milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/23/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Credit decision / Underwriting

Complaint: We issued Ocwen Loan Servicing a notice of void/rescission demand of a refinance for our principal dwelling, that was done in XX/XX/XXXX. We found out that the entire transaction was a sham. We agreed to an FHA Negative Equity Refinance loan. At the time we had no knowledge and were being pressured by XXXX to pay XXXX a month even though our payment was around $XXXX a month. While into our 3rd month of making these payments, Mortgage Services XXXX, offered us an unsolicited refi, at the bequest XXXX for the FHA loan. 
    We were told, that the loan would reduce our principal balance and lower our monthly payment. According to our final XXXX statement, our principal was listed at XXXX and our payment was listed as XXXX. According to the appraisal, our home's value was listed as XXXX. To qualify for an FHA negative equity loan, we had to owe more on the home than it was worth. According to the attachments, you can see this was not the case.
    On the Hud-1 It shows our principal balance as XXXX and our monthly was listed as XXXX. All of this information is blatantly false. The payoff statement from XXXX listed the payoff amount as XXXX with no information to explain why it was so much because the XXXX statement the month before stated our principal balance was  XXXX. 
   The Supreme Court Ruled that all a consumer must do to rescind a refi on a principal dwelling is to send the creditor notice. We sent Ocwen several and Ocwen is noncompliant on all of them. We sent the first demand to void the loan on  XX/XX/XXXX Ocwen sent us a denial and they did not file anything in court to declare they are the creditors within the 20 days they had to dispute the rescission. It has been almost 2 years and Ocwen did not file anything in the Court for a declaratory action, and because of this they have no recourse, the loan has been void since XX/XX/XXXX, as are the note and the debt. They are time barred to do anything at this point, they are in no way entitled to relief, and they still have not begun the process to unwound our loan, they have ruined our credit illegally, and they are going against the very thing Congress and the CFPB laws that are used to help the consumers. We had only to send them notice for rescission and from that point forward the security instrument Ocwen has is null and void. They have not given us any of our money, they have illegally ruined our creditor and they have been engrossing in improper litigation for almost 2 years, when a rescission is instantaneous. 
    The ruination of our credit has caused us many hardships, due to costly repairs that we have needed for our home, auto and healthcare. We went the entire XXXX with a broken heat-pump and now it is the XXXX and our A/C is broken and we can not get financing because of Ocwen and we can afford to replace it because our daughter has to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (CA).
Issue: Shopping for a loan or lease

Complaint: After searching online for a used hybrid vehicle, I found one that suited my needs and went to the auto dealer to test drive the vehicle. I expected to proceed with the process of purchasing that day with a down payment. I knew my credit score beforehand, which was rated excellent by XXXX of XXXX credit bureaus ( XXXX, XXXX ). However, upon running the credit check with the finance company, they initially declined me credit, being unable to produce a score. The reason the dealership surmised was because credit finance companies only look back at the last 7 years on a buyer 's credit report. My credit history is at least 16 years, with my last paid loan being a student loan from a year ago. The finance company wanted more down payment from me, which I increased by 33 %. They finally offered a loan, but at an interest rate of 10.1 % at 72 months. I was expecting a rate of about 4 % at 60 months. Given that my own bank had earlier declined me an auto loan as well, and given the reasons I discovered at the dealership, I took the loan, being told to refinance it after 6 months of on-time payments. What 's more, the sales representative who sold me the car said to open a few credit cards, even secured ones at first, to re-establish open credit, for which I currently have none. He said it should help in having the credit companies see how responsible I can be with credit, gauging it by my debt-to-credit ratio.

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 11/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I recently open an account with Citi Diamond Preferred. I was never sent a statement, neither by mail, or email. I contacted Citi on XX/XX/17 to inquire why I was never sent a statement. I was told by the CSR that I was enrolled in paperless statements despite the fact that I never enrolled in, nor agreed to, paperless statements. The CSR informed me that Citi would be unable to remove the {$25.00} late fee. I immediately instructed the CSR to close my account and I made the minimum payment for the amount of {$180.00}. It is also worth noting that my credit report is excellent, and my payment history is exceptional.

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 08-12-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax is stating that the information on the public record is accurate and closed the dispute. I know the information is accurate. My issue is that I filed a Chapter XXXX bankruptcy in XXXX XXXX, which means XXXX XXXX it has been 7 years and should be removed. XXXX and XXXX both have complied and cleared my record. When I called Equifax , I was told that because my Chapter XXXX was dismissed and not discharged, I have to wait 10 years for it to be removed. I have called and consulted with several bankruptcy lawyers and all have told me that the rule is 7 years for a Chapter XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Debt collection (I do not know) with Collection Bureau of America Ltd. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This Company Collection Bureau of America states i owe the {$170.00} on XXXX I have no signed contract with this company and no knowledge of this company and they trying to collect a debt i did not sign a contract with this company

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have repeatedly disputed XXXX XXXX XXXX XXXX tradelines that have appeared on my credit report for years as not my account. I have requested XXXX to investigate and verify directly and successfully sued them XXXX for violations of FDCPA ; each time XXXX paying me {$1000.00} for the violation but they continue to report these tradelines. XXXX has continually refused to remove and has confirmed they have XXXX documentation supporting these are my accounts but rather only that these accounts are on their books. I have served the credit reporting agencies written and online disputes and they continue to allow XXXX to report these fraudulent accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-08-2018 about Debt collection (I do not know) with EQUIFAX, INC. (IN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have an item on my Equifax report that is from a company called XXXX XXXX for XXXX. This is not mine for starters, and they have changed the date of delinquency on 4 different occasions, it appeared for the first time in XX/XX/XXXX and recently as of XX/XX/XXXX, they changed it to XX/XX/XXXX. Thus constantly moving the drop off date. 
It should drop off this month ... XX/XX/XXXX, but they changed the date. 
I have reached out to both XXXX and Equifax to no avail!! 
Please help. 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-02-2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: This original debt was included in my husband 's discharged bankruptcy ( X/2015 ) ... .the effect of the discharge is it is NOT enforceable on those community claims pursuant to 11 USC 524.

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 10/13/2015 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: XXXX XXXX XXXX filed a lawsuit against me in XXXX, 2015 even though the Statute of Limitations had expired. XXXX See attached copy of my letter to the arbitrator. ) It cost me {$240.00} to file an Answer in which I pointed out the fact that the SOL has expired, but a Judge in the XXXX Court of XXXX XXXX, AZ sent the case to an arbitrator anyway. The case is still pending and an arbitration hearing was scheduled for today, but PRS 's attorney decided to play by the rules and demanded 30-days notice, so the hearing has been continued but not yet rescheduled. 

I saw your lawsuit against PRS and the order that they dismiss all lawsuits filed after the expiration of the SOL, but these people are completely ignoring that Order and proceeding with this case against me anyway. What can I do to end this lawsuit AND get my {$240.00} back? Thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Debt collection (Other debt) with Investment Retrievers, Inc. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Debt Collector, Investment Retriever 's has manipulated accounts that have been reported as Identity Theft accounts from my credit report and re-reported them multiple times on my credit reports issued by  XXXX ,  XXXX , and  XXXX . By slightly altering the original account information on file including account numbers and account names and dates certain accounts have been re-reported or duplicated to appear on my report as another account with a different negative status. The original accounts are in fact closed, but by altering the date info the accounts also report as newly opened accounts that are past due. The purpose of this decietful act is done deliberately to damage my credit reports. As a result there are accounts reported that do not even exist that are essentially replacing the accounts that have been reported to the FTC as being Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Navient confirmed loan, however did not address statue of Limitations

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CO).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: Today, XXXX XXXX, 2017, I logged onto my checking account from my home computer and viewed my transactions. I wanted to print out the front and back of a particular check for my records. This did not work. I went to their FAQs and there was no answer there for my problem. After 10 minutes on the phone with their automated telephone system for handling online checking issues which had no telephone menu item related to my question and which put me on extensive hold, I called the branch office I use. 
They told me that I have to come in physically to a branch and have the check printed out there. This is outrageous. I am XXXX and not able to drive today. It used to be the law that banks had to send the customer the canceled check with his/her statement each month. Then the procedure ( law? ) changed and banks did not send the canceled checks but told the customer to go online to their statement and print out the canceled checks from there. Now Wells Fargo is refusing to do let me print out the canceled checks for my record and they are not sending me the canceled checks either. This is interfering with and delaying the customer 's ability to have accurate records. I would not be able to go to court to prove what happened with a particular check or show a merchant.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: Debit card number and pin number somhow obtained and used to withdraw money fraudulently. Bank of America account and they denied claim and will not reinburse funds fraudulently obtained. Also have requested numerous times for evidence leading to their decision and to date have received no documentation on matter. I have been on the phone speaking and holding for many hours trying to resolve and have gotten no where. I have only one debit card and was used by me and fraudulently geographically about XXXX miles apart within approximately one hour which to me shows that a fraudulently made card existed and was used. Some how Bank Of America decided that no such card existed and continues to deny the fraud claim. The fraud which occurred from XXXX XXXX to XXXX XXXX of XXXX totaled about {$2100.00}. Also during these transactions I was never contacted by Bank of America XXXX department in regards to the unusual activities on account. This is odd because on most occasions if I travel from my home state of NY out of state my card will be shut off upon attempting to use if I do not issue a travel notice. I am now to a point that I believe Bank Of America is purposefully denying my claim repeatedly in hopes that i will give up and no longer pursue reimbursement. Given all the times, amounts and locations of transactions it is obvious that fraud has occurred and find it very difficult to believe that the professionals who investigated this claim did not come to the same conclusion.

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 05/23/2016 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (OH).
Issue: Fraud or scam

Complaint: A guy named XXXX called to offer me a refund for a computer program I purchased, {$290.00} on XX/XX/2015. I had to have it returned to a checking acct. with a debit card.He made the refund and then said it was to much the bal. after the refund was XXXX. He said I would have to go to a XXXX and return the difference.I sent him XXXX on a XXXX, and that was all the money I had in my acct.The deposit he made was a fake transaction.The firm he gave me was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2016 about Debt collection (Credit card) with DYNAMIC RECOVERY SERVICES, INC. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Dynamic Solutions XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX Attempting to collect zombie debt. I have filed a complaint with my State Attorney General, documentation was sent proving SOL has expired. 

Review found on the internet : Just received a call from this 'company ', robocall and then probably a 45 second pause to a live person asking for my husband. I said WHO IS THIS? The lady responds DYNAMIC RECOVERY SOLUTIONS? May I leave a message for your husband? I said no, this is a scam call, she said OK Mam, goodbye. Yeah, blocked that number. I do n't have unpaid debt out there. Probably something that 's over 15 years old. Ridiculous. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I received a call from a XXXX with Dynamic Recovery Solutions, He left an XXXX but also a local number XXXX on XX/XX/2015. 

He had ALL of my information. My previous address, my social security number and said I owed for a XXXX XXXX credit card. He said he would be sending me a statement in a plain white envelope. I called the XXXX XXXX credit card fraud division and they confirmed they found nothing with my name, address or ssn. 
I called XXXX back and he answered! I informed him I spoke with XXXX XXXX fraud division who stated they do not sell debt or use outside collection agencies. This fool says, they did this is a 14 year old debt! I said you have got to be kidding, I am calling the police and I have never heard from him again! And Ii never received that plan white envelope either.

Company response to consumer: Untimely response
Consumer complaint received 03/31/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I rented a residence from XXXX XXXX in XXXX MN. the rental payment was {$1100.00} per month. The property was located at XXXX XXXX XXXX XXXX MN XXXX. I rented the property from XX/XX/XXXX through XX/XX/XXXX with no late payments or other issues. XXXX XXXX informed me that that have an agreement with Experian Rent Bureau to report all rent payments on your credit report. However, the information is not showing up on my credit report. I called XXXX XXXX and asked if they could report the information and they told me to file a dispute with Experian Rent Bureau and they would verify the information and it would be reported on my credit report. I filed the dispute and Experian Rent Bureau told me they do n't do that they only monitor credit. They also said maybe when renters warehouse set up my account they did not click the button to submit my information. I reached out to XXXX XXXX again and they gave me the same information. Both companies are telling me its the other companies responsibility to report. I just want the positive credit information reported. If they are unable to report then they should remove any negative items, that seem to find a way on to the credit report very easily. This would significantly improve my overall credit score. I attached the emails back and forth between myself and renters warehouse. I have been trying to resolve this issue since XX/XX/XXXX. The contact information for XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX. I attached all the supporting emails.

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 06-11-2015 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (IL).
Issue: Managing the loan or lease

Complaint: I took out a Loan with XXXX XXXX in XXXX XXXX with a credit Limit of XXXX dollars. I paid faithfully until XXXX when the entire company disappeared. During the entire payment cycle with XXXX the principle somehow never went down. I paid at least a hundred a month for 4 years and they would credit it late or tack on some fee. It was horrible. I heard nothing from these thieves and without a place to pay, I just quit figuring that they would eventually tell me if I owed them. XX/XX/XXXX, I was contacted by a business called Springleaf Financial Service of XXXX IN and was told that they had been looking for me and mailing me offers to settle. This was absolutely not true. I have lived in the same house since XX/XX/XXXX and my contact information has n't changed except for my work phone number since that time. The collection person said that they had purchased the loan from XXXX. I told the collection person that I did not conduct business on my phone and had no idea who they were. I said if you believe I am the correct XXXX XXXX send me something that proves your claim. Springleaf Financial sent me a copy of the XX/XX/XXXX Loan Agreement. Nothing else! No Balance no payment history no balance? I do not know my rights and frankly I am afraid to deal at all with this company. The scariest part is that this revolving loan has a home equity attachment. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CONSUMER PORTFOLIO SERVICES, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have been trying to get this Hard inquiry off my credit for several months now. I have notified all 3 Credit Bureaus to get Validation of my signature asking this lender for credit. They keep responding with it is verified, but I do not know nothing about this company and has asked it be removed several times.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have not owe a home sent XX/XX/XXXX. XXXX County Kansas District Court, Case # XXXX, alleged that I owe {$4800.00} for KANSAS DEPT OF REVENUE. For a tax periods XX/XX/XXXX-XX/XX/XXXX. This was file on XX/XX/XXXX.The Status is TERMINATED .The Kansas Dept of Revenue file this case ( XXXX ) on XXXX/XXXX/XXXX on TAX they say were owe for XX/XX/XXXX. This case was file five years after the tax was due. THIS CASE WAS RE-AGES.I have upload a copy of the case documents ( XXXX ) from XXXX. 
PUBLIC RECORD. EQUIFAX CREDIT REPORT DOES NOT SHOW THE TAX PERIODS XXXX. THE DATE OF 1 ST MAJOR DELINQUENCY IS SHOW XX/XX/XXXX.THIS IS INCOMPLETE AND INACCURATE INFORMATION AND RE-AGES PUBLIC RECORD. 
I DID NOT OWE A HOUSE IN XX/XX/XXXX TO HAVE A TAX WARRANT FOR XX/XX/XXXX. MY CREDIT REPORT SHOW THAT I LIVE IN XXXX XXXX YEAR. AND I DID NOT LIVE IN XXXX COUNTRY. I LIVE IN XXXX COUNTRY IN XX/XX/XXXX. CREDIT SHOW THAT.THIS CASE HAS BEEN ON MY CREDIT REPORT FOR 16 YEARS.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Settlement process and costs

Complaint: I bought a REO property through an XXXX auction. The bank selling the property gave me a XXXX page contract stating what they would and would not pay for in the transaction. I consulted my lawyer and had a good understanding of the contract. The bank 's lawyer then told me and my Lawyer " do n't care what the contract says, our client is not paying any of these expenses. " I argued with the bank and they agree their lawyer was wrong about some items and offered to pay a fraction of the charges. I have not heard from them since.

Company response to consumer: Closed with monetary relief