milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/14/2017 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax continues to report a negative account ( XXXX XXXX ) on my credit report for which I was only an authorized user ; I had no payment responsibility on this account and it should not be reporting on my credit report. I have disputed this with all of the credit reporting agencies, including Equifax, and the account has been removed by all of the agencies except Equifax. This account is having a negative impact on my credit scores and is preventing me from obtaining necessary financing. 
I disputed this previously and Equifax responded with an inane response that did not address the issue I am disputing. I request that the CFPB instruct Equifax to either justify the erroneous reporting with documentation or delete this account as requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/22/2017 about Debt collection (Medical debt) with Avadyne Health Holdings, Inc (IA).
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint: On XX/XX/XXXX I was served with papers that XXXX XXXX XXXX XXXX was filing to collect XXXX dollars for a couple of medical bills that I had defaulted on. I was given 20 days to respond. I called XXXX XXXX XXXX XXXX  on XX/XX/XXXX and asked if they would settle on the XXXX and we could work it outside of the judgement. I was told they would " submit '' the request for a settlement but would not have an answer that day. I was told at that time that we would be able to work something outside of the judgement and if we came to an agreement, the judgement would not take place. On XX/XX/XXXX ( exactly 20 days later ) they heard back that the settlement was rejected and then called me on XX/XX/XXXX. 

At that time I had defaulted on my 20 days after saying they would work with me, but needed to get an answer on the settlement. At that point when they called me to let me know they did n't have the settlement offer, but still would be able to take a payment. I was left to believe that we still had come to an agreement without the judgement. I paid them {$1000.00} and told them I could work out some arrangements to payoff the rest, but could not do the full amount they had listed with other accounts. 

That same day the XXXX County ( Iowa ) Court ruled a judgement against me and put it into affect on XX/XX/XXXX. 

My complaint is that XXXX XXXX XXXX XXXX knew about the 20 days, they gave me a false understanding that the judgement would be removed if we came to an agreement. They then held their response until after the 20 days and now are saying I owe them more money due to court costs, interest, etc. They gave me a false sense of understanding that an agreement had been made to keep the judgement from moving forward. Because of this, I thought things were taken care of here in XX/XX/XXXX. 

I recently ran my credit report and saw two things from them. So I called in today and found out that I owe more than those two things on my report due to the judgement. They were not willing to work with me and I did not have any idea that anything was still going on with the judgement. 

The fact that they told me we could get an agreement and settle without a judgement, and the fact that they got a response on the settlement at the 20 day mark and then called me back on the 22nd day is very convenient for them. At this point it looks very suspect on their actions, how they choose to deal with it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: During my 3-year period as a XXXX, I had chosen to place my loans in deferment, which is an option that is allowed, and is interest-accruing. When I finished XXXX and my partner and I were applying for a mortgage, the lenders identified numerous accounts that had been reported to credit bureaus as delinquent. The time period in question was early XXXX months where I was still actively a XXXX. I wrote to Navient to dispute the delinquency, with all the required paperwork, and was denied to have the bad reports removed. I am still struggling to raise my credit score to where I can get approved to buy a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NY).
Issue: Taking out the loan or lease

Complaint: Paid off my auto loan in full i have a letter submitted it to the original sender XXXX. However it is not being shown on my credit report i would like some assistance removing this remark.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I have a first mortgage with Ocwen Loan Servicing LLC . my payments are due on the XXXX of each month with a grace period without an additional fee on the XXXX. Due to my payroll schedule and other bills that re due before this payment I choose to make these payments on the XXXX and sometimes a few days sooner. I always use my online bill pay to make these payments and receive confirmation that the bills are paid from my lender. Sometimes, but not consistently, I receive notification via email that my payment was received by Ocwen. However, recently, as of about 4 months ago, I have been receiving letters in he mail from Ocwen looking for remittance on my payment. The letter offers me credit counseling services and at the bottom states : " this communication is from a debt collector attempting to collect a debt ; any information obtained will be used for that purpose. However, if the debt is in active bankruptcy or has been discharged through bankruptcy, this communication is not intended as and does not constitute an attempt to collect debt. '' I am not in default, in fact my payments are made each month without a late fee. Since I am allowed the grace period, I should not be harassed by these letters of collection. When I get these letters I worry that my electronic bill pay was not processed timely until I check my account. I would expect such a notice if my payments were currently in default or extremely past due, which they are not. These letter should be sent on a case by case basis, not as a general mass mailing and only for those that show as delinquent. I am aware that my payments are calculated based on the XXXX of the month and there may be additional interest added to the term of the loan. But I am given the right and the option of a payment made on or before the XXXX of the month without a late fee. Do you send these letters out to people that make their payments on the XXXX, XXXX, XXXX, XXXX ....? Technically anyone who falls within that grace period would be receiving these and that is not right. We are aware of the terms of our loans, trust me, if we incur a late fee it definitely makes us aware. I 'm sure you have customers in default to the point that they are in the foreclosure process. I do not qualify as part of this group. I would like the notices to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: This is about Checking account with Bank of America. We ( myself and wife ) have been using this account from past XXXX years to deposit salaries, pay for utility bills, credit card bills and lot of other day to day stuff. One day, without informing us they froze our accounts as they needed more information ( name, address, phone number etc ). Freezing of account occurred during XXXX week of the month - exactly when all BILLS and credit card payments were scheduled. Due to this unannounced freezing, none of our bills got paid and we end up incurring late payment fees and more importantly, affected our credit history. This action not only created payment delays but created lot of unnecessary stress to me and my wife and affected our outstanding credit history.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-01-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (VT).
Issue: Application, originator, mortgage broker

Complaint: My daughter recently applied for a mortgage through Wells Fargo in XXXX Ct. I owed her approximately {$5000.00} so for her closing I transfered this money to her. Well Fargo then required I provide the account number this money was transfered from. In addition they requested a copy of my bank statement for the month showing the transfer. They did not provide any privacy information or tell me how this would be used. I felt that this could be part of a scam and preferred not sharing sensitive account numbers. They would not allow the closing until this information was provided. They still have not sent me their privacy and sharing policy. I feel this was an invasion of my privacy since I was not the XXXX applying fpr the mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Resurgent Capital Services L.P. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Ive spoken with XXXX XXXX several of times in regards to an account with XXXX XXXX that doesnt belong to me. The name on the account is different than mine and Ive sent over information to them previously advising that the last name on the account isnt mine nor have I ever had the last name of XXXX. They were supposed to remove this incorrect information off my credit a year ago and its still reporting. I do know that they are in violation of my rights per FDCPA. I am now at the point of hiring an attorney and filing a lawsuit for wrongfully reporting inaccurate information that doesnt belong to me, and theyve been giving information proving that. They have 30 days to resolve or I will be pursing with filing suit.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. The XXXX XXXX XXXX XXXX  XXXX credit card account : XXXX is lost/stolen, and all of the charges/transactions are fraudulent and unauthorized. The following hard inquiries are fraudulent and unauthorized : XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/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 non-monetary relief
Consumer complaint received 03-05-2018 about Debt collection (Other debt) with ERC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: The account that is in question ( Enhanced Recovery CO L for XXXX XXXX ) opened on XX/XX/2017 with a balance of {$520.00} was entered into collection. The debt collector did not have an accurate address on file. Therefore I did not receive proper notice. I have been willing to pay the account off in full but the debt collector refuses to report to the credit bureau to delete the item from my credit report. XXXX XXXX XXXX the original debtor failed to pay XXXX off after I switched to XXXX XXXX XXXX ( Promotional Claim ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Debt collection (Other debt) with GreenSky Trade Credit, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Over the past three weeks, we have been getting repeated phone calls from green sky financial. We went through XXXX in order to finance our solar panels. We never received a billing statement, and so when they called to say the amount was passed due, we asked for billing statement. On three different occasions, the billing statement was ordered but could not be processed due to insufficient information quote on the end of the lending institution. Over the course of the past three weeks, we have received over 20 phone calls telling us the amount is past due. We have not had any luck ceasing the phone calls Despite the fact that the bill is now paid and we still have not received the billing statement. This is harassment.

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. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: On XX/XX/XXXX I sent letters to all 3 credit bureaus outlining inaccuracies on my credit report that needed to be removed and deleted including an account with a company called XXXX XXXX XXXX, Transunion and XXXX both responded that they deleted this account because they were unable to verify this account with the creditor. XXXX failed to respond so I sent them new paperwork onXX/XX/XXXX making the request again also requesting that if they find the account valid, I request proof. XXXX did respond, however, they said that the account was verified without showing any evidence of the verification. I find it hard to believe that none of the other companies ( Transunion or XXXX ) were able to verify this negative item and XXXX was different. Evidence is required by law or it must be removed. On this same date XX/XX/XXXX, I also sent new requests for corrections on data to Transunion and XXXX and both companies have failed to respond to my requests for those changes and today is XX/XX/XXXX. This is unacceptable and a violation of my rights as a consumer.

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 01/25/2017 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (IL).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX XXXX, I applied for the removal of the PMI insurance on my home based on the increase in value of the home. By letter from my mortgage servicer, PHH Mortgage, dated XXXX/XXXX/XXXX, the PMI was confirmed removed. The letter also stated that the PMI was paid in arrears so I may owe a final payment but that " as of the date of this letter, no new PMI charges will accrue to your account. '' It seemed reasonable to take that to mean that as of XXXX XXXX, XXXX, even if I owed a final PMI payment, it would at most be prorated for the first 7 days of XXXX before the PMI was canceled. 

When my XXXX mortgage payment posted on XXXX/XXXX/XXXX, a charge of {$320.00} was listed as a payment of PMI. My normal monthly PMI charge prior to this date was {$170.00} so I was charged an extra {$140.00} for PMI in XXXX. I called my mortgage servicer to find out about this extra {$140.00} payment and was originally told that this was due to the fact that PMI is paid in arrears so I was being charged for the PMI that accrued in XXXX. Here 's the proration math : {$170.00} ( normal monthly PMI amount ) divided by 30 days in XXXX = {$5.00} ( rounded up ) per day. Assuming I was charged for 7 days in XXXX, this would mean a prorated amount of {$40.00} ( {$5.00} x 7 days ). This obviously does not equal the extra {$140.00} I was charged. When I walked through the math with my mortgage servicer, no one could explain the discrepancy but just kept telling me this was the amount requested by the PMI company, XXXX, and that it was prorated. As the contract for PMI insurance is between my mortgage servicer and XXXX, I was told no one from XXXX would speak to me to explain the extra {$140.00} charge. For this reason, on XXXX/XXXX/XXXX, I requested my mortgage servicer request a breakdown of the {$140.00} from XXXX. I was told to call back in 7-10 business days. On XXXX/XXXX/XXXX, I called to follow up on this request and was told they had no activity in their systems showing a request to XXXX had been made or that any response from XXXX had been received. 

Between XXXX XXXX and XXXX XXXX, I made XXXX calls to my mortgage servicer totaling approximately XXXX hours and no one was able to give me a sound explanation for the extra {$140.00} that I was charged when my PMI was canceled. The mortgage servicer does n't see it as their problem because they do n't have to pay the bill and because of the contractual relationship between the mortgage servicer and XXXX, I can not receive any information/explanation for the extra charge. If a consumer is being charged for something, there must be proof of the validity of this charge. After many hours of trying, I have been refused this proof and told I would never receive it from either my mortgage servicer or 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 08-04-2015 about Mortgage (Conventional fixed mortgage) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Settlement process and costs

Complaint: I got an offer for refinancing from Capital One Mortgage. I called them, they went over the terms and I requested further information. I got the paperwork in the mail, and all over the paperwork it said, once you sign this and return it, you are accepting our good faith offer. I never signed anything. I asked if I could have an extension on turning in all the documentation they requested from me, they immediately charged my debit card {$450.00} for closing the loan. I never accepted the loan or good faith estimate so this does not seem legal. When I asked the loan agent, I was told that they would not refund my money but would maybe consider reopening the mortgage but the interest rate had gone up. I then asked the agent if it would make sense to pursue a refinance where the interest rate difference was .25 % ( one quarter of a percent ). and I NEVER HEARD FROM HIM AGAIN. I did contact XXXX, Capital One 's response was that they were not changing their position and were keeping my money.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2018 about Debt collection (Other debt) with CCS Financial Services, Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was paid to original creditor before debt should've been sent to the collector.They added the account to my credit report on XX/XX/2018 and I want it removed from all reporting agencies. Confirm with the original creditor XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MS).
Issue: Loan servicing, payments, escrow account

Complaint: Coming out of Chapter XXXX Bankruptcy XXXX 2015. Instructed by XXXX. that Bankruptcy satisfied and mtg. payment should be paid to mtg. co. starting XXXX 2015. Mtg. payment madeas scheduled and in XXXX 2015 loan turned over or bought by new servicing co. where mtg. payments will start to them in XXXX 2015. Mtg. payment made to new servicing co. and I find out that prior servicing co. turned over a {$5000.00} delinquency. I have provided all the court documentation from the Bankruptcy and copies of all payments made after Bankruptcy closed and am now going into month 4 with current mtg servicing company and the " 5 year requested audit I made in writing to them and XXXX '' has yet to be completed. I was told by XXXX that their our time limits for them to comply. I was also told that the prior servicing company had no obligation to submit their documentation to XXXX. I am writing to your agency to stop " this blame game '' and get the audit completed. The new servicing company is indicating that I may be responsible for " Fees '' associated with this. Is that correct? How long does the current servicing company have to comply with the audit? The servicing company that fraudulently submitted the arrearage to the current servicing co. is Ocwen Mortgage. The new servicing company is XXXX, XXXX Also, please provide me with specific time allowance for mortgage servicing companies to comply with customer requests. Thanking you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Debt collection (I do not know) with Alorica Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We get repeated phone calls for debts that we have nothing to do with from a company called Global Receivables. I have called them multiple times and asked to be taken off the list and they have refused to stop calling us. The agents are often aggressive, nasty and use profanity. When we tell them we are not the debtor, they ask us if we know the debtor and become even more aggressive. 
I have blocked the phone number, but they just change phone numbers. I have contacted an attorney who is trying to persue a civil remedy, can you helpus with this PLEASE!!! Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
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: I have tried to resolve this matter regarding an alleged debt with   XXXX   XXXX   and the credit bureaus. However I have been assisted in no way by any of the mentioned parties. I have never had a  XXXX  account. I contacted the company and ask them to provide me with a contract that would show I agreed to any sort of terms and conditions and they failed to do so. They provided me a partial bill that had some sort of return deposit, early termination fees, and usage charges for a number that does not belong to me. What they failed to provide me with is a contract or any documentation that I signed. After receiving no resolution with  XXXX  I then contacted the credit bureaus my credit report was updated as account meets FCRA requirements but no documentation was provided to me on how they validated this account. After th e 2nd att empt my report has been updated to say reinvestigation accounts meets FCRA requirements consumer disagrees.

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