milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/16/2015 about Debt collection (Mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: XXXX XXXX XXXX, XXXX, as Indenture Trustee for the Registered Noteholders of XXXX XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) was to provide notice of assignment within thirty ( 30 ) days of alleged acquisition of my note and mortgage in XXXX XXXX. But, never did such. My lender, XXXX XXXX XXXX, went out of business and shuttered its doors in XXXX. Yet, 3 years later Ocwen Loan Servicing , LLC ( " Ocwen '' ), modified my mortgage in XXXX XXXX and used a robo-signer to endorse the modification agreement. Then, 7 months after modification, Ocwen, with the assistance of MERS, prepared an Assignment in XXXX XXXX from XXXX Mortgage to XXXX. Thus, in XXXX XXXX no lender could have authorized Ocwen to continue to accept mortgage payments, better yet modify my loan and mortgage. Further, it was impossible for XXXX XXXX to authorize any real property transfers in XXXX XXXX since it had closed 3 years prior. Also, the Assignment that Ocwen prepared was for a transfer from XXXX Mortgage to XXXX. However, an endorsement is affixed to an Allonge wherein my loan transferred from XXXX Mortgage to XXXX XXXX, so my loan could not have transferred from XXXX directly to XXXX. Next, the Assignment prepared by Ocwen in XXXX was largely executed by robo-signers : XXXX XXXX, XXXX XXXX, and notary XXXX XXXX. Last, the Assignment is executed by MERS in its individual capacity ( by an Ocwen employee ) and not as a nominee for any party. But, MERS was never my lender and thus not the party to transfer my mortgage from itself to any other party. Consequently, there was no valid assignment of my loan and mortgage from XXXX XXXX prior to its closure in XXXX and Ocwen has clouded my title with its illicit conduct. Despite the fact that XXXX has not obtained the legal right to foreclose my mortgage, in XXXX it commenced a foreclosure action based on the above described fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: I attempted to open an online CD account XXXX ... I had trouble w/their web site, called them ( XXXX XXXX ) got hung up on & locked out of my account before it was established. I was abused w/ " security questions '' then more by EXPERION ( XXXX XXXX ) these were questions from over 20 years ago ( where did I live 20 years ago ... .street address ) I am XXXX do n't remember the number, who would? my XXXX XXXX sored, I got XXXX from disbelief on how I was being treated, no other bank/financial ever put me through this ... .and they ask for is your social security # too much!, I had identity theft because of a bank, this is security abuse and out of controll. Experion has WRONG info, OLD, outdated info & are unresponsive, profiteering & should be put out of business, they also make me carry my X-husbands credit info on my report from 20+ years ago! disriminatory/unfair! XXXX is over kill/abusive in security .... banking/financials/credit reporting/security is OUT of CONTROLL & WRONG! ... 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 02-08-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (WA).
Issue: Loan servicing, payments, escrow account

Complaint: A company supposedly affiliated with my mortgage company is requiring me to get flood insurance when we do not live on a flood plain. There is only a phone number in the XXXX to call and they refuse to tell me anything or who is responsible. They do say they are affiliated with a company that sells flood insurance. There is only a XXXX XXXX to respond to. I have forwarded documentation to them that we are not on a flood plain and sent it certified mail, but they sent a second letter saying they are buying it for us and charging it to our escrow account. I have also sent duplicates to the president of Nationstar with no response either. They are going to bill us more than {$2000.00} if we do not show proof of flood insurance. The last time this came up, supposedly our former mortgage company was using a third party called XXXX who apparently was using wrong flood maps. We have checked with our county and with the main surveying company in this area asking about getting a Letter of Map Amendment for XXXX, but were told that we should not have to spend the {$1000.00} to get it done as we are not on a flood plain. It was suggested that this is a scam being perpetrated on people who live in areas where there have been minor floods in the past year. None of our neighbors received anything from their mortgage companies and judging from the complaints filed against Nationstar, there seems to be questionable practices against their mortgagees. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2016 about Debt collection (Credit card) with SOUTHERN MANAGEMENT CORP. (OK).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I get phone calls and letter for a collection agency trying to collected money for bills who I did n't know was on collection. I get multiples phone calls treated me of jail. I never received a bill for the previous company with an amount to paid. I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer. According to my credit report this account was closed on XXXX/XXXX/12. and I just received recently some calls from collection agency after almost 4 years and half without any news from this company.

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 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (UT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had a vehicle loan with Chase Auto finance. I paid my loan off over 3 years ago and it is still reporting on mine and my husbands credit report as charged off {$2200.00}! This is not correct! We had the vehicle since 2008 and paid it all off in full. I really need this to be updated on our reports. I have tried to fix this in the past with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (DC).
Issue: Loan servicing, payments, escrow account

Complaint: A letter dated XXXX XXXX, 2016, from Nationstar Mortgage stating that ( XXXX ) I 'm currently behind on my payments which put my mortgage at risk. ( 2 ) It 's important that you contact Nationstar immediately before the foreclosure review process is initiated, which could lead to loss of the property. If you are interested in an option that would allow you to leave the property and avoid foreclosure, the Mortgage Release Program below can provide a graceful exit.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage Servicer has not accounted for payments received and disbursed from my mortgage escrow account properly since XXXX XXXX through XXXX XXXX. Account balance based upon numbers that they have provided in Section 6 Your Escrow Account History for the Past 12 Months is more than {$10000.00} off for the above-mentioned time period. The numbers on this legally required annual escrow disbursement statement in no way are correct. Ending and Beginning Balances from year to year do not match. There is no disbursement showing for my impounded homeowners insurance, yet references are made to it. Payments into the escrow account are supposed to be the same each month, according to Item XXXX Projected Payments into Escrow ; yet for some unexplained reason around XXXX of some years the amount deposited is greater that the projection. 
Even taking into account homeowner 's premiums that more than likely were paid there is still over a {$5000.00} discrepancy.

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 10-11-2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: CENTRAL FINL CONTROL ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, CA XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CENTRAL FINL CONTROLor any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CENTRAL FINL CONTROL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: A default judgment is appearing as a collection account on XXXX, TRANSUNION, AND XXXX.It is appearing as a collection perhaps to avoid properly categorizing the account as a public record due to AGREEMENTS BETWEEN CREDIT BUREAUS AND STATES ATTORNEYS GENERALS enacted within recent years.In addition, the date of first delinquency has been re-aged.THE DOFD coincides with the date of judgment entered ( ATTACHED COURT RECORD ) which would be impossible considering the nature of the debt, ie : back rent and holdover.The debt was many months prior to the stated DOFD.ALL THREE BUREAUS after numerous disputes permit a false re-aged date of first delinquency and permit a miscategorization of debt, and allow these inaccuracies to fly in the face of their ATTORNEYS GENERALS AGREEMENT, CREATING A LOOPHOLE FOR ACCURACY DEMANDED BY THE FCRA.THE DISPUTED ACCOUNT IS : XXXX, XXXX XXXX XXXX XXXXACCT NO.  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 05/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: This is in reference to  a Costco card issued through Citi. At a Costco location, I needed to add myself to my business account which already existed. Instead of adding me to the account already opened, the issuing location erroneously/fraudulently established a separate account under my personal information, resulting in a separate hard credit pull, and an additional credit line open to me personally. I have attempted to resolve this with Citi o n  XXXX / XXXX / 17  at  XXXX . They said that they were  unable to reverse the hard pull on my credit. Citi advised me to close the account that had erroneously been opened in my name, helped me add myself to my business account, and encouraged me to contact the C FPB.

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 05-11-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because equifax has ignored my request to provide me with the documents that were used to " VERIFY '' the account I disputed because they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA- they are required to delete all information that can not be verified, that I have disputed. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal identifying information was exposed in the Equifax data breach. I am listed as a potential victim on the equifaxsecurity2017.com website and would like a resolution. I had to pay {$10.00} each to XXXX and XXXX to place a freeze on my credit reports with those bureaus ; I froze my credit with Equifax as well, it was offered for free. The problem is that the PIN to unlock the freeze for each of them may be reset with the same information that was leaked in the data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (Medical) with Simon’s Agency, Inc (NY).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I get some medicals bills who was send to collection without my knowledge. I was with XXXX and always paid my co-pay to each of my visits. I never received any invoices from medicals institutions asking me to make any extra payments of {$260.00}. I want all this medicals bills to be removed and a XXXX balance also I want the collections to be removed. I request that the collections calls to be stop, I am on the Do not Calls List and still received some blocked number or XXXX all the time. Simon 's Agency inc get XXXX accounts with different amounts due report to my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Equifax shows  XXXX  open disputes for the same item  XXXX   XXXX  's creditor ). I disputed the balance and credit limit online however when I tried to attach documents and error message appeared. So, I called and was told to fax the documents. I faxed the documents  X/XX/17    and the  XXXX  information was updated on  X/XX/17   . HOWEVER, they did not close the original dispute. Even though I 've explained it is now correct thanks to them. One rep told me the online system actually did accept my docs even though an error message popped up and that when I faxed the docs their system automatically created a  XXXX  dispute. They refuse to close these disputes which have already been processed and corrected and seem to be reading a script that says I " have to wait until the  30-45 d ay period is over before the disputes are removed. '' As of today diputes #  XXXX  & #  XXXX  are both open and need to be closed immediately as I am trying to obtain a mortgage and these open items are blocking anyone from running my credit reports. In addition, I submitted paperwork via fax to remove an erroneous Tax  Lien  and they said they 're not sure that " released as erroneous '' means that they should remove the lien but instead it might mean that the issuing creditor should never have listed it as released so they are leaving it on my report. They did not read the rest of the letter from the creditor which states that " the above liens were ISSUED IN ERROR. '' Not sure how anyone can mistake that erroneous means it was an error. Thank you! : - (

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Bank account or service (Other bank product/service) with PNC Bank N.A. (MD).
Issue: Account opening, closing, or management

Complaint: I opened a new business account with PNC Bank on XXXX XXXX, 2016 and then chose to enroll in their Merchant Services ( contract was signed XXXX XXXX, 2016 ). At the time of enrolling I was informed by their representative ( XXXX XXXX ) of the cost the fees to use the hardware for the term of my 4 year lease ( $ XXXX/month with ownership of device at the end of the term ) but was not informed about the potential for further monthly fees for using the associated software on the device. I was intending on replacing my current XXXX service with the XXXX station but was not informed that to make the XXXX function as my XXXX, I would need to purchase an additional software bundle that would cost me an additional {$29.00} a month for the lifetime of using the unit. Had I been fully informed about the potential for these additional fees I would not have signed the contract as it would not have been a sound business decision for me at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Debt collection (I do not know) with The CMI Group, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine. 

I do not recall this account. Please provide documentation with my signature and services rendered validating that this account is mine. 

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid.

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 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax allowed my personal information, including social security number and other vital personal information, to be breached and divulged my information without my consent. This greatly impacts me, as it sets me up to be a victim of identity theft. I have worked hard to maintain good credit and Equifax, either due to negligence or direct intent, has made it possible for my credit to be ruined.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Mortgage (FHA mortgage) with CROSSCOUNTRY MORTGAGE INC (OH).
Issue: Closing on a mortgage

Complaint: My complaint is about a mortgage application and closing. During the home purchase process, i applied couple lenders and was informed that due to my visa status, i was only eligible for an FHA loan.I got approval from the  Cross Country  loan company for my home purchase and i submit all required information and documentation. I informed C ross Country about my visa status and submit  all related legal documents too. After their approval on  XXXX   XXXX    XXXX  , i continued with the purchase process, paid for inspection, paid {$450.00} to  Cross Country  for appraisal. Closing date scheduled was  XXXX   XXXX    XXXX   and on  XXXX   XXXX , i was informed by my real estate agent that there was a problem with my loan. Cross country then disclosed that i was ineligible for an FHA loan due to my visa status, just 2 days before closing date. After a research and discussions with other lenders, i found out that i was actually eligible for the loan. I paid {$1000.00} additional earnest money and extended the purchase contract, transferred the loan to another lender,   XXXX   XXXX   XXXX  . We also transferred the appraisal from cross country but we were unable to use it therefore i paid for the appraisal again. Not to mention inconvenience about my other arrangements for moving, my current rental place and costs associated with those. Eventually, as of today  XXXX / XXXX /  XXXX  , i got the loan from  XXXX  and successfully purchased the property.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I do not have a specific dates, but I was added to my mom 's credit card as a authorized user and it is not showing up on Transunion or XXXX  and I would like it to be reported accurately. XXXX is reporting the information correctly.

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 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently pulled my credit report and found a lot of information that was incorrect. I called each credit bureau, some things they helped with and some they did not. They advised me to contact the companies about the unauthorized inquiries. I called them, and they had no record of me on file applying for anything. I also sent letters to each bureau regarding this matter, and have gotten no response. At the time some of these inquiries were made, there was a fraud alert currently active on my credit file. I have included the pages from my credit report I received from   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