milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/22/2016 about Credit reporting () with Clarity Services (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I followed all the proper procedures stated by the above said company to FREEZE my credit report. And to stop authorizing my credit report to third party vendor without my consent. The company stated will not respond or follow through.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I just become aware that my student loan was delinquent, I had been out of the country for months to care for a sick father. I spoke to a representative and was told that I was on a deferment. Well after just getting hired for a new job, and a credit a certain credit score is required. I was told that my credit does not meet the requirements. I have never been late on my student loans. I was told I was on a deferment. I never received any documentation reporting that the student loans were out of deferment

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (IN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: CHEXSYSTEMS ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORTS.

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 09/22/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: We are formally writing complaint, and an appeal of the denial for a modification. The main complaint we have to the modification denial is the clear dysfunction of the CHASE modification review system. We have it documented that on XXXX XXXX 2015 CHASE declined us for a modification based on the GROSS income of {$6200.00}. Again, this is documented. In late XXXX and early XXXX we discussed this grave error made by CHASE. We were told by CHASE that if our income is actually higher then we should re apply for a modification and start the whole process over. We thought this was unfair because it takes 4-6 months to get through CHASES ' dysfunctional system and this was there mistake. But we are over our hardship, can afford our mortgage and want to keep our home. My husband, XXXX XXXX is XXXX years old and moving is something that could be to much for him. On XXXX XXXX we submitted for another modification review with the CORRECT income. We had our friend XXXX XXXX help us with under writing to make sure we made no mistakes and received the correct review. On XXXX XXXX 2015 we were notified we were declined based the income had not changed? We submitted income of {$10000.00}. This is a huge error. CHASE is basically lying saying now in XXXX the income was NOT {$6200.00} when we have it documented that what was used. Our attorney has advised us that we have a law suit based on these documented errors, and elderly abuse. WE WANT AVOID THAT. We are not trying to lower our mortgage payment or our interest rate. We are not applying for HAMP. We have had medial hardships and a loss of a son over the past year. We are elders who are over our hardships and simply want a modification to get back to current. Please review us for an in house modification to get back to current so we can make mortgage payments to CHASE.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2015 about Student loan (Non-federal student loan) with KEYCORP (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I got my student loans with Key Bank starting in XXXX 2000. I have been in repayment for 3 years. I recently had major surgery and was out of work a couple of weeks. They called me twice a day until I made my monthly payment. Every time they called I would ask to connect with a supervisor and after XXXX minutes I would finally get through. I asked for graduated repayment or any other assistance they might offer several times. Even in the hardship I was in I was told I am not eligible for any of those programs because I have been in repayment longer than 18 months and they no longer even give student loans so there was no department I could appeal to. Every bank I look into has much higher interest rates or do not accept balances as high as mine. I attended XXXX College which is a private school with high tuition and I 'm paying a student loan that is as high as a small mortgage. It 's a real struggle seeing as I 'm only a XXXX. Any guidance would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Mortgage (Conventional home mortgage) with Servis One, Inc. (TX).
Issue: Trouble during payment process

Complaint: RE : XXXX XXXX XXXX At the end of XX/XX/XXXX, all of my taxes had been paid off through my mortgage escrow account and there was a surplus of over {$1100.00} remaining in the escrow account. I contacted XXXX XXXX who told me that this escrow surplus would be disbursed in XX/XX/XXXX because that's when my account 's anniversary would be. I called today because I never received an end of year analysis/accounting report of my account which I believe is required by Federal law. XXXX XXXX told me the End of Year statements should be going out soon. While I wait to receive the End of Year statements I need the analysis/accounting report of my account. The customer service rep told me the account analysis/accounting report and the End of Year statement are two different reports. I know I had a surplus amount in my account at the end of XX/XX/XXXX of about {$1100.00} after all taxes were paid and my current escrow account reflects this surplus. It's my understanding that by Federal Law, all surplus money in an escrow account needs to be paid out. I need to know why XXXX XXXX  is holding onto this money and why I never received an analysis/accounting report of my account to see all payments made from the escrow account. I believe this is referred to as the Annual Escrow Account Disclosure Statement. I had called and left messages but no returned calls from XXXX XXXX. The customer service reps at XXXX XXXX  are not all helpful and when they explain things it's very unclear and they provide incorrect information. As I said, the customer service rep I spoke to told me the analysis report and the end of year report are two different reports. When I check my account online through XXXX XXXX 's website, my mortgage payment has already been reduced by {$15.00} for XX/XX/XXXX, but I never received an explanation or notification of a change in mortgage payment. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against  National Credit Systems  for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. My XXXX credit card account : XXXX was lost/stolen. The balance of {$2500.00} is all fraudulent and unauthorized charges/transactions. The following hard inquiry is fraudulent and unauthorized : XXXX XXXX XXXX XXXX, XXXX/XXXX/2017.

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 11-08-2016 about Mortgage (VA mortgage) with JPMORGAN CHASE & CO. (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I AM AN XXXX - DID A LIQUIIDATION APPRAISAL FOR JP MORGAN CHASE BANK XX/XX/2016 - CAN NOT GET PAID NEED SOME HELP XXXX XXXX XXXX, NC XXXX APPRAISAL # XXXX -

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NC).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: First there were many problems with recertifying my repayment plan with Fedloan. Fedloan requested I resubmit my tax returns over 6 times because I did not do the paper work correctly. Then my payment went from {$720.00} to {$1500.00} to {$2300.00} to XXXX in less than two months. I called ombudsman and gave the company another opportunity ( 8th chance ) to help me resolve the issue. Now my deferment was approved for a couple of days then removed and I owe {$6000.00} by XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Someone stole my personal information and fraudulently obtained a bogus credit card. This started in XXXX XXXX 2015. I became aware of this when XXXX XXXX in XXXX, XXXX contacted me of this illegal activity. I reported this to the XXXX Police Dept in XXXX Case # XXXX with XXXX XXXX XXXX conducting the investigation.They started a investigation along with XXXX XXXX and XXXX XXXX in XXXX, XXXX who then turned it over to XXXX XXXX XXXX who have closed the case. 
Many outstanding charges started mounting up on my credit causing my credit score to start dropping. 
I lost my husband last month and I need for someone to correct these errors. I am a victim who is XXXX old that needs HELP!! 
XXXX 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 non-monetary relief
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
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: On  X/X/2017    I sent certified correspondence to Transunion  LLC , ( it was signed for on  X/X/2017    ) regarding information placed on my credit repo rt, ( Illinois Federal Court " Bankruptcy '' and Will Recorder of Deeds " Tax Lien '' ) I requested that t hey VALIDATE the information, because the parties stated above mailed me letters stating that they DO NOT report to credit bureaus ( documentation was included in my initial dispute and uploaded in my complaint also ) .I requested that if the information placed on my report could not be VALIDATED I would like the information permanently removed from my report record, they responded to my request with a letter stating that it was VERIFIED and will remain on my report. I would like this matter re investigated.     enclosed is correspondence I am sending to Transunion to have my cas e re inv estigated along with my complaint to CFPB, a copy of the letter stating " verified '' fr om ( Transunion ) as well  as verification that  XXXX  has Deleted the Will Recorder of Deeds " Tax Lien '' from My credit report.

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 06/20/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX, and its law firm XXXX ( now known as XXXX ) in 2007, filed a foreclosure complaint, verification and attachments based on false, misleading, deceptive, forged signatures of attorneys, signed by non-staff employees in the authorized practice of law ( which is a crime in Pennsylvania ) to proceed in foreclosures, including foreclosures of my properties. The bank and its law firm at the time, knowingly and intentionally authorized non-attorney staff to prepare, verify and sign the attorneys ' names without any review by a legal competent attorney at the firm. These non-attorneys signed writs of execution, false notary witness and verification of assignment of mortgage and other pertinent legal documents used to litigate the foreclosure in the courts. This deception was recently discovered and upon review of the complaint, verification, assignment and other documents, I became aware of the scheme to defraud me of my property, through an illegal and improper foreclosure. In a deposition of all the partners of the law firm, they admitted that they never prepared, reviewed, verified or signed the complaint at any time, neither at the commencement or throughout the proceeding. The law firm and XXXX XXXX are debt collector in violation of the FDCPA, various Federal and Pennsylvania statues when the illegal foreclosure was filed into the court, thereby perpetrating fraud on the court. XXXX claimed legal interest by assignment, but did not have an assignment until after a default judgment was entered. Still no proof of evidence as to the legal standing of XXXX XXXX ( debt collector ) as the debt was in default at the time of its alleged assignment of mortgage, which is questionable. Documents including the assignment has forged signature of attorneys as well. Due to this deceptive and unconscionable act, any judgment obtained illegally is void. I have attached a full complaint and other documents providing the sworn deposition and testimony of the attorneys, their admissions, documented evidence of their admissions with exhibits of forged signatures in my foreclosures, as well others filed and recorded into the Pennsylvania courts.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I discovered an account from XXXX XXXX on my Experian credit report. I have never conducted business with this company so I need this account removed ASAP. Contacted the company directly and was advised that documentation would be sent to me via email. As of today, I received no information. I have also filed a complaint with XXXX Case # : 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 11-08-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I have XXXX issues with Ocwen Loan Servicing , LLC that I am in need of assistance. 

Ocwen purchased my mortgage from XXXX XXXX XX/XX/XXXX. On my XX/XX/XXXX tax statement from XXXX XXXX they have clearly waved any fees that I had acquired during the 18 years they had my loan. However, Ocwen is claiming that I owe them for these fees, amount of {$860.00}. They also have charged me an additional {$1000.00} in fees in less than a year. As of the XX/XX/XXXX statement Ocwen is charging me a total of {$1800.00} in fees. 

I have sent three letters to Ocwen questioning these fees, with no response. I have phoned their customer service department 4 to 5 times and received no assistance, or they suggest I send a letter to the same address that all my letters have been sent. 

Ocwen has been sued by nearly every state they do business, including Illinois for their unethical business practices, including exurbanite or unlawful fees. I have been late on some payments and expect some late fees, but over a thousand in a matter of months, seem very wrong. 

My second issue with Ocwen is XX/XX/XXXX I had some financial difficulty and had fallen behind on my payments. XX/XX/XXXX I applied to Ocwen for a loan modification. This modification was denied. No reason was given. 

I called the customer service department and was told to email a request for explanation as to why my modification was denied. Two emails were sent and as with all other communications with Ocwen, this request went unanswered. 

I have since gotten back up to date on my loan payments and have not been late for any payments XX/XX/XXXX. In XX/XX/XXXX a received a letter from Ocwen dated XX/XX/XXXX stating that I could appeal my modification denial, but have 30 days in which to do so. How could I appeal in 30 days when the letter was sent to me 45 days after the date on the letter?

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (SC).
Issue: Loan servicing, payments, escrow account

Complaint: The Shellpoint account listed on my credit report shows as past due for four payments of {$9800.00} ( credit report excerpt attached ). This account is current and no delinquency exists. Even Shellpoint 's company on-line information ( attached to this complaint ) shows my account as current and I 'm told updated information should be on my credit report showing the account is current with no late payments. This account needs to be corrected asap as I am trying to purchase a car and I ca n't get financing.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have sent numerous dispute letters disputing this account. With all the attempts they never validated the debt. My letter specifically stated that they must have all documents that bare my signature and also the billing ledger and any other information to prove that I was in default with this account. I have not gotten this information. As of today XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Deposits and withdrawals

Complaint: Bank of America did an unexpected or unauthorized automated payment from my personal account to my inactive past due small business credit card account that had been inactive for months. The amount of the transfer is {$490.00} and happened XXXX XXXX, 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: When I received the initial call, I asked the agent to stop calling me as I have no debt with the debtor XXXX XXXX ). After that, I received a call from a very deep voiced gentleman. He asked me my name and when I said yes, he hung up on me. He called back at least XXXX more times that particular day. Since then, I get multiple calls from this number and another number starting with XXXX. Most of them I allow to go to voicemail. I already know he 's going to hang up when I answer. I feel as though I am being harassed and I want it to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/23/2015 about Debt collection (Credit card) with Platinum Holdings Group, LLC (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Debt collectors started calling me XXXX weeks ago from world wide, the man named XXXX would call and act like hes a friend when my mom would answer never would tell her who hes witg or why hes calling. So I called back and he said that I owe this and that if I do not pay I will be sued. I told him I need it in writing of my debt so I know exactly. He said no we sent u something months back and now since u never responded we cant. I asked him what address and he told me and I said I havent lived there in XXXX years. He said to bad. I said well I need it in writing. He said no. Then I said I cant pay the whole thing. He said well we will garnish your wages. After that I called backto speak to a manager and her name was XXXX, she said that thats the reasons business go under. She said she would look into it. Well XXXX days later here calls XXXX again saying u didnt get anywhere with her and I did nothing wrong. Are u kidding me! So I called to speak to a manager he answers and he would n't let me speak to anyone but him. So I called the head manager, l and left a voice mail. Today Iget a call from him so he begins to tell me that is state law they can take mywages and planto do so. He said that he called my work and found out where I work and when he said the company name I told him sir ive never even stepped foot in there. He said I spoke to the manager and u work XXXX nights a week there. I told him that is completely untrue. He said your lying state of California show your working there. Then when I continued to tell him I dont work there he said well just sue u then and hung up. I could n't believe it. When I got off work I called the place he said I worked at and asked if someone there said I worked there. And the lady said the manager has been out of town for a week and they are not aloud to tell people u work there unless its in writing. Can someone tell me if this abuse is legal or not?????

Company response to consumer: Closed with explanation