milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-03-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I tried to refinance my home from a 1st and 2nd mortgage. I got it done but the second mortgage holder Ocwen Loan Servicing LLC placed a lien on my property because of a mistake they made. They charged me through my home owners insurance co. This was suppose to be for an escrow with them which I never HAD with them. Now they are harassing me to pay them for the error they made in order for them to move the lien from my property. I do not owe them anything. I feel they made the error they should correct it with out me. I had nothing to do with it. {$88000.00}. There is not a escrow on a second mortgage. They called it a Escrow Advance. What?

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Statebridge Company (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I 've been dealing with an impending foreclosure by a bank that has not at all been willing to work with me, fudging the numbers to make it look like I can not afford my home and exaggerating the modification amount so I wo n't qualify. I have equity in the property. They are saying that the loan to value ratio is too high and if it is more than 70 %, they will not modify. This is not the case at this point in time. They 've been going forward with the foreclosure while I 've continued to submit modification documents several times. We now have an auction date of XX/XX/XXXX. 
I am a single mom, XXXX, trying to modify or at least stay in this house for another year, or at least until next fall when my daughter enters college. My attorney has informed me that his firm is usually able to work something out with the various banks, but my bank just wo n't budge, even though I earn enough money in XXXX paycheck to pay the mortgage. 
At one point, the bank sent my check back to me stating that if I could n't bring the balance current then they did n't want my check. I never missed a payment, but was about {$300.00} short every month as the crash of XXXX negatively effected my income, leaving scarce work, but it was temporary. We had an agreement but the the mortgage was sold off and my options became slim at best. 
Most recently, I received a letter saying that my home was going to be sold at auction on XX/XX/XXXX, right before the holidays. My attorney has been able to defend me and buy me some time but I need more time or a chance at a fair modification. He tells me this particular group are very shrewd and take advantage of people in my situation for profit. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Payday loan () with CURO Intermediate Holdings (LA).
Issue: Charged fees or interest I didn't expect

Complaint: I apply for a loan online an was approved, but did not know that the interest would be daily added. I thought it was a signature loan. Then I did n't know that at the time the company was not registered in my state. They have tacked on high interest that I can not afford I have paid already on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have called Navient several times over the course of the last few years to get help lowering my payment but they keep saying there is no way to do so. I 've been paying on my XXXX since 2004 and I have a child in college and am having a hard time swinging all of the payments. I 'm not asking for something unreasonable as I 've made payments of {$250.00} a month for years and never missed a payment despite my loans being transferred from the government to private companies. Just some reasonable assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (VA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: NEW COMPLAINT UNRELATED TO ANY OTHER CASES Credits not received.     Credit from  XXXX  on  X/XX/2017    for  XXXX . Never received.     Credit from  XXXX  on  X/XX/2017    for  XXXX . Never received.

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 01-01-2017 about Debt collection (I do not know) with Convergent Resources, Inc. (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently received a letter from convergent outsourcing an outside debt collection agency for XXXX. I do n't owe any such debt to this collection agency nor XXXX..You will also see attached documents of this alleged been sold to XXXX different collection agencies within a XXXX day period. Convergent sent a settlement offer and the company a demand for balance in full or they would report a negative mark on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I wish that the consumer fraud bureau review this complaint and act upon it, PLEASE DO NOT FORWARD IT to the XXXX organization for they did nothing. Ive been trying to get a modification of my mortgage with wells fargo home mortgage for approx. 2 years now. They committed fraud and intentional delays several times by not responding to me within the 30 days with either an approval or a denial. This I have proof of and wish it to be provided to the consumer fraud bureau as well..

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Problem with fraud alerts or security freezes

Complaint: My social security number was compromised in the recent Equifax security breach. I 've attempted to contact all three credit agencies to place a credit freeze on my accounts. XXXX was able to process my request over the phone. Equifax ( the company that allowed my information to be compromised ) was not able to complete a credit freeze via phone ; I called and the line went to a busy signal and disconnected 7 times before I gave up calling. XXXX was unable to process my request and said that I need to call back between XXXX and XXXX eastern time - this is very difficult for me, timing wise, and I 'm confused why I ca n't submit a credit freeze via an automated system. I do not choose to do business with any of these three agencies. My relationship with them is coerced and forced. Yet I can not even get them to place a freeze on my credit? When I have been made aware that my credit information has been compromised? How is this not criminal? It 's a XXXX joke and it needs to be fixed. If my information has been compromised ( along with another 139,999,999 people ), I need to be able to safely put a hold on all of my credit so that nobody who has criminally obtained my information can open any new credit and if 2 of the 3 agencies responsible for this are unable to complete my request via phone during normal business hours in my home state of Arizona then something needs to change. I also attempted to request my credit report online for all three of the agencies and NOT A SINGLE ONE was able to complete the request online. Are you XXXX kidding me? Not one of 3 agencies could provide me with the FEDERALLY MANDATED credit report I requested and only one of the 3 was able to put a credit freeze on my accounts, as a result of this verifiable security breach of Equifax. This is seriously embarrassing and needs to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I contacted  XXXX ,  XXXX  and Equifax asking them to remove my public records, tax liens and bankruptcy off of my credit. It is still on there and I am wanting it removed. Under the new law effective   XXXX   XXXX    2017 any public record data must include name and address as well as SSN and DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy and tax lien listed does not include this information and should be deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Debt collection (Payday loan debt) with Precise Financial Group, LLC (WI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Precise financial is reporting to the credit agency that my first date of deliquency is XXXX FCRA states date of removal starts on first deliquency if they are not original creditor how could this be if this was placed for collsction in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (GA).
Issue: Fraud or scam

Complaint: I am a customer of Rush card. XXXX XXXX they updated their system and since that date I have had no access to my money. Today is the XXXX. I have lost my car insurance my lights were turned off and I am about to lose my home. Also my vehicle tag expires today. My whole family has been affected by this. I have XXXX children that now arein the dark. I have called customer service to only be hung up on or told they can not find my account. I have also been told my mom ey is on my card but still remain to get insufficient funds on receipts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NAVY FEDERAL CREDIT UNION (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: After speaking to credit bureaus I was told Navy Federal Credit Union report my payment of XX/XX/XXXX, for the month of XX/XX/XXXX late after speaking to a Navy Federal rep. She assured me that Navy Federal will correct the two lates and it have yet to be done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 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: Account status incorrect

Complaint: I am reaching out regarding predatory practices on behalf of the company XXXX XXXX that seek to damage my credit. With the exemption of XXXX in which account XXXX XXXX # XXXX is removed, this said account has been charged off and closed. Additionally, XXXX and Experian report this account as closed in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The lender ( XXXX XXXX ) is attempting to ILLEGALLY re-age a closed, charged off account. According to the FCRA, the beginning, first date of delinquency can not be changed once an account is charged off. Once a charged off account reaches 7 years, then the credit bureaus must purge the account from your credit history. XXXX XXXX has ILLEGALLY re-opened the account in an attempt to reset the 7 year clock. It is illegal for a creditor to change the purge from date on a negative account by reopening the account so that it remains on the consumer credit report. 

In light of the lack ethical practices on behalf of XXXX XXXX, incorrect payment history, incorrect account status, I am requesting that this account is REMOVED from my credit reports immediately. I have disputed this account several times and both XXXX and Experian have failed to adequately investigate my dispute after verifying these accounts which I know are inaccurate. The lender is attempting to illegally re-age the account. Consumers have the right to be protected from unfair credit practices ; hence I am requesting reparations by the account being removed. Please remove as soon as possible to avoid further damage to my credit and my reputation with creditors. Thank you again for your time. 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
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX , va XXXX inquiry from XX/XX/XXXX I have not authorized these inquiries on either of my reports. I would like for them to be deleted from my XXXX, my XXXX and my XXXX  report.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Macy 's Debt Collection XXXX is contacting, an employee of XXXX XXXX who does not have a Macy 's credit card and attempting to get her social security number and asking her about other people who work at XXXX XXXX once they learned she does not have a Macy 's account. They call 3x 's per day and go thru the IVR to get to her extension. It is very annoying and disruptive. It seems like a scam to get information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Deposits and withdrawals

Complaint: I deposited two checks from large corporations that I have deposited from previously. Wells Fargo put a hold on the checks the next morning saying they would not go into my account for a minimum of at least a week. When I called the bank to see what happened Wells Fargo said it could be longer than a week before I would get my money. Wells Fargo said they were n't sure what was wrong. I never sign the backs of my checks when I deposit in the ATM but Wells claimed that was the problem. Then Wells claimed the 2 entities that wrote the checks did n't have the money in their accounts to cover the checks. Later an extremely rude branch manager told me I was over drawn ( I was not ), and that was the reason the deposited checks were being held. Everyone I asked gave me a different excuse but no one was willing to help me get to the bottom of the problem. I was finally told by Loss Prevention that I needed to get verification letters from the banks that wrote the checks. I did this and Wells called to verify one check, which was then funded into my account. The other check had been canceled by the company that wrote it. The following Monday Wells debited my account for the canceled check. I called to tell them they could n't debit my account for the canceled check because it was never funded into my account. It had been held and never funded. The customer service person told me " it was never held. It was funded into my account the day I deposited it. Just look at my account online. '' They had manipulated my account and removed any evidence of the hold and made it look as though they had funded both checks into my account the very day I had deposited them!! I still have emails and a letter that was snail mailed to me for proof of the hold.

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 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DE).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax-Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. ''

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Debt collection (I do not know) with Convergent Resources, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Convergent Outsourcing, Inc. has contacted me regarding a debt from 2004 and stated that I may just have been unaware of it. I have had no notices of collection or any indication of it on my credit report and they can not give me any more information on it other than I should file a police report since I think it is fraud. Since the statute of limitations for debt collecting in the jurisdiction of New Jersey is 3 years I consider this fraud and with no documentation from them I do not believe that I should have to pay this.

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 07-11-2017 about Checking or savings account (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (IL).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: Hi I am writing to complain about some money that I lost in a BMO Harris account. I tried to make two payments for my auto insurance to XXXX XXXX. After almost a week my XXXX XXXX account still have not received payment. I contacted XXXX XXXX and got to run around so I just put a stop payment on both payments. I was then charged for for total stop payments. The amount in question is around {$800.00} So then I tried to initiate two more payments to XXXX XXXX. The money was again deducted from my account but XXXX XXXX never received the payment. I never saw the deducted amount again and I finally had to close my account with BMO Harris because I was afraid that after being double-charged and losing money that they would do something even worse. I have contacted BMO Harris and they do n't know anything about the {$800.00} which was deducted for a second time and never paid. They just state that it was covered by the original stop payment. So somehow I think they were applying to stop payment to my second attempt at payment and then deducted the funds and just plain lost them. Please advise and thank you 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
Consumer complaint received 12-01-2016 about Mortgage (Other mortgage) with SUNTRUST BANKS, INC. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: We have our loan for primary residence with Suntrust, which is responsible for making timely property tax payments from the escrow account. Since our property tax was adjusted higher, Suntrust made payment that was less than the required amount. As a result we were assessed penalty & interest by XXXX county. Even after notifying Suntrust about the shortfall it took them 4 weeks to make the payment - and all along the bill was accruing interest. We make our tax payments into Suntrust escrow so we should not be held liable for any accrued interest and penalty.

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 02/27/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I filed an original complain to remove this derogatory mark on XX/XX/XXXX. In the response to that claim XXXX XXXX, XXXX stated that the debt that does belong to me. XXXX XXXX, XXXX also stated that they send and the mail to me which I never received. My last name is spelled incorrectly and the last 4 digits of the phone number listed are not the digits for any member of my family plan. 

My payment history with XXXX is included below to showcase that over the past year my balances were always paid off in full, including the payment in XX/XX/XXXX. 

I have spoken with a XXXX representative XXXX ( XXXX ) @ XXXX who assured me that my account is in good standing and has no issues at all and prompted anyone questioning it to contact him directly for references purposes, in order to confirm my statement. I've attached XXXX ( XXXX ) @ XXXX email

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 08-02-2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP 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 debt collection notice from Midland, a subsidiary of Encore from its attorney, XXXX XXXX XXXX. I requested the following : Explain and show me how you calculated the entire amount of what you say I owe ; Provide me with copies of any and all account level documents that show I agreed to pay what you say I owe to include original signatures. Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; If you purchased this alleged account, identify the SELLER you purchased it from and ALL PREVIOUS OWNERS. Provide me with ANY documentation which establishes your legal standing to collect anything from me. I was not provided with what was purchased, how the balance was calculated, what interest rate was used, etc. in violation of the Consent Decree that was entered into by Encore and the Consumer Financial Protection Bureau. I do n't know how these companies continue to conduct business by violating consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (WI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was told if I paid this debt they would remove the account from my credit report. They still have not done this and I have paid it and disputed the account. I want this removed from my credit report like the debt collector promised.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation