multiple times for purchases and cash back and I was made aware of suspected fraud through a courtesy email sent by Walmart. Upon checking my account in early XX/XX/XXXX, I became aware that my card had been stolen among other things on XX/XX/XXXX. I reported fraud to Walmart, they clarified the fraud, but never removed the amount due from fraud. I disputed error when notated on credit report, but results were marked with Accurate, and still remains a valid error on my account causing harm to my credit score.

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 12-04-2017 about Debt collection (Mortgage debt) with WELLS FARGO & COMPANY (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Wells Fargo home Mortgage loan # XXXX this loan was forged by Wells Fargo Mortgage Notary/Notary agent I have enclosed a document this is not my signature on the all California ALL purpose Certificate of Acknowledgement I did not sign nor agree to this nor did I give any one permission or power of attorney to act on my behalf I 'm in the process of taken legal issues on forgery by the bank am
d other issues

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 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: 1. I provided the credit card company XXXX XXXX  and all 3 credit bureaus a copy of the receipt of the credit card being paid in full. The credit bureaus keeps sending me a response from the credit card company XXXX XXXXXXXX, stating, " I did not state what I 'm disputing ''. 2. Also, some credit inquiries are being reported more than 1 time. Also, I did not authorize all of the inquiries on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Experian is currently reporting voluntarily dismissed chapter XXXX bankruptcies # XXXX XXXX and XXXX in my credit file. Experian responded to my complaint filed XX/XX/2015 and stated that " The FCRA allows for the length of time information may appear on a consumer 's personal credit report ''. And " The bankruptcy dismissed/withdrawn status will remain on your report for seven years from the filing date. " The is a vague, fabricated statement which is not accurate and complete. There is not any clear language in the statue that states an voluntarily dismissed chapter XXXX bankruptcy should be included in an consumer file.

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