milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/26/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Dear CFPB, I am writing to you because my mortgage company is refusing to help me keep my home, I requested for help and my mortgage company told me that they were going to review my account for a loan modification under the home affordable modification tier 2. 
Now after 4 months waiting for a decision, my mortgage company told me that the investor reviewed my account and due to my back ground it is not on their best interest to help me keep my home. 
I recently received a denial letter however I called them I told them I did n't agreed with their decision. so they told me they will not help me appeal the decision since this is the investors decision. 

Please help me since all im looking is to keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Debt collection (Medical) with AVANTE (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Debt was settled in 2010. Collection agency is using robo-calls to harass from number XXXX. Constant calls 3-4 times per day, always no voice on the other line, always immediately hangs up. When I contacted the company associated with the number it was the following : AvanteUSA, XXXX, TX. 

And they were attempting to collect an 8 year old debt that was discharged long ago.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The account was charged off and sold to a Debt Collection Agency. I have since paid the debt in full. My first issue is that the information reported is inaccurate and differs on all XXXX of the credit bureaus records. The second issue is that the account is showing a status of " late ''. The account is n't late. The account has been paid off. There are n't any pending payments they are awaiting. I 'm not late on payments. This is hurting my credit score. The third issue is that I 'm a NYS resident. In NYS paid charge offs report for XXXX years not XXXX years. According to the credit bureaus the account staut will not allow me protection under NYS law due to how the account is being reported to the credit bureaus. The information that is reported is inaccurate and misleading. The information as reported is hurting my credit score and will make it difficult for me to secure services at a competitive interest rate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2016 about Debt collection (Medical) with Phoenix Financial Services LLC (IL).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I learned about this collection agency debt thru my credit report. I received absolutely no prior mail with notice to try to resolve any matter. I looked up the phone number and called them. The person I spoke to was extremely rude from the beginning! He was yelling over the phone and interrupting me before I finish speaking, then HE hung up on me! Very unprofessional and did n't even get anywhere because as I said, he hung up the phone. Did n't even give me his name. I sent them a letter to try and settle the account even tho I truly believed this account was already paid. ( It had previously been in my credit report along with others, I made payments to a collection agency and they removed them all including this same charge. So I thought it was paid ) I still have n't received a response. This is affecting my credit score very negatively.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: Synchrony bank has several different credit cards for retailers like CareCredit, XXXX XXXX, Belk, And XXXX. I have all of these cards which I paid by mail for a long time. The trouble begin when I tired to pay online. One problem that was reconciled is an online payment to XXXX and CareCredit at the same time both payments were applied to XXXX so Care credit did not get any funds causing late charges. I called and this was taken care of. About two weeks ago I received a text message from Synchrony saying I had not paid my XXXX I never received a statement nor did I sign up for paperless, another late fee! Today I tried to go online to pay CareCredit was advised I had not registered my account. Tired to register account and then advised account was already registered. This is the kind of problems I continue to have with XXXX and they keep lowering my credit line, calling, sending letters then when you call it is to someone in XXXX who is very difficult to understand! Will you please check into their underhanded practices and help me I just want to get them paid off! 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 monetary relief
Consumer complaint received 08/17/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (OR).
Issue: Application, originator, mortgage broker

Complaint: Tried for two years to get a mortgage modification from Chase Bank Finally succeede in 2012. But only brought it down to 7 3/4 % Terms were that {$32000.00} would be forgiven each year for three years provided that we paid on time for the entire year. They said that we would be expected to pay taxes on the forgiven amount. No tax forms were ever provided even though I made several requests. Finally this year I declared the XXXX without the form. After XXXX XXXX they told me that the government said that we had to declare all of the {$96000.00} in one year. They said that they will pay to have taxes re done but no interest or penalties. By declareing the money all at once we hit the 30 % tax bracket. It is costing us an additionalo {$15000.00} in taxes. Is there anything that can be done to help us out? We received the modification because our finances were tight after my husband had XXXX and had to quit work.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have been working since XX/XX/XXXX for XXXX XXXX XXXX. My.credit report states that.I Have not worked since XX/XX/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 08/19/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Equifax has been ignoring the rules set forth in the FCRA. Back in XXXX XXXX I sent a dispute in for acct US Dept of ED. Equifax claimed they verified the account on XXXX XXXX, XXXX & I needed to contact the data furnisher for further verification. On XXXX XXXX, XXXX I sent the data furnisher a letter requesting all proper documentation verifying this account belong to me & I was liable for the account. I also wanted to know the methods used to investigate the account. I was n't convinced they account belong to me or was properly verified using the proper methods required in the FCRA. On XXXX XXXX, XXXX, US Dept of ED received my letter. As of today 's date I have never received any correspondence from US Dept of ED. On XXXX XXXX, XXXX I sent a complaint back to Equifax explaining that US Dept of ED has ignored my request for further information & they needed to remove the account from my report. It has been over 2 months now since my XXXX XXXX, XXXX letter was mailed. Equifax still shows the account on my report & has not sent me any correspondence as to why it has n't been removed. I would like this account removed at once ... it does n't belong to me ; there is no signed agreement between me & the data furnisher which I 'm aware of & Equifax has failed in doing their due diligence in protecting my credit. I would like this account removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Debt collection (Medical) with Professional Finance Company, Inc. (CO).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: On XXXX/XXXX/XXXX I received a call from XXXX ( would not disclose last name ) of Professional Finance Corporation of XXXX, Colorado about a debt of {$33.00} from XXXX XXXX XXXX. They wanted payment made over the phone. I refused not knowing whom I was talking to. I asked for details and followed up with XXXX ( would not reveal last name ) from XXXX. The file number was XXXX. Upon review of the file XXXX informed me that my insurance company had not been billed by XXXX and he would do so. Not trusting the system I went to Professional Finance Corporation in XXXX Colorado on XXXX/XXXX/XXXX and made a payment of {$36.00}. The original claim date was XXXX/XXXX/XXXX. In speaking with XXXX ( would not reveal her last name ) from Professional Finance Corporation XXXX XXXX, Colorado I was told they had made two other phone calls and sent me a letter as well. I received no phone calls or letter. I asked for documentation and XXXX informed me that I could not have that information. I was later sent a letter stating that the debt had not been reported to any credit reporting agency. I will follow up within 90 days by reviewing my credit report as suggest by XXXX of Professional Finance Corporation as a sufficient time for them to make any corrections. I received a statement from my insurance company XXXX on XXXX/XXXX/XXXX showing they in fact had been billed and that my co-payment was {$2.00}. I have made several payments to XXXX XXXX XXXX between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and ws never informed I had an outstanding balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint: After being alerted of the XXXX personal information leak I tried to set a credit freeze at the three big credit reporting companies. One of these companies, TransUnion, buried their link to the credit freeze service behind multiple pages and ads for their own " credit security '' service, making it very difficult and confusing to freeze my credit. On top of this, they are blatantly abusing their power by charging a fee to freeze my credit after this massive leak, which can be said for XXXX as well. This is not a run-of-the-mill identity theft case. It is a massive breach of personal information, and these companies already stand to make billions of dollars from credit freeze fees alone. There is no reason for them to be pushing their own services to take advantage of people in vulnerable positions.

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 06/13/2017 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: Old information reappears or never goes away

Complaint: I previously made a complaint with CFPB and got the response back that it would be removed. This account is now on my credit report twice now. It 's dropping my 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 10/20/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My card was stolen while I was hospitalized. I report the fraudulent use to Capital One. However, several of the charges were charged back to my account. Capital One advertises zero responsibility for fraudulent use but claims that because the chip in the card was used that I am responsible for the fraudulent charges. I have requested several times to the Fraud Department to credit my account, but requests have been ignored. My account is basically paid in full and should have zero balance. However, the fraudulent charges totaling {$460.00} is on my account, and I am being charged interest on fraudulent charges. In addition, my payment date and address was changed, and I questioned whether a duplicate card was mailed and/or a data breach at Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have filed a complaint against XXXX XXXX XXXX 7 or more times for this same issue. They falsely report payments as late then when a complaint is filed they admit it is wrong and remove them only to put the same information back on my account a couple months later. They are falsely reporting that I have 7 late payments.

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 01-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (KS).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Account was previously deleted from credit reports. Then recently re-inserted. The account has also been re-aged. I was never notified

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 08/14/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Using a debit or ATM card

Complaint: XXXX XXXX XXXX ordered something on XXXX internet and the chase bank operator said i had enough money in the account i ordered somthing from XXXX and i maid sure there was enough money in the chase acount the item was not sent i im pretty upset

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I only called Experian Credit Reporting agency to discuss my issue. Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I have a student loan that is in forbearance with XXXX XXXX. I spoke with my Personal financial Consultant on this matter XXXX XXXX XXXX ask me to get a letter from XXXX XXXX with my student loans showing they are in forbearance. I like to address the issue of Experian dropped my credit score while my student loans are in forbearance. The reason they say they dropped my scores because of a credit decrease was reported. On a student loan you can have decrease but my scores should have moved up not down. Also, a credit decrease happen on the limit amount but this is a student loan that does n't happen on student loans. I like to provide you the information that my loans are in forbearance.

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 11/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (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: My Chase United Mileage Plus credit card statement for XX/XX/XXXX, copy attached, shows a credit balance of {$10000.00}. There are 174 credit items listed. The XX/XX/XXXX item for {$3600.00} is the payment on my previous statement. Six items, for {$0.00}, {$99.00}, {$98.00}, {$89.00}, {$5.00}, and {$1.00} were previously identified to Chase as fraudulent. The last three credit items, for {$19.00}, {$14.00} and {$14.00} are correct credit items. The remaining 164 items are erroneous reversals of credit transactions I have previously paid for on my XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX statements. 

I notified Chase on XX/XX/XXXX of the serious error on my account and that it was going to cause serious repercussions on my credit standing. My dentist 's office called me to advise that {$700.00} I had previously paid on my account had been withdrawn from her bank account by Chase. I received a call from XXXX XXXX XXXX XXXX regarding my account. I advised the caller that my account, which I had closed, had been paid in full. The XX/XX/XXXX Chase statement show that four XXXX XXXX XXXX items totaling {$910.00} had been withdrawn from their account. Today, XX/XX/XXXX, I received a call from a collection agency regarding money I owed XXXX XXXX XXXX XXXX. 

I have contacted Chase weekly since my initial call. I have spoken to representatives in their Fraud and Recovery departments. The first Fraud person I spoke with told me all the items were fraud. The Recovery person told me my account would be corrected in a week. Subsequent calls all received unsatisfactory response. 

My credit rating has already been reduced substantially.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with American Collections Enterprise, Inc. (MD).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I want to file a complaint against this collection agency XXXX American Collections Enterprise Inc XXXX I requested a debt validation because these accounts just appeared on my credit report without any written notice to me or how I can dispute the debt or seek verification after five day of our initial contact, which is a violation of the Fair Debt Collection Practices Act section 809. They also stated to me that they were not the original creditor. 
Furthermore ; I do not think that I owe these debts. I spoke to XXXX XXXX who was very rude and would not provide me with the information that I requested over the phone, pertaining to which XXXX accounts numbers were listed on my credit reports, she said there was XXXX accounts that I had with them and all XXXX was on my credit report, which is not true. XXXX XXXX and XXXX XXXX was very evasive when I inquired about these accounts and not straight forward. XXXX XXXX and XXXX XXXX also told me that these accounts been on my credit report for years, which is not true. If you refer to the attachments that I provided, ACEI place these XXXX accounts on my credit report on XX/XX/XXXX. The Original Creditor that is listed on my credit report is ( XXXX XXXX which was purchased by XXXX back in XX/XX/XXXX. I contacted XXXX XXXX Maryland on XX/XX/XXXX and they could not provide me with any information on any of these accounts. As I 'm typing this letter to you I still have not receive any written notice or debt validation from American Collections Enterprise Inc to this date. 
I would like all contact from them to cease if they can not provide me with some validation and proof of them owning my account. I also want all accounts from ACEI removed from my credit report ASAP. I also filed a complaint with BBB Better Business Bureau which they responded saying that the validation of my debts were mailed to me on XX/XX/XXXX, which is a lie. I would like them to provide me with proof that they mailed me anything on XX/XX/XXXX Better yet, I would like them to mail me the debt validation again via priority mail asap. 

Please see all of the correspondence and attachments between us thus far.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Bank account or service (Other bank product/service) with OCWEN LOAN SERVICING LLC (CA).
Issue: Making/receiving payments, sending money

Complaint: What happen is that I was paying my loan to Bank then this entity sold the loan to another bank so i still sending my payment to this new bank and it happens to be that this bank is sending me a foreclosure letter when I 'm paying month to month they are phonies.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Inaccurate reporting by Equifax Legal Item XX/XX/2016 -- {$2000.00} Public Record Details Reference Number XXXX Court -- Date XX/XX/2016 Status -- Amount {$2000.00} Classification -- Type legalitems

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (CO).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: On XX/XX/XXXX we re-financed a loan that was held by Specialized Loan Servicing ( SLS ). We paid the payoff amount they told us to, in the time frame they told us to, and the closing went smoothly with no problems, questions, or issues. Eleven days later, on XX/XX/XXXX, we received a letter from SLS stating they would not close our mortgage until they received an additional {$580.00}. Furthermore, if we didn't pay that additional amount within two days, by XX/XX/XXXX, they would return our closing check, keep the loan active, and continue charging interest. I called SLS on XX/XX/XXXX to inquire about the sudden extra charges, and they said it was related to " additional interest that didn't show up, and a tax/insurance escrow shortage ''. They would not explain further. As I examined their latest numbers, I could not see how they came up with {$580.00}. To complete the transaction, I submitted to SLS a cashier 's check in the amount of {$580.00}. This charge seems inappropriate and unfair since we had already obtained from them correct closing figures and abided by their information.

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