milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-05-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen loan servicing continues to report inaccurate and fraudulent information on my wife and I credit reports with all three credit bureaus. As of XXXX XXXX we agreed to a loan modification, at that time the loan was set to three trial payments, these payments were made on time, which then the loan went into full agreement. Since XXXX XXXX to XXXX XXXX we have made our monthly payments on time yet Ocwen continues to report information of no payments being made to the credit bureaus. Ocwen also has been charging fees sometimes up to XXXX in one day as you can tell from the payment history from Ocwen. Ocwen has not and continues to place our payments into a separate account even when there was a modification present and payments were made on time and Ocwen will still not apply payments the day/month they are received. Attached you will see Ocwens negligence in reporting fraudulently to the credit bureaus and documentation of payment history. As you make notice of Ocwens payment history sheet they are fudging payment dates and dates the payments were applied and the late fees, inspection fees and other non-explained fees are charged fraudulently. We request Ocwen report accurate information on our credit files and credit for all fraudulently charged fee 's. 

We have also disputed this through XXXX from XXXX Resource Center as XXXX is the note holder of this loan. We have been disputing this information for over 6 months through XXXX with no outcome. 

We request Ocwen Loan Servicing & XXXX to immediately stop reporting inaccurate and fraudulent information on our credit bureau and immediately send correct information to the credit bureaus and send a letter to every company that declined to offer credit due to Ocwen Loan Servicing & XXXX inaccurate and fraudulent reporting and fraudulently charged fee 's be credited.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX has names thats not me on reports also open account from XXXX XXXX date open shows XX/XX/XXXX is incorrect EQUIFAX has to account listed that does not belong to me i dispute 3 months ago they failed to show me that debt is mine i as to see validate fail to do that as well as showing XXXX XXXX XXXX OPEN XX/XX/XXXX NOT to be mine as well and a XXXX XXXX i never had any of these open XX/XX/XXXX 3 one is yes companies E open XX/XX/XXXX not showned validate for that i well on XXXX shows closed accout on XXXX XXXX XXXX open on XX/XX/XXXX has all been disputed nothing has come back to me on any of these all XXXX XXXX showing close as well but still reporting

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Making/receiving payments, sending money

Complaint: I was paying bills with my Chase when I clicked submit apparently it was just after their cutoff time. consequently I got a message saying XXXX of the bills were being submitted and XXXX were not. I did not understand the message so I called Chase to find out what the problem was. During this time the screen timed out and apparently the XXXX payments indicated were sent. XXXX of the payments to XXXX XXXX XXXX was for the wrong amount it should have been {$45.00} and was instead {$90.00}. I was eventually, after threatening to file this complaint, sent to claims. Short version of the story. they told me they could n't do anything because XXXX XXXX XXXX offices were closed. I was told, they would need to send a fax to XXXX XXXX XXXX to explain the issue and the funds returned to chase and placed in the correct XXXX bill payment account ( I have XXXX accts, XXXX for uvers - XXXX for home phone ). I have been on the phone for over an hour today trying to reach a supervisor in the claims dept to get this resolved and have yet to be connected to anyone who can help.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: BACK ON XXXX XXXX 2016 I RECEIVED A CALL FROM A LOCAL LOAN CO. WHICH THEY SAID IF I WOULD COME UP AND PAY THE LOAN OFF IT WOULD BE LESS THAN WHAT IT NORMALLY IS SO I WENET UP AND PAID IT OFF AND XXXX AND EQAFACTS AND PROBALY XXXX STILL HAVE IT ON MY CREDIT REPORT IF THESE COMPANIES DO N'T UPDATE THERE RECORDS WHY ARE THEY STILL IN BUSINESS BECAUSE THEY CAN XXXX ALOT OF PEOPLES LIFES UP THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Debt collection (Payday loan) with D2 Management LLC (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Someone keeps calling my husbands phone to collect a debt in my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Continental Central Credit, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This is regarding maintenance fees for our timeshare. and XXXX XXXX out of XXXX, CA. We were on auto payment and with no notice the company took us off and sent us to collection, XXXX XXXX XXXX in XXXX, CA. We have XXXX timeshares and they were both on auto deduct and the payments were about {$7.00} different from one another so we did not notice that they had stopped. We received 2 calls and collections was NEVER mentioned. They sent us to Continental Central credit who is charging us more than XXXX % in fees plus interest of the total amount due! How is this legal. So many industries are regulated and I find it hard to believe that they are n't. This is like loan shark fees I can imagine. We never signed anything agreeing to these exorbitant fees. We owe the money and would like to pay it but XXXX XXXX wont take any payments and in the meantime they are setting us up to fail. We believe these are UDAAP violations and that they want our time share back and are forcing our hand. The more time that passes the more the money adds up that we owe them. We were on a monthly since that is easier than having to come up with a lump sum. Looks like they are getting their way so far.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have been dealing with Navient for a year and getting different information from different people is getting exhausting. I spoke with a member of the customer service XX/XX/XXXX for a due date change. He could not help me so he transferred me to another department. I got transferred to XXXX different people that day and no one helped me. I got a call from consumer relations on XXXX/XXXX/2016 to resolve the due date change. They agreed to change my due date effective XXXX/XXXX/2016. He also said that because I had just made a payment, I would not have to pay again for XX/XX/XXXX, and I would n't need to make a payment until XXXX/XXXX/2016. Well ... I got an email XXXX/XXXX/2016 that I was still past due. I called to find out why, and the due date change went into effect for XXXX/XXXX/2016, so according to the system, I was past due. I made a payment on XXXX/XXXX/2016 and the representative informed me that she would pull the call from when I spoke with customer relations for the due date change, and follow-up with me in 5 days with what they heard as to whether or not he did in fact tell me that I would not have to pay anything else from XX/XX/2016-XX/XX/2016. I still have not heard anything regarding this and I do not want to call Navient, because I will only get the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have multiple times have set up a dispute for items on my credit report with Equifax and XXXX regarding fraud accounts and many inquiries on my cresit report. I have been a victim of identity theft since 2006. Recently I also learned my information was part of the Equifax breach. The following accounts need to be removed from my account and have not although I have provided a police transcribed report. 1.  XXXX XXXX {$2800.00}. 2. XXXX XXXX old account fir {$360.00} 3. On Equifax & XXXX XXXX XXXX XXXX for {$2800.00} 4. XXXX XXXX for {$520.00} there is also is XXXX inquiries that should be removed. My police report states XXXX XXXX as well as XXXX since the report only had these 2 items. Ever since the breach now the other 2 have appeared. Thet jave not pit the items in dispute nor does it state and its hard to get through tk them. I have requested multiple times to nlock these items from my report as XXXX has fixed the situation and removed the items in 24hrs with them having my police report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I know that I am in good standing with the collection agencies and they are not properly submitting the amount on my credit report. Prior to this as well I tried on several occasions just to pay it off and offer an amount and they refused that as well. I believe this needs to be taken off now and I should not have to pay this back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-02-2016 about Credit reporting () with ERC (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: THERE ARE SEVERAL INCORRECT ITEAM LISTED ON MY REPORT WITH A FAMILY MEMBER NAME NOT MY OWN. I HAVE CONTACT CREDIT BREAU IM NOT GETTING ANY HELP. IM TRYING TO GET A HOME WITHIN THE NEXT 30 DAYS IN BY THIS INCORRECT INFORMATION BEING ON MY ACCCOUNT IS HOLDING ME BACK

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 07-12-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had a credit card first from XXXX who sold it to XXXX XXXX. I disputed the charges and told them I did n't owe that much. The next thing I knew they went out of business and XXXX took it over. I disputed it to XXXX, then midland funding took it over I disputed it to them. I tried everything to get them to understand but it did n't matter how many times I talked to them they continually ignored what I tried to tell them. I asked for an account of all the purchases that were made from them all so I could see why they were charging me so much but was refused by all. midland funding promised to send it but instead filed a suit against me in court. This was after they promised to send me copies but never did. I sent certified and registered letters to them and was told they had 30 days to respond but, they never did. In XX/XX/XXXX I received papers from the court. I was told I needed to file an answer. I filed it and was told it would go to arbitration. They said I would here from the lawyer chosen within a couple weeks and that I would have a date for arbitration by XXXX XXXX. I did not hear from him until XXXX XXXX and he gave me 2 days to send him the money. ( {$500.00} ) During that wait time I received a couple more letters from midlands lawyer that I did not understand but had no more money for another lawyer and thought I would see them in arbitration. I then received notice that I had lost and there would be no arbitration shortly after I send the money. When I sent the money I told him the day he picked was fine and that I just needed a time so I could let my work no. I received a letter ( copy ) saying that I stated the date was not good for me which, was a lie. That was after not hearing from him in the time I was told I would. I believe he had already made up his mind before he sent me the letter to send him money. I never dreamed I would be denied arbitration. The lawyer that drew up the answer asked again for a list of purchases and told me if they did n't produce them then they could n't win. They did an end run on me to keep from producing them. I have been literally sick from all of this it is like talking to a wall with these guys. I t seems as all they see is dollar signs.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Trans Union Credit Report Agency has included in my personal credit report information from other credit information obtained by XXXX, XXXX XXXX XXXX, XXXX, TX XXXX phone ( XXXX ) XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX phone : ( XXXX ) XXXX and placed it in my Personal Credit Information files. Trans Union action to freely place such incorrect information from XXXX and XXXX XXXX is damaging to my financial records since these 2 credit report agencies : XXXX and XXXX XXXX have different methods to calculate credit reports beneficial to the consumer. I found Trans Union action to place the reports from XXXX and XXXX XXXX without my approval being ILLEGAL and damaging to my financial needs.

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 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
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 sent in a dispute on an entry on my  XXXX  and Transunion credit file that showed a Chapter  XXXX  bankruptcy. I asked the company to provide me with documentation for how they came up with this entry. I asked for validation of the entry.  XXXX  has not provided any such validation so I disputed it again. This time they wrote back saying that they would not investigate the matter anymore. This was printed on my credit report dated  XXXX   XXXX ,  2017 . The have not validated the entry nor have they provided any documentation supporting the validation of the entry yet they continue to knowingly inaccurately report the entry.  XXXX  has deleted the entry while the other  XXXX  credit reporting agencies continue to knowingly report false information.   According to the law, the burden of proof is on the credit bureau and/or the furnisher of the information. This means that I have the right, by law, to dispu te any item on my credit report that I feel is not accurate. Also as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), they have 30 days to complete the investigation. When the credit reporting companies (  XXXX ,  XXXX , and Transunion ) do not prove the listing on the reports are accurate and provide validation in a time ly manner when requested, by law the entry in question must be deleted. By not doing so they are in violation of federal law which can be punishable by a fine of {$1000.00} per violation if taken to court.

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 07/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: RECEIVABLE PERFORMANCE/XXXX has consistently troubled me over a debt of {$960.00} that I do not owe or have any prior knowledge of, as I 've never had any contract communications account with XXXX before. Their deliberate infusion of this account on my credit profile is impeding on my ability to currently obtain any credit. 

Receivable Performance must delete it from my credit report with deliberate speed. 

Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NH).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I graduated from school with around {$35000.00} in debt. Being a woman, I was never able to make enough to even make a dent in the debt. Men always made twice or more than me. For ten years, I was only able to make the minimum payments and that was only after years of economic deferment which grew the debt. Then I had children and have been unemployed for a long time. Navient took over my debt which has now grown to {$80000.00}. They have nearly doubled it and even added an extra $ XXXX because of my lateness. I am now XXXX, in my XXXX, and so broke I have nothing, own nothing, struggle every day. I have told them I ca n't make payments and likely never will be able to. I ca n't even live comfortably and often go without food. It has been over 20 years since I graduated from college. Navient refuses to help and even when I gave them all of the information they needed, they still refuse to help. This loan needs to be discharged. It has been 20 years. They just harass me and keep my credit destroyed. Even if I made minimum payments, I would n't be able to repay this loan until I am in my XXXX. It is horrendous. It is a crime. And the education I received did absolutely nothing to help me financially - the biggest factor being because I am a woman. We will never be paid fairly. I wish I had known beforehand that I would never be able to pay these loans back. But I was told it would be fine, I would make money, I would easily pay these loans back. I was told it would be easy. I was XXXX when I signed up for the loans, not knowing anything about money or finance. I was lied to and misled.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Debt collection (I do not know) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I was limited to options in selecting my dispute and complaint I am submitting. To clarify there is a bank " XXXX XXXX XXXX XXXX '' that is reporting a loan I had with them as Chapter XXXX Bankruptcy ... ..I 've never filed for chapter XXXX nor chapter XXXX bankruptcy and this information reporting is false and untrue. I have been disputing this with the credit reporting agency 's but need to wait at least 30 days before the disputes are finanlized. In the meantime my credit score is low because this remark is reporting. I 've tried to rectify and have this false information removed off my credit reports but to no avail. XXXX XXXX XXXX XXXX should not have reported that I did chapter XXXX. I am submitting this complaint because it is ruining my credit score with this false information and I want that remark removed off my credit reports. I am going to submit this complaint because XXXX XXXX XXXX XXXX XXXX is not listed to receive complaints. I am in hopes that CFPB could assist me in this matter.

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 01-05-2016 about Credit reporting () with Clarity Services (CA).
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint: On XXXX XXXX, XXXX I pulled my credit report form XXXX and noticed that Clarity Services have pulled my credit file without my permission and on be half of lenders I did n't apply to. These or hard hit inquires that will remain on my credit file for two years. Dates or as follows : XXXX XXXX, XXXX, twice XXXX XXXX. I opt-out on XXXX XXXX, XXXX from any and all promotional companies to review my file. 
Show less Account name CLARITY SERVICES INC Date of request XXXX/XXXX/XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Address identification number XXXX Comments Line of credit on behalf of XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XXXX XXXX. 
Show less Account name CLARITY SERVICES INC Date of request XXXX/XXXX/XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Address identification number XXXX Comments Line of credit on behalf of XXXX ( XXXX XXXX. This inquiry is scheduled to continue on record until XXXX XXXX Show less Account name CLARITY SERVICES INC Date of request XXXX/XXXX/XXXX Address identification number XXXX Comments Line of credit on behalf of XXXX ( XXXX. This inquiry is scheduled to continue on record until XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax have reinserted previous deleted information that was deleted for more than a year back to my credit report. Also the refuse to grant me use or access to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX Bank sent me an XXXX for {$2400.00} a credit card account back in 2014. I added it to my tax return and I thought they would update the balance with the credit bureaus. However I looked at my credit report today and it is still reporting a balance of {$2400.00}. This negative reporting is hindering my credit report and score and I would appreciate it if you investigated this account with XXXX.

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