milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (AZ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: From XXXX 20+ phone calls made 18+ representatives/supervisors 4 requests to have calls pulled 44 business days, 64 calendar days unresolved Company is claiming that our account was at one point 30-60 days delinquent and has reported this information to the 3 credit bureaus. It was reported on XX/XX/XXXX that the XXXX payment was 30-60 days late. We have had calls pulled and transcripts reviewed documenting that the account was never 30 days delinquent. This information was provided to us in letter form, outlining what occurred on the calls but is still being prefaced with there is no bank error and it is still the account holders error. 

XX/XX/XXXX - Account was opened. 
XX/XX/XXXX - {$84.00} payment due - payment made XX/XX/XXXX with live representative XX/XX/XXXX - {$84.00} payment due - payment made XX/XX/XXXX with live representative XX/XX/XXXX - {$84.00} payment due - payment made XX/XX/XXXX along with the XXXX payment with a live representative XX/XX/XXXX - {$84.00} payment due - payment made XX/XX/XXXX through automated system in the amount of {$160.00} XX/XX/XXXX - {$84.00} payment due - payment made on XX/XX/XXXX through automated system with XXXX payment XX/XX/XXXX - {$84.00} payment due - payment made XX/XX/XXXX with live representative XX/XX/XXXX - {$84.00} payment due - payment made XX/XX/XXXX through bank website XX/XX/XXXX - received notification that there was a change to our credit scores and found that it was reported our account was XXXX days late. We contacted the customer service department to find out what happened. On this call, the representative acknowledged there was a system error that post dated our XX/XX/XXXX payment to XX/XX/XXXX causing the system to think the account was late. The representative removed the XXXX late fee, submitted a dispute on our behalf to have the credit report error fixed, and assisted us with getting the payment processed that was pending and making the next months payment for XXXX. 

XX/XX/XXXX - it was reported to the credit bureaus that XXXX was XXXX XX/XX/XXXX - we were told that the XXXX payment is what was XXXX days late because there was no payment showing on the XXXX statement. No calls were pulled per request even though the XXXX payment was made on XX/XX/XXXX XX/XX/XXXX - we were told that the XXXX payment was 30+ days late. XXXX payment was made on XX/XX/XXXX On four different occasions, four separate representatives told us different dates that were late. We were told XXXX, XXXX, XXXX, and then XXXX in that order. There are inconsistencies from what they are telling us, what was discussed on the phone calls, and what they reported to the credit reporting agencies. 

Additional documentation attached.

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 06-12-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan modification,collection,foreclosure

Complaint: My husband passed away in XXXX of 2013. A couple months before he passed away, during XXXX, I had to file bankruptcy as we 'd lost his income for over a year. Prior to the bankruptcy, we had never missed any payments and our credit was outstanding. OCWEN Mortgage carried our home loan. After my husband passed away, I received proceeds from XXXX insurance policies. I tried for months and months and months to talk with someone at OCWEN to look at various options to reduce my payment so I could stay in the home. It was literally a merry-go-round. Then I received a letter introducing my new customer care person who was dedicated to personally assisting me in finding ways to work together. They would have me set an appointment when THEY called me. I was running a XXXX a month negative which I was pulling from life insurance proceeds. I offered OCWEN {$150000.00} ( my loan amount was {$320000.00} ) to restructure or refinance my loan to reduce the payment so I could afford to stay in the house. Because it was in bankruptcy status, they said they could not refinance or do anything to help or work with me. I sold my home and moved on with my life. I have never in my life talked to so many people within one company and received such a runaround. I later learned from an attorney, one of my XXXX, OCWEN was being sued in a class-action suit by a group of realtors. I was SO HAPPY and hoped those people got every penny from OCWEN. They were horrible to work with. He told me about the Consumer Financial Protection Bureau. Also after I just finished an article in Consumer Reports, I decided to try and get this out to the public so others hopefully will never have to go through what I went through. Be aware there are home mortgages loans offered under other names that actually are OCWEN. PLEASE be aware.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have creditors XXXX XXXX XXXX account number XXXX, XXXX, XXXX XXXX XXXX XXXX account number XXXX, XXXX and XXXX XXXX account number XXXX ... XX/XX/2005 which are 9 and 10 years old in which according to the FCRA, I can ask to me removed as they are too old to be on my credit report. Experian is refusing to delete and the company indicate that Experian did not dispute.

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 02/20/2016 about Credit reporting () with Credit Karma, Inc. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Tried to get my credit score by registering on credit karma and it keeps saying my personal information does n't match the bureau of records.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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 contacted ( and made disputes ) with Experian several times about an Fraudulent account appearing on my credit report. Every time I do an dispute with Experian the come back stating that the account has been " verified '' and the debt is mine. Which is completley false. Experian has not provided me with any proof of their investigation or proof that the debt is actually mine. The account in question is ... .. XXXX XXXX Account 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 explanation
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I call transunionabout multiple inquiry, coaf  XX/XX/XXXX ,.   XX/XX/XXXX , XX/XX/XXXX     XXXX   XXXX    XX/XX/XXXX .  XXXX   XX/XX/XXXX   XXXX   XX/XX/XXXX .  XXXX / XXXX   XX/XX/XXXX .  XXXX  set  XX/XX/XXXX .  XXXX   XX/XX/XXXX .   XXXX   XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX    XXXX     XX/XX/XXXX   XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX .   XXXX   XXXX   XXXX       XX/XX/XXXX   XX/XX/XXXX , XX/XX/XXXX   XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX  only supposed to be one not 3 times.    XXXX   XXXX     XX/XX/XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX  XX/XX/XXXX   XXXX   XXXX    XX/XX/XXXX   XXXX   XX/XX/XXXX   XXXX  XX/XX/XXXX  XXXX / mail  XX/XX/XXXX    XXXX   XXXX     XX/XX/XXXX only supposed to be  one not two times    XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX  XX/XX/XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX   XX/XX/XXXX , XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX , XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX , XX/XX/XXXX   XX/XX/XXXX .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (SC).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX the legal counsel for the alleged owner of my mortgage and note served by US Mail a 'Notice of Default ' on my mortgage. This notice quotes their compliance with the FDCPA and among other things lists five ( 5 ) specific items. Included is the name of the alleged debt/note/mortgage holder and my 'right ' to dispute this within 30 days. 

The true owner and holder in due course of my note and mortgage has been in dispute for over 6 years, and in an effort to establish the facts that would help me to understand 'who ' really has a legal claim against my note/mortgage, I formally responded to the request from the allege lender 's legal counsel, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX , SC XXXX. " Notice of Dispute and Demand for Validation of Debt and Proof of Claim, on XX/XX/XXXX. This request was signed for and delivered to the law firm mentioned above within the 30 days allowed to respond. 

As of the filing of this complaint, XXXX XXXX XXXX XXXX XXXX has not responded to my formal dispute/request and has proceeded with the attempt to foreclose on my home. 

In addition, XXXX XXXX XXXX XXXX XXXX has served me with a formal foreclosure, Interrogatories, Production of Documents and Admissions, all of which have been answered in a timely manner by myself. I am representing myself Pro Se as I do not have the resources to defend myself in any other way. 

This law firm is acting upon the direction of OCWEN LOAN SERVICING, LLC and indirectly XXXX XXXX XXXX. They are clearly a licensed 'debt collection ' company here in SC, and should be accountable for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently ordered my credit files and found this account on my credit reports. I have never had any account with this institution and do not know of any account ever opened with them. My personal details where compromised in 2012 when my wallet was lost and included ; credit cards ; social security card and driving license but was found and mailed to me.. Please verify this account and the information used to open this account My credit files report an address that is not known to me and there have been attempts to open accounts from an address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/27/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MO).
Issue: Loan servicing, payments, escrow account

Complaint: I have filed numerous complaints since XXXX of 2014 concerning OCWEN loan service and still they have not taken this issue serious. I believe they are in collusion with my condo association and XXXX XXXX and/or the law offices of XXXX XXXX XXXX XXXX. Ocwen paid XXXX XXXX {$21000.00} from an invoice from XXXX XXXX XXXX which they, should not have. I had no notice of this until, Ocwen sent me my monthly mortgage invoice showing I now had a escrow of approx. {$21000.00} and in effect doubling my mortgage payment. When I called Ocwen I, was connected to their office in XXXX. They told me that they paid XXXX XXXX County for back real estate taxes and asked then why? They had no idea why. I called our county government to find out if they had in fact received any money from Ocwen for back real estate taxes and why. They lady I spoke with had no idea what I was talking about because I was never late on paying my real estate taxes and not owing anything. I then called Ocwen again and told them of my encounter with our county government and claimed they did not know who was paid this money. After weeks of speaking to people from XXXX and trying to understand them I finally spoke with someone who could speak understandable English and he explained that Ocwen had paid my condo association that money because of an invoice my condo association had sent to them stating that I owed them money for fines and fees associated with me alter my condo. This was in litigation at the time and no settlement had been approved yet. Ocwen knows this and still will not acknowledge that fact. 
Ocwen has ruined my credit, threatens foreclosure and claims they did nothing wrong. This is not so. Ocwen has a record of foreclosing on people and has been sued by the federal government for over XXXX XXXX dollars and continues to be sued by individuals and class action because of their unethical ways of conduction business. I, myself am in the process of litigation against them the condo association and possibly others. I am seeking closure in this issue and for Ocwen to repay me for my pain and suffering. And, to clear my credit rating which has suffered because of Ocwen and others. I am also contacting my U.S. Senators of the State of Missouri to look further into this matter and see what action they can take against Ocwen. 
Because of Ocwen, XXXX XXXX, my condo association I, am unable to even list my property for sale. Ocwen is overcharging me with approx. 7 % interest. Because of Ocwen 's reputation they have suffered in the stock market. They seen an all time high of about {$65.00} to approx {$6.00} per share. 
Again, this needs to be resolved. I am afraid as long as Ocwen continues to perform as they do that, they will go bankrupt and not able to compensate me or anyone else and I will be left in the cold.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Billing disputes

Complaint: I set up bi-weekly payments on my account to cover each month 's payment, a payment was made on the bill generation date ( early ) so Synchrony charged me a late fee when I was actually early on the payment. I spoke to an agent who saw all the payments but was unwilling to correct Synchrony 's mistake so I asked to speak to a manager. The manager actually said to me " you made a payment early so we charged you a late fee '', I was appalled and even more so when she refused to correct the error the company has made. It 's obvious Synchrony practices unfair consumer credit activities and I will be filling a complaint with both the XXXX and the Consumer Financial Protection Bueau for charging me unwarranted late fees on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/18/2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Account opening, closing, or management

Complaint: While checking my USAA Federal Savings Bank checking account it was noticed that a person I was married to approximately thirty years ago was designated as an authorized signature on my account. This was done by USAA Federal Savings Bank without my consent and I was not notified by the bank. 
I called USAA Federal Savings bank and asked about this problem. I was told the Bank had a computer glitch and they had taken care of it, BUT some accounts had fallen through the cracks and I was XXXX of them. 
No apology, no compensation for violating the trust I had placed in that institution. 

I am not certain if I filed this complaint at an earlier date, but I have no record of a response from the Consumer Finance Protection Bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (SC).
Issue: Trouble during payment process

Complaint: failure to acknowledge QWR wishing 5 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX and XXXX are reporting duplicate accounts for the same account that has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 07-06-2015 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (MA).
Issue: Account opening, closing, or management

Complaint: Friday, XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX. XXXX XXXX XXXX XXXXXXXXXXXX : Synchrony Financial, CARECREDIT/SYCHRONY BANK XXXX XXXX XXXX, FL XXXX : CARECREDIT/SYNCHRONY, Cardholder Name : XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX, Total Interest Charged in 2015 : {$840.00}, Statement Closing Date XXXX XXXX, XXXX XXXX, hereby file a Bill Dispute. I am overtaken, to be aghast and outraged, that the Interest Charges are extremely excessive. Never have I been aware, or agreed to, the extent of Interest Charges imposed by the expiration of a Promotion Period. I am not aware that the expiration of a promotion imposed interest fees. I was first introduced to CARE CREDIT by my Dentist, XXXX XXXX XXXX. The conditions provided identified that payments made by the due date circumvented late fees and interest charges throughout the life of the loan. I am surprised that repercussions of an expired promotion were not clarified. Legally, this victimizes XXXX living on fixed income. At this magnitude, I may need to seek legal counsel for debt settlement. I am not willing, nor shall I discuss debt consolidation. Additionally, it behooves me to report this to the Federal Trade Commission, XXXX, and Consumer Advocates, for a potential class action suit legal settlement, due to conditions of excessive finance interest charges. Cardholder was informed that during the life time of loan, the only requirement was to meet monthly minimum due to defer interest and fees. Cardholder is misled. 

XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX : ( XXXX ) XXXX : Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX XXXX Telephone : ( XXXX ) XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I had a Bank of America cash rewards business credit card. The card had accrued around {$160.00} in cash rewards. The bank decided to close my credit card XXXX 2016 and has refused to pay me the {$160.00} in rewards earned. I have spoke with Bank of America customer service and wriiten to the BBB.

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 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with RoundPoint Mortgage Servicing Corporation (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I 'm currently in the XXXX XXXX and during the last 2 years, I was mobilized twice. My auto-payments were going on-time, but due to a technical glitch, my bank sent me a letter to physically contact the recipient and send the payment, but I was on XXXX and never got the letter. Though I had the money and gave it when I returned, they reported a 30 and 60 day late payment. After talking with a representative of the XXXX, I was told I could have those two late payments removed, as per the law, but I have not been able to do so. I was overseas. Now I 'm unable to get a Home Equity loan or refinance my home. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (IN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I saw a collection for Southwest Credit Systems on my credit report. I immediately contacted them requesting debt verification. I sent a letter requesting it on XX/XX/2016 and never got any documentation to verify this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2016 about Debt collection (I do not know) with ZENCO COLLECTION, LLC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This account is n't mine but they insist that it is mine and with my social. They are very nasty and threaten me in everyway

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed