milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/30/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: A judgment was granted against me for summary ejectment in magistrate court in XXXX XXXX, 2011 in XXXX County Courthouse, XXXX, NC under file # XXXX. I filed an appeal to District Ct. under file # XXXX the judge ordered that I pay {$340.00} which I had paid partially in an appeal bond of {$320.00}, I paid the remaining balance of {$17.00} after the hearing on XXXX XXXX, 2011. After the magistrate hearing XXXX the owner of the leasing company reported to the credit bureau the judgment and even though it was paid in full 4 years ago he refusing to allow the bureaus to remove or correct the judgment on my report. I have asked him to correct the report and I have filed several requests for investigation to Equifax. I have filed a civil action against XXXX because he will not allow the bureau to correct the information and tell the bureau that money is still owed even though the clerk of clerk has marked the judgment paid in full. The caption on the judgment is XXXX XXXX XXXX XXXX XXXX XXXX. XXXX is owned by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NC XXXX phone # XXXX XXXX XXXX I am the former spouse of a XXXX XXXX ( XXXX ) trying to re-establish my credit after the divorce to be able to support my kids and buy a home for them.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: I reapplied for a loan modification in late XXXX and sent all the documents in on XX/XX/XXXX and followed up two days later to make sure they were received, also l called during the month of XXXX to make sure nothing else was needed on the file and i faxed what was requested but towards the week of thanksgiving the customer service rep assigned to the account was out the office so i called and spoke to someone else but was told i could only leave a message, after the holiday i got a email requesting more documents so i faxed those documents on XX/XX/XXXX and again on XX/XX/XXXX, and called to follow up again on them and left messages and emails with the assigned rep but did n't get a reply until two weeks later stating that she did n't get the faxed so i re faxed them again so after all of these things they tell me today my file has been denied, when the fact is that i sent the documents in a whole month ago and they wait until now to tell me they did n't get my documents which an excuse when i called and emailed several times on the status of the file this whole thing is wrong!!

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JH Portfolio Debt Equities, LLC (WI).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: An {$1100.00} debt that was charged off  in  XX/XX/XXXX  t hrough  XXXX   XXXX , was purchased by  JH Portfolio Debt Equities  in  XXXX , MO.  JH Portfolio Debt Equities  illegally re aged the account ( reporting as opened in   XX/XX/XXXX  ) and refuses to follow federal laws regarding the accurate and correct reporting of consumer financial information. I have disputed the information with each CRA and  XXXX  deleted the account due to the illegal re aging, however   XXXX   and   XXXX   did not thoroughly investigate the situation and the negative information is set to remain in my credit files well beyond the 7 year mark as a result if illegal re aging.

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 09-03-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: I bought my first home a decade ago. At that time since I was given a XXXX ARM loan and the XXXX loan was a Line of Credit. After XXXX years I went back to Wells Fargo and asked them if they will allow me to have a 30 year loan so atleast XXXX years from the date of initial purchase and when I am XXXX years old the house will be atleast fully paid off and be mine completely. They sent me back saying you do not have enough savings, this loan is a different kind of loan that can not be refinanced. 

After that every year I have been approaching Wells Fargo to get me into a 30 year fixed interest loan they send me back with some reason or the other. 

This year I applied for a 15 year loan and I was again denied this time saying I do not have cash in my savings and checking account. 

The condo is worth {$680000.00} now according to XXXX ( which does not include the {$30000.00} of upgrades ). I owe about {$420000.00} to Wells Fargo today, started with {$490000.00} a decade ago. In XXXX years I have paid atleast {$200000.00} in interest to Wells Fargo. Have not missed a single payment ever. My annual salary is about XXXX now. I have about XXXX in my 401K. Still they denied me the 15 year mortgage and now I read in the papers that the interest rate is going up so the rate I was told I could have by Wells Fargo intially will not apply. So no way to own my house and in the future if I get a loan I will have to pay even a higher interest amount to Wells Fargo. 

It is Wells Fargo win win all the way. Even after me being a loyal customer, never missing a payment for more than a decade I can not still have a 15 year fixed mortgage loan on my house. 

Please help me CFPB. And thank you for listening to this plea.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This is fraudulent. It is not mine. I got no notice, and disputed multiple times requesting information they do n't have and cant provide. kindly help me to get this removed

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I applied for a vehicle loan while I was serving in the XXXX XXXX. The lender, XXXX XXXX offered to finance me. Being that I was a high risk borrower they were the only ones willing to offer a loan. I purchased the car as well as full coverage and gap insurance. I made a few payments, one which one was late. After my late payment, the very rude customer service agent told me that any extra payment I would make ( I had added sometimes up to {$50.00} a month extra on my payments to go to principal ) would only go to interest and that was my only option. In XXXX XXXX XXXX of 2014 I was home in Colorado having  finished my XXXX contract. I was blinded by the sun on the way to a Doctor appointment and hit a small parking lot cement divider. It was approx. 12 inches high. It totaled the car. I submitted the claim to XXXX who tried to pay the bank. XXXX would not take the payment and listed on my credit report as they repossessed the car. Which is untrue. They finally took payment from XXXX after I disputed the balance on my credit report. They now, over 3 years later refuse to take payment from my GAP insurance and still report my car as repossessed. If my car is repossessed and not totaled out, I demand to see the auction report. They are required to auction a repossessed car and provide me the amount left on the loan. But they can not do that because the car was totaled and therefore not repossessed. XXXX needs to remove the repossession off my credit profile before I sue them in civil court. I suggest if XXXX offers any consumer a loan, they walk away from the dealership. Walking around town and taking the bus is better than dealing with this corrupt company.

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 10/27/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (UT).
Issue: Loan modification,collection,foreclosure

Complaint: This home was foreclosed on years ago and sold at auction. Yet, the 2nd mortgage is still currently updating and reporting a balance. They sent me a letter in regards to the auction sale years ago, but had not contacted me since. They should not be reporting a balance or updating recently on my credit!

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 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: This is my SECOND COMPLAINT. I received no response to the original. My name is XXXX XXXX. My mother 's name is XXXX XXXX. We lived at the same address for some time. Her social security number has 3 digits different from mine. I submitted a dispute to the credit bureaus to have her information removed from my file. I sent them a detailed cover page with the name differences and her addresses vs. mine ( attached ). I also sent a copy of her bankruptcy filing, schedules and listing of credit items that were HERS and in HER bankruptcy. They did absolutely nothing with it. I understand there is some rule used by the bureaus that if an address is on more than one or two items, they do n't remove it..the same with names that are on the file. But this is MY MOTHER 'S  information. I would like for CFPB to use this in your published articles. Credit Bureaus should not be allowed to simply say : " These companies say this is yours so tough ''. The Bankruptcy and the following accounts were included. XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX. I have included her bankruptcy schedules showing these items discharged in HER BANKRUPTCY ... but I also sent this to the bureaus and they ignored it. This would be a very good issue to publish as it details the problems with information getting mixed up on family files.

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 09/13/2017 about Mortgage (Conventional home mortgage) with GOLDMAN SACHS BANK USA (NV).
Issue: Trouble during payment process

Complaint: CFPB, this is not a duplicate complaint. We have additional questions that need to be answered! This complaint is for Goldman Sachs Bank  only to answer the following questions. 
1st, when Goldman Sachs purchased our loan in XX/XX/XXXX from XXXX XXXX XXXX  and placed our loan/asset into a pool of trust known as XXXX XXXX  XXXX XXXX XXXX, did XXXX XXXX bundle our mortgage loan/asset with other loans/assets in XX/XX/XXXX-XX/XX/XXXX and sell them to another investor? 
2nd, did Goldman Sachs ever violate any federal or state laws from XX/XX/XXXX to XX/XX/XXXX regarding the performance of subprime residential mortgage backed securities ( RMBA ) as documentation reflects? 
3rd, does Goldman Sachs still maintain electronic records that will reflect who Goldman Sachs sold our loan to in XX/XX/XXXX-XX/XX/XXXX? 
4th, is Goldman Sachs policy, to maintain accurate records at all times? 
5th, is n't it a fact that Goldman Sachs Bank is not responding to our questions because Goldman Sachs knows that our mortgage loan/asset was part of the Justice Department investigation in XX/XX/XXXX which found Goldman Sachs guilty in conduct in packaging, securitization, marketing, sale and issuance of residential mortgage backed securities RMBS ) between XX/XX/XXXX-XX/XX/XXXX and agreed to pay {$5.00} XXXX in connection with its sale of residential mortgage backed securities? 
6th, is Goldman Sachs aware that due to these bad business practices from Goldman Sachs, XXXX XXXX XXXX ( our previous servicer that Goldman Sachs owned ), XXXX XXXX XXXX, the trustee, XXXX XXXX   XXXX have caused us mental and emotional damage? 
7th, is Goldman Sachs aware that we still maintain a mortgage balance of {$250000.00} even after fraud by your company has occurred? 
8th, is Goldman Sachs aware that your company violated our rights, federal and state laws along with consumer rights which has caused us mental and emotional damage? 
9th, is Goldman Sachs aware that if the original note and the original Deed of Trust has been lost, Goldman Sachs, XXXX XXXX XXXX ( our current servicer ), XXXX or the trustee, XXXX XXXX XXXX ( the trustee ) can not legally enforce our loan documents nor the HAMP modification in XX/XX/XXXX that reconfirms the original mortgage documents? 
10th, is Goldman Sachs aware that multiple federal and state agencies have complaints regarding the servicing of our mortgage, the fraud that occurred by your company and that we are seeking justice and compensation?

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Consumer Loan (Installment loan) with C/C Financial (MD).
Issue: Taking out the loan or lease

Complaint: COMPLAINT ACTIVITY REPORT Case # XXXX XXXX XXXX XXXX. 

Consumer Info : XXXX, XXXX XXXX Business Info : Merchants Preferred Lease-Purchase XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX - XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX Involved : ( Same as above ) Consumer 's Original Complaint : On XXXX/XXXX/2015 I bought a laptop and a coffee machine from XXXX store, I refer to Merchant preferred financing to finance the laptop ( cost XXXX ) and the coffee machine ( cost XXXX ) total with taxes finance XXXX. ( by the way the coffee maker stop working in XXXX 2015 and it ended in the trash ) so the started taking XXXX per month from my checking account the last payment they took just several days ago so I called today why the still taking money out of my account when the Items total was XXXX that payment should have been completed. they told me no because I signed an agreement for 18 months and that I will be paying XXXX for 18 months and the total will be over XXXX when the payments are completed, I was not aware that was the deal I understood that I was being finance until my bill of XXXX was paid completed, base on their explanation I will be overpaying 3 times for the items I purchased, that do not seem to be wright it seems to be a legal scam, how can the consumer department allowed these companies to ripped of the consumers Consumer 's Desired Resolution : DesiredSettlementID : Not applicablestopped scamming onsumers XXXX XXXX XXXX/XXXX/2015 web XXXX Case Received by XXXX XXXX/XXXX/2015 XXXX XXXX Case Determined to be INFO ONLY - Send to Company XXXX/XXXX/2015 XXXX EMAIL Inform Consumer - Case Closed INFO ONLY XXXX/XXXX/2015 XXXX MAIL Inform Business of Case Closed INFO ONLY XXXX/XXXX/2015 XXXX XXXX Case Closed INFO ONLY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: This is a continuation of complaint XXXX, as I believe it was closed in error. 

FedLoans had my complaint closed because they said I was involved in " pending litigation '' regarding my student loans. We filed for Chapter XXXX bankruptcy on XXXX XXXX, and received a discharge, but there was no other litigation involved and the student loans were not discharged. 

About two weeks ago, after I received your notice that my complaint was closed, I started emailing FedLoans daily to ask for status on my Income-Based Repayment application, which was also filed in XXXX and was never processed or responded to. After several days of emails in which my account was still listed as on hold, they told me " You are in bankruptcy, we are not going to process your application. '' I got a bill this week ( in a letter dated XXXX XXXX ) that said my account payment was two days past due ( XXXX XXXX ), still for the {$1100.00} payment amount. 

I have been trying to get resolution on this issue for EIGHT MONTHS now, and it was the main reason my husband and I had to file for bankruptcy in the first place. FedLoans should have adjusted our payment amount to match the IBR, and they still have n't, and now they ended my forbearance and apparently retroactively started making payments due? ENOUGH IS ENOUGH!

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (MD).
Issue: Fraud or scam

Complaint: I used to send money to XXXX ( my relatives, friends ) through Western Union since I came to this country XX/XX/XXXX. For the last two years more recently, I learnt how to create an account via web and was doing on line international money transfer from US dollars to XXXX XXXX. This creates an e-mail trail giving a tracking MCTN number with a name whom the money being transferred. This process seemed to be rigorous as it goes from my bank to Western Union and this process takes at least 7 days. During my weekly check into balance of my bank account on line, I noticed on a single day there were XXXX money transfers and the following day another money transfer. All these XXXX transfers amounted to about {$7000.00}. I called my bank and lodged a dispute on all those XXXX charges which have not been initiated by me and authorized by me. This has been lodged in the fraud department of the bank with a claim number. I called the merchant Western Union and filed the complaint. They took the complaint and informed me that some of these transfers are still not cleared and can be retrieved or changed. There were XXXX international transfers which have been delivered already and can not be returned. I went on line and recovered MCTN numbers and names of the persons. They gave the names of not all persons. But I noticed that one person was my relative and when I called my relative he said that there was no money transferred. There were other XXXX names I could not recognize. They filed a police case and instructed me to go to local police to give the case number to know more about this unauthorized transactions. I called your department and the official instructed me to file complaint on line, called Federal Trade Commission and go to local police to to inform and file complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Settlement process and costs

Complaint: I contacted Ocwen Loan Servicing, XX/XX/2017. The representative told me the system will not allow Ocwen representatives access the pretender lender loan servicers account, and that Ocwen litigation lawyers are the only ones who have access, and the XXXX lawyers will contact me within 24 hours, between XXXX and XXXX, XX/XX/2017. I can not believe all the years of Ocwen Loan Servicing getting away w/ harassing me, committing fraud against me, playing games with me, using its cozy relationship w/ XXXX, using fraudulent trustee sales as a weapon leaving me with no choice other then to sign a increased none negotiable pretender lender loan servicer loan modification to save my home from XXXX fraudulent trustee sale. I do not owe Ocwen Loan Servicing XXXX a single penny, Ocwen owes me a refund for paying on fraudulent loan modifications to avoid fraudulent trustee sales during the time I was XXXX with XXXX. Ocwen needs to reimburse me XXXX of dollars for incompetent lawyers fees. My health has greatly improved and now Ocwen and its XXXX lawyers must be brought to justice.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i received a forwarded piece of mail on XX/XX/2016 from CMRE FINANCIAL SERVICES and have not been given : Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent

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 09/29/2016 about Debt collection (I do not know) with Collection Bureau of America Ltd. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The Complaint that I have is with COLLECTION BUREAU OF AMERICA Over the last 4 months I have requested validation on multiple occasions for debt that is listed on my credit report. I have asked for evidence that bears my signature that shows that I have a contractual obligation with COLLECTION BUREAU OF AMERICA I have not received anything that I requested and it still listed on my credit report from all XXXX of the Credit Reporting Agencies. 

Please Help me.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Trouble during payment process

Complaint: the loan was modified b y Ocwen loan servicing but i could not make payments on the Loan because they lost my mortgage modification papers twice after approving them .by the time they finally fixed my loan the loan was kicked off by their system.they closed the loan and said and put in my credit report that loan was charged off as a bad debt. they actually sold the loan to another company and I am actually paying on the loan .Ocwen loan servicing  has committed an act of fraud against me.

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