milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/31/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On  XXXX   XXXX ,    2017  I received an alert via email of a negative collection account reporting to my   XXXX    report. I immediately checked my reports to see t hat Convergent Outsourcing had lis ted an account to my report in the amount of {$130.00}. I have had no previous dealings with this company. No calls, no letters, NOTHING and they just decided to report a negative account. I sent  Convergent Outsourcing  a letter on  XXXX / XXXX / 2017 , via certified mail #  XXXX   XXXX   XXXX   XXXX  in which they received on  XXXX / XXXX / 2017  to validate this alleged debt. I also sent this letter via fax and also to the companie s executive team  via email for prompt response. I educated Convergent that they had 30 days to respond to my letter or that they should delete it. Pe r the FDCA, a debt collector is to notify the credit reporting agencies that this alleged debt is being disputed and can not continue to collect or report this alleged debt until they have provided verification. Convergent failed to abide by these rules. They continued to report, and update this alleged debt to   XXXX   ( la st update on  XXXX / XXXX /  XXXX   ) before even responding to my letter. I did not hear anything from this company for over 40 days from the date they received my correspondence. On  XXXX / XXXX / 17 , I sent  XXXX  a request to have this negative account information deleted immediately due to no response from Convergent Outsourcing, and their above violation. Today  XXXX / XXXX / 17 , I received in the mail a copy of some sort of bill which listed inaccurate information. It did not verify debt, nor did it show proof that this is my debt, as it is not, or any legal binding agreement to convergent outsourcing. I am extremely disappointed that Texas allows deceitful scamming c ompanies like Convergent Outsourcing to target its residents.

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 03/20/2016 about Debt collection (Mortgage) with OCWEN LOAN SERVICING LLC (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have a property in the State of North Carolina that Ocwen is attempting to foreclose on, but NC General Statute requires that the FDCPA debt letter be mailed WITHIN 30 days of the date of the original notice of foreclosure. The date of the original date of foreclosure was XXXX XXXX, 2011. I recently filed a complaint with this office stating that the appointed trustee never mailed the letter, but counsel for Ocwen responded by sharing a letter dated XXXX XXXX, 2011. This letter was not within 30 days of the date of notice and therefore, I was never provided FDCPA letter within 30 days of the notice of foreclosure as required by NCGS 45-21-16 ( c ) ( 5a ). The dates are clear and as stated Ocwen and its predecessors did not follow the law and provide the required 30 day FDCPA letter in accordance to law. Owen 's XXXX XXXX, 2011 was pre-mature, outside the 30 days and contained foreclosure fees that were not yet due. Ocwen must give us the opportunity that it gives everyone else when the full foreclosure process is not followed in accordance to law.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Account opening, closing, or management

Complaint: I went to my local credit union and applied for a checking account. I was denied for a traditional checking account and was offered a XXXX chance checking account. Once you have had the checking account active for 12 months you can request a review to be considered for a regular checking account. Coming up XX/XX/XXXX will be 12 months that I have had the account open. I was advised by the bank rep that it came up in their system that I owe Wells Fargo and that they submitted information to XXXX that shows I mismanaged an account with them. The concern is that if I mismanaged an account with them. Then why would they allow me to open another account with them after reporting this information. Basicly its telling other banks not to do business with me, but it 's ok for me to do business with them after they have reported this negative information. They are also reporting a balance after I paid the account off in 2014. The information they are reporting remains in XXXX for 7 years and will limit you from obtaining a standard checking account instead of a second chance checking account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-02-2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: {$3000.00} legal matter in XXXX county. I 've never been there in my entire life. It 's not me! There 's XXXX of us with the same name in my family. Everytime something happens it somehow falls on me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/23/2018 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (NC).
Issue: Trouble during payment process

Complaint: I had my home insured thru mortgage co ( XXXX XXXX XXXX ). Coverage effective from XX/XX/XXXX thru XX/XX/XXXX. Name of insurance co. was XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX insured home with XXXX XXXX XXXX. called XXXX XXXX XXXXXXXX XXXX on same day and cancelled their policy. Well I worked at XXXX XXXX. for 20 years so I knew I was due a refund..I went back and forth with Green tree in reference to my refund and they told me that they do not give refunds..I filed a complaint with NC Insurance Comm. on XX/XX/XXXX and XXXX XXXX was assigned complaint. XXXX XXXX contacted Green Tree and XX/XX/XXXX received my refund of XXXX..Well Green Tree added XXXX to my regular mortgage payment and I have been going back and forth with them trying to get them to remove XXXX because they are saying my mortgage is past due since XX/XX/XXXX, and this is not so. I was going to file another complaint with NC Insurance Comm. but they said I need to file the complaint with your office. I really hope you can help resolve this issue, because it has been stressing me out since XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I responded to EQUIFAX Hack by submitting my information to obtain promised credit file monitoring package from their TrustedID Premier program onXX/XX/XXXX. I received an email from Equifax stating that " We have successfully received and are processing your information. '' on XX/XX/XXXX. The next step in the process was to send me an email to finalize the enrollment and activate the product. I have checked my email daily for 10 days until XX/XX/XXXX at which time I called the Customer Service number. They were not able to give me any information except that their servers are very busy and could not indicate when there would be any response. I requested to talk with a supervisor who responded that I should call back and he rudely hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Debt collection (Private student loan debt) with MERCANTILE ADJUSTMENT BUREAU, LLC (NH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: I cosigned a student loan thru XXXX XXXX for my daughter XXXX XXXX and 2 years ago she defaulted on the loan and it was sent to XXXX XXXX XXXX. My daughter has been paying to the debt collection agency but missed a payment in XX/XX/XXXX and she called Mercantile on XX/XX/XXXX because she hadn't gotten a check from her work. Subsequently she called and left a message that they could resume debiting her account for the missed payment. I don't know what happened after that but I was told by XXXX that she missed the payment in XXXX and XXXX was not paid. On XX/XX/XXXX I went to check my checking account which is thru XXXX and XXXX had been taken out of my checking and XXXX? out of my savings on XX/XX/XXXX to settle one of the owed amounts. I called the bank thinking I had been hacked and that is when i found out about a closed account from XX/XX/XXXXand was given the number of the account and was told to go to the branch. I went and that is when I found out what it was about and that all of my money was gone. I never received a phone call or a letter about the missed payments. I am currently paying 3 of my daughter 's loans thru XXXX and have never missed a payment. My daughter has her own bank account but not thru XXXX  and she had {$6000.00} in her savings but instead of going after her they decided without any communication to garnish my checking and savings. I am currently unemployed as my entire department was eliminated in XXXX and this presents as a financial burden for me. Subsequently, I received a letter ( attached ) dated XX/XX/XXXX on XX/XX/XXXX of her still outstanding balance on her other loan that Mercantile has seen sent to a law agency. On the letter it distinctly says that " we have not been retained to file a law suit ''. They never sent a letter concerning the XXXX? and per Section 809 of the Fair Debt Collections Practice Act, the agency must give me 30 days written notice after which they can file a lawsuit and only after winning a judgement can they garnish my account.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Account opening, closing, or management

Complaint: My mother passed away XX/XX/2014. Her checking account had been in both our names so that if she became XXXX, I could continue paying her bills. That is what happened in the last five years of her life. When she died, I left several hundred dollars in the account to cover any debts that I was not aware of. After a year 's time, I attempted to drawn-down the account only to be told that bank fees had XXXX-out the account. During that time, the bank had no communication with me other than to verify my mother 's death. I believe that at some point there should have been notification from the bank that the account was not showing any activity and the balance was being used up by fees. They say I should have received information at the time of becoming a co-signer regarding bank practices and fees. That had not happened and neither did my mother share any such information she had received.

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 10/23/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (IN).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have had a loan with XXXX XXXX, now Navient, since XXXX. I recieved the loan because my father signed up electronically under my name and asked his friend to be a co-signer ( unknown to me at the time ). However, I have accepted responsibility for the loan and was told I could defer my payments while in school. However, in XXXX I w as informed that, even though I was im school, I no longer qualified for in school forbearance since it was a private loan. I began repayments and have periodically used forbearance as my only option when in between jobs ( a total of one year cumulative forbearance ). I called on Friday, XXXX XXXX to extend my one month forbearance and was told I no longer qualify for any temporary relief but could apply for interest only payments. I was put on hold and the representative came back to say I was approved and my loan would remain in forbearance for an additional week until my auto pay interest- only payment was processed. I completed an electronic agreement over the phone with the representative, getting confirmation # XXXX. 

Today, on Sunday, XXXX XXXX, I received an electronic message saying my request was denied and that my loan was now past due and in default since they had adjusted my auto-pay schedule ( thus, cancelling my old one ). My account now shows as 2 months past due and in default, which will not only negatively affect me but also my co-signer who also does not have the money to help. I have explained this to Navient and they said I am approved for this new plan, yet this paperwork was electronically sent today. 

They have done things like this im the past, such as saying I am in the in-school deferment program and then removing me randomly placing my loan status to default. 

They continuously do very little to work with me regarding reasonable payment options and it is getting increasingly difficult to deal with, as I am currently in between jobs. I hope there might be something you can do to help me resolve this issue!

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Closing on a mortgage

Complaint: In   XXXX     I went into a modification mortgage program with  Ocwen Mor tgage  Services  employed by   XXXX   XXXX  . The modified mortgage would be a fixed rate, 20 year mortgage. I was told there would be a balloon payment. However, I was never told the balloon amount and, it was not disclosed in the modification agreement I executed. I requested by e-mail before and after the execution of the modification agreement the amount of the balloon payment and it was never disclosed by the mortgage representative. The mortgage would be paid in full on  XX/XX/XXXX  and the lump sum balloon payment due at that time. Over a year into the mortgage modification and on   one of my many calls to Ocwen a customer service representative told me that the lump sum balloon payment would be {$80000.00}. Ocwen representatives have admitted that the amount of {$80000.00} was not disclosed in the documents executed. Ocwen acknowledges that their representative assisting me with the modification verbally told me the {$80000.00} amount before execution of the modification agreement. The latter is not true.
Meanwhile, payments that started at several hundred do  llars monthly have been as high as {$1500.00} plus monthly and currently {$1000.00} and rising again.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Credit reporting () with Credit Karma, Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX / XXXX XXXX = XXXX/XXXX/XXXX ( XXXX/XXXX/XXXX ) ( XXXX/XXXX/XXXX ) XXXX XXXX XXXX/XXXX/XXXX ( XXXX/XXXX/XXXX ) ( XXXX/XXXX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX : XXXX D.O. B : XXXX/XXXX/XXXX ( XXXX/XXXX/XXXX ) I paid into XXXX XXXX over XXXX and all the rest of my bills I paid in over XXXX Tell me how am I supposed to live if I ca n't use the credit cards to buy enough for me to make it from one week to the other without my credit score dropping back now under poor. I am ready to say XXXX all the credit cards and just live, because the more I pay the lower my credit score get. On top of that you are giving out my person information without my permission and having all these collection agency calling my phone using up my minutes. Before I started trying to straighten out my credit Because they had me mixed up with someone else, I did n't get all the harassing phone calls. Now they call hours of the day and night, and even on the weekend. They refused to remove any hospital bills that have not replied back to them in 90 days they just bound them from on collection agency to another. So this is and knows winning battle. There I will cease in paying any bills because you drop my score by XXXX to XXXX point each time and when you bring it back up it always by XXXX point. Which do n't help me at all? If anyone else is having this problems make sure you post it for everyone to see the un-fairs dealing you have with all XXXX Collection Agency. They bound them back from XXXX agency to the other causing you nothing but pain. 

This is drive up my score, that is the reason a lot of consumer do n't pay their bills, because the more they try and work with these collection agency, the harder they make it for anyone to want to pay a bill by bounding them back and forward, stressing you out. I want them to stop given out my person information without my permission, driving up my cell phone bill to make the cell phone company happier. 
Collections XXXX XXXX XXXX provided by &

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 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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 disputed a paid collection account with XXXX. The account was not in collections but it is still reporting as a collection account. It should be removed immediately. I have disputed this multiple times but have not received any results proving this was an actual collection account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/21/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: on XX/XX/XXXX, my score went down about XXXX point without any change in my financial status. I have n't applied for any new credit or loan, all credit card balances are lower then ever. nothing negative basically. I understand what effects my credit and I am always monitoring it. My credit suppose to go higher not go down XXXXpoints. I already disputed issue with XXXX and they were able to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Credit card () with SYNCHRONY FINANCIAL (MN).
Issue: Customer service / Customer relations

Complaint: EVERY Month I get locked out of my account online. EVERY month I have to call customer service, EVERY month I am told I have to wait XXXX hours to unlock my account and change my password. EVERY month I change my password and again get locked out of my account. Customer Service is NO HELP AT ALL.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Debt collection (I do not know) with Featured Mediation, LLC (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX from Featured Mediation called and left a message on my home phone on XXXX/XXXX/15 at XXXX. She said she was calling for my brother ( who lives in another state ) to collect a debt. My number is unlisted and further more my brother and I seldom communicate, less than once a year on cell phone, he does n't even know my home phone. I did not return her call as this whole thing sounds fishy.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Debt collection (Mortgage debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: Attached to this complaint is a copy of a debt validation notice we received on  XXXX   XXXX ,   XXXX  , and dated  XXXX   XXXX ,   XXXX  , from the debt collection law firm of  XXXX   XXXX  in  XXXX  WA.     We dispute the validity of the debt identified in the notice and we will be sending a formal debt validation request and dispute letter directly to  XXXX   XXXX  within t he 30-day period of receiv ing this notice.  XXXX   XXXX  should cease and desist all collection activity and threats of judicial foreclosure until they have validated a debt, provide proof of creditor status and provide a complete accounting of all individual amounts, which would include any  3rd  party payments made towards this loan from obligors and other parties. Evidence of any electronic transfers of the note should be provided as well to establish who is entitled to receive payments.     The notice is a threat to deprive of our property with the statement, Even though the judicial foreclosure process is being commenced and may proceed during the 30-day period In this notice,  XXXX   XXXX  provides a false statement that BANK OF  AMERICA, N.A. ( BANA ) , is the current creditor to whom the debt/loan is owed.   BANA has never extended credit to us and has no economic interest in promissory note. BANA is only a servicer debt collector.
In a previous notice ( attached with this complaint ) sent to us by BANA, th  ey stated that  XXXX   XXXX   XXXX   XXXX   XXXX  was the creditor to whom the debt was owed.      XXXX   XXXX  and   BANA are violating the FDCPA that they must comply with.
BANA   is not a creditor per the FDCPA http : //www.ftc.gov/os/statutes/fdcpa/fdcpact.shtm   803. Definitions [ 15 USC 1692a ] As used in this title -- ( 4 ) The term " creditor '' means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.
http : //www.ftc.gov/os/statutes/fdcpa/commentary.shtm Section 803 ( 4 ) defines " creditor '' as " any person who offers or extends credit creating a debt or to whom a debt is owed. '' However, the definition excludes a party who " receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. '' 1. General. The definition includes the party that actually extended credit or became the obligee on an account in the normal course of business, and excludes [ 53 Fed. Reg. 50102 ] a party that was assigned a delinquent debt only for collection purposes.

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