milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/20/2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (MS).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen Loan Servicing had me agree to a trial period for modification. At the end of the trial period, I received a notice that I would need to pay over {$3000.00} to reinstate my loan. I submitted needed documents and I feel like I was mislead in the way it was handled. By them having me pay the schedule that they set up, I should not be behind anymore and my mortgage should me now current. However, they did not do that. They put me under a trial modification and then at the end told me I did n't qualify with no explanation other than an issue with the title that had nothing to do with me personally. I submitted the appropriate documents to them and they are still trying to charge me over {$3000.00} to get my loan reinstated. I was only behind XXXX payments of {$740.00} to begin with and then they had me skip a month before beginning the modification which was another {$740.00}. By my calculation, I should only be behind the two months I did n't pay seeing that they had me skip a month for the modification. I am a single mother of XXXX and working XXXX XXXX jobs trying to stay afloat. I can not afford to loose my home. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Mortgage (Conventional fixed mortgage) with Aldridge Pite, LLP (GA).
Issue: Loan modification,collection,foreclosure

Complaint: My house has already gone through the process of foreclosure. I was notified by my insurance company that XXXX requested to be added to my insurance account just a few days ago. Afterwards, I contacted XXXX and from there learned that Superior Court already had documents pertaining to a foreclosure, but I 'm still in the home. I picked up documents from a case that was filed and documents that show XXXX and others holding my title at this time, and I was never notified. The filing process started back in XX/XX/2016. Please see documents attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (IN).
Issue: Trouble during payment process

Complaint: XXXX XXXX XXXX transfer my loan to SPS servicing. For the last three years they have tormented me stating they dont have proof of flood insurance and I know they do because it renews in XXXX  every year and they have all the information. Every year they threaten to force place Flood insurance on me at the rate of {$4500.00} per year. I have provided them proof and they keep threatening. Most recently XX/XX/2018. Every time I call in there I get stuck talking to a person from a different country that can not understand English. 

When my loan was modified by XXXX XXXX XXXX they took advantage of me and my family financially ( by placing us in a 40 year loan that we didnt need ). Then they turn around And sell the loan to SPS Because they did not want 40 year loans on their books. 

It has been a complete headache in more ways than one. Please Help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Consumer Loan (Vehicle loan) with UNITED AUTO ACCEPTANCE (GA).
Issue: Problems when you are unable to pay

Complaint: I brought a car from XXXX cars. It turn out to be a lemon. XXXX went out twice. The first time they came they fixed it. Not even a week later something went wrong with it again and they refused to pay. I told them to come get the car on XX/XX/2014. Instead of them putting as a repo on my credit they have it still as a open loan/late payments. They know what they doing. The are rude and they keep pointing me to talk with the credit bureau. " We have nothing to do with how it 's reporting '' they say. I been going through hoops to get this as a voluntary surrender. They did n't even send me a letter saying they sold the car again. On my credit report they are reporting a amount that is not the owe limit. they are a fraud and i 'm tired of this. XXXX XXXX auto acceptance/ XXXX Cars

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Consumer Loan (Installment loan) with Levy and Associates, LLC (OH).
Issue: Problems when you are unable to pay

Complaint: I received a collection letter from Levy Associates LLC of a debt that does not exist. I requested information on this debt and they could not provide it to me. They sent me a copy of a Judgement dated 20 years ago and they sent it a couple of months after the collection letter was sent. The last time I looked at my credit bureau report the debt was not there. I am making this report so that someone knows that these people are committing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I have been working with ocwen for the last 8 months every time I send them some papers they called an tell me they need something else I get so upset at them they also tell me that they can change my monthly payment an they just keep chargeing us more an more my home was XXXX an now they say I owe XXXX an that 's not right can some one please help me I get so tired dealing with them they tell me every time they need more papers an then they say we ca n't put your back payments behind the loan I do n't understand why they ca n't an the people are very rude an some of them you ca n't understand all we want is for them to put the back payments at the end of the loan an we want them to quiet charging us intrest every month an then they told us they were going to foreclosure on our home an I told them that we want to keep our home they said they got to do what ever they need to do my nerves ca n't take much more an they will not take our payment unless we give them XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NJ).
Issue: Credit decision / Underwriting

Complaint: My mortgage servicer HSBC sent me a letter stating that they sent my encrypted information to a third party in error. Since than I have had some of my accounts stolen and I have been forced to get on a credit monitoring program. I filed a complained with their office of the president. I am told that the case is closed and that they called me once. I am continuously getting calls asking me if I took out several loans. This is a nightmare. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Merchants' Credit Guide Company (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XXXX of 2014 I dropped a class so the school gave me a credit of money that was left over. Again in XXXX 2014 I withdrew from the school dropping XXXX more classes. I took loans out for each semester I attended classes. I received credit for the two classes that i dropped and I had money left over from my loans. The school is trying to tell me that I owe them money when I do n't. When I log into my student account, I see that someone made changes in XXXX showing that I owe. That is around the same time frame that I had them go over my account because they were sending me letters about the balance due.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Debt collection (Credit card) with Alliance Data Card Services (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: They are not licensed to collect in the state of MD. I will upload their information for proof!

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Please do what is right! What is correct and honest! If I have to pay something I will do it. ( This is not a valid bill ). But this is a fraud! I'm very honest person, serving at XXXX XXXX. Please help me! This company : XXXX XXXX trying to get money from people. 2 years ago I had a serious problem with this fraudulent company. And I didn't report them. Now I have to! They reported a false collection to XXXX. Why false? Because they don't have enough proof. They don't have details, or an explanation showing step by step where the bill came from ... Here 's the information : Original Creditor Name : XXXX XXXX ; AMOUNT {$150.00}. I had no idea! I didn't know anything about that. I contacted them, they sent me a fake bill that anyone could make it very easily using XXXX or any XXXX App.. I also had to contact XXXX and you know what? They didn't have any details of where that {$150.00} came from ... After fighting with CONVERGENT and talking with many people they removed that false collection from my Credit Report. ( On XX/XX/XXXX ). On ( XX/XX/XXXX ). I saw on my credit report the same collection again that it was removed from my Credit Report 2 years ago! How was possible? If the collection was removed 2 years ago? I felt so bad ... Do I have to call the police or what can I do? I don't know if it's a joke or what? ( IF THE COLLECTION WAS VALID, IT MUST BE ON MY CREDIT REPORT FROM XX/XX/XXXX ... BUT IF THEY RECOGNIZED AS AN INVALID COLLECTION AND IT WAS REMOVED FROM MY CREDIT REPORT IS BECAUSE IT WAS AND INVALID, FALSE COLLECTION CONSIDERED AS A FRAUD BY XXXX ). And I also asked to this fraudulent company ( XXXX XXXX ) today XX/XX/XXXX Why they are not doing what the law required? They must send me a letter, notice and give me 30 or 60 days to respond to your letter, but they DIDN'T SEND ME ANYTHING ... I also request them a bill, but not a fake bill created by them, but a real bill with details, and they refused. They didn't have an answer when I asked them why they are against t law ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Balance of {$280.00} was reporting instead of {$0.00} balance. On XXXX XXXX, 2015 received a response from Equifax stating the balance was changed to {$0.00}. On XXXX XXXX, 2015 myfico alerted me of an XXXX point increase in my score from the corrected {$0.00} balance being reported. Not today, XXXX XXXX, 2015 myfico alerted me of an XXXX point Drop in my Equifax score due to my balance being reported as {$0.00} to now {$280.00}. My credit card company does not report until the last day of the month and this is n't a balance I have on my card right now. This is the balance that was changed from {$280.00} to {$0.00} by Equifax and then to {$0.00} back to {$280.00}. Equifax please stop playing with people 's credit especially during the mortgage process. This is intentional it appears.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Unauthorized transactions/trans. issues

Complaint: On XXXX XXXX I noticed some unauthorized transactions totaling {$910.00}, on my account. I called American Express Serve and was told I had to wait to make the dispute until the transactions were completed. I cancelled the card ending in XXXX and requested a new one as my account was compromised. On XXXX XXXX the transactions were completed. I called again to dispute. I was told it would take up to 45 days to make a decision on if they were going to reverse the charges. But I would receive a provisional credit on the 10th day. I called on XXXX XXXX to ask where the provisional credit was, I was then told it is 10 business days, which would be XXXX XXXX. On XXXX XXXX I received XXXX email stating they completed their investigation and I would not be receiving my credit as they determined I made the transactions, which took place in XXXX and I live in XXXX. I explained it is very hard to make a purchase at XXXX in XXXX XXXX at XXXX on XXXX XXXX then be in XXXX XXXX and back in XXXX by XXXX to attempt to make a purchase at XXXX. I have tried to call American Express serve and ask for the proof that they contact XXXX XXXX XXXX as I have. They were not able to give me any proof and said it was their investigation team that makes the decisions. I called XXXX XXXX XXXX and spoke with their loss and prevention manager and she claims no one else has called about this account or transactions. I once again asked why could they not prove that they contacted, then I was disconnected from the operator.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: When I was in high school and living at home I had a XXXX account with my brother. I eventually moved out of the house, and called XXXX to be removed from the account. At the time, I thought I was covered for good. Just a couple of months ago, XXXX shows up on my credit report as a collections entry. I called XXXX to ask them what the problem was, as I should n't have been on any accounts for the last nine or so years. The first time I talked to them, the representative basically said they were able to fix the mistake, and that the entry would be taken off my credit report in about a month. After it had not been removed after around 40 days had passed, I called XXXX again. This time the representative said there was no notes about a previous call, and that I still owed the balance due. I reiterated that the balance should not be attached to my name at all. He lowered the amount due, but would not remove the report from my name. I should not owe any money to XXXX, but they are XXXX up my credit report with an old bill that should never have been mine to begin with.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/20/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Experian is taking too long to return dispute results

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 11-03-2015 about Prepaid card (General purpose card) with Blackhawk Network Holdings Inc. (IL).
Issue: Unauthorized transactions/trans. issues

Complaint: I purchased XXXX gift cards from XXXX. When I tried to use them later my purchases were declined. I checked my balance on each card and they had all been used up. I immediately contacted XXXX for assistance and they told me they would take 4-6 weeks to investigate and get back to me. They also asked me to send in multiple documents and proof of purchase. I did all that. 

As of now I 've only received the funds back on only XXXX of the cards. I 've tried asking for updates on the other XXXX cards but I still get quoted the same line : " please wait 4-6 weeks for our investigation to finish. '' When I tell them that I already did, they do n't have much to say, but apologize that " they understand. " I do n't know why it 's so difficult to get in touch with the appropriate people at Blackhawk. The only number I have reaches people who never know what 's going on and simply tell me to sit tight. Is this how consumer protection works? I sent in all the documents they asked and did so properly.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I am requesting that TransUnion immediately delete the address listed on my credit file as reported and previously listed on the TransUnion Credit File : XXXX XXXX XXXX XXXX, XXXX, WA XXXX DATE REPORTED : XXXX/XXXX/2007

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CO).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: MY CREDIT CARD FROM CHASE WAS APPROVED AND ISSUED TO ME. AFTER ACTIVATION I FOUND OUT 2 WEEKS LATER, IT WAS CLOSED. THIS IS THE SECOND TIME THIS WOULD HAPPEN WITH CHASE CREDIT CARD ( MILEAGE PLUS EXPLORER ). 
I HAVE NEVER HAD THE OPPORTUNITY TO USE THEIR CARDS. THEY KEEP APPROVING AND CLOSING IT. THIS IS UNFAIR AND THEY NEVER GIVE ME REASON WHY THE CARD WAS CLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have notified   XXXX   that they are reporting  XXXX  wrong addresses on my credit file. I have never lived at  XXXX   XXXX  and  XXXX   XXXX . Please remove these addresses from my credit file.

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 10/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (AZ).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Did not receive the welcome bonus after qualified spending. Last time, American Express company said will contact me separately but still have n't received anything yet. 

Moreover, it seems has linked my bank account to other person 's Social Security Number. The Fico score is too high for me!! It 's not my credit history!

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (AZ).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: There are several disputes on my  Sams Club Credit Card which have not been resolved by the bank.      Every time I call the  Disputes  Department they say they are being investigated.

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 09/15/2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Experian is releasing my credit information to those without authorization. 
XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX XXXX, Chief Financial Officer, XXXX XXXX XXXX, specializing in VA mortgages pulled my credit 6 times in the last year. Most recent pull XXXX/XXXX/2016. I have no relationship with XXXX. I have never heard of XXXX until seeing them on my credit report, pulling my credit. I have never authorized XXXX to pull my credit. 
XXXX XXXX XXXX, XXXX, XXXX, VA XXXX, XXXX XXXX XXXX pulled my credit XXXX times. I have no relationship with them and they are not authorized to pull my credit. 
XXXX XXXX XXXX XXXX, XXXX, MT XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX has pulled my credit without authorization 4 times over the past year. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, TX XXXX has pulled my credit without authorization most recently XXXX XXXX, 2016. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX was permitted to pull my credit twice without authorization. XXXX XXXX XXXX XXXX XXXX pulled my credit XXXX times without authorization. I have no relationship with them.

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 12/16/2017 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: Experian has sent me a letter stating that they will not reinvestigate the fraudulent account listed on my report which is XXXX XXXX XXXX. This account keeps adding fraudulent charges to an account that is currently closed and charged off as bad debt! Experian is in violation of the FCRA law, by law experian has to report accurate information on a consumers credit report! The amounts Are different on each report I have attached the reports showing the different amounts {$6200.00}, {$12000.00}, {$14000.00}, and {$25000.00}! Experian is not reporting accurate and complete information, they must deleted the account now!

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