milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (CO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Due to Wells Fargo keeping the ID thief 's address and name to themselves for 8 years on my husbands account, the ID thief 's address is now on my credit report. I did not know this until XXXX sent me a copy of my excellent credit record. Perhaps this explains why fraudulent charges began occurring on my now CLOSED WF  credit card. And they are appearing on my 1st Bank statements in which I have to get new cards issued. The USPS delivers mail under my husbands name and now most likely mine to the incorrect address in XXXX, California. I have never had anything sent to me. I did send a notification to the XXXX, California post master general on this date for my husband, but I will have to correct to include my name, also. Wells Fargo denies any further fraud after their investigations. I will forward copies of all of it to CFPB.

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 03/14/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: The Loan was acquired by Ocwen mortgage from GMAC. The original Mortgage agreement was 180 payments of {$920.00} after that a Balloon note was due in the amount of {$88000.00} on XXXX/XXXX/XXXX. Being that we were a Victim of Predatory Lending we asked that the balloon payment in the amount of {$88000.00} be put in a loan. Instead of doing that, OCWEN offered a Loan Modification ( HAMP ) in the amount of {$110000.00}. When asked to explain the difference they continually say the fees for none payment, escrow fees, etc. This was not an Escrow Loan but, one was opened. They told us they were n't accepting payments but, asked that 3 payment of {$720.00} be made for a modification to be approved, which were paid. They sent a letter stating the modification was approved and sent loan documents that they wanted us to sign. The loan documents were in the amount of {$110000.00} with a balloon payment attached in XXXX of course, we refused to sign because the numbers did n't match. Now they denied the modification based on the fact the paperwork was n't signed and returned but, they failed to return the {$2100.00} ( 3 payments of {$720.00} ) paid for the months of XXXX, XXXX & XXXX XXXX. A IRS form XXXX was received for the tax year of XXXX from OCWEN in the amount of {$15000.00} ( TOTALLY INACCURATE ) because NO PAYMENTS were made in XXXX other than the amount of XXXX that was requested for the modification which later they denied. 
On XXXX/XXXX/XXXX a check made payable to OCWEN LOAN SERVICING in the amount of {$16000.00} for Principal Payments and {$1800.00} for Interest payments was distributed by a bankruptcy trustee this amount is unaccounted for. We have money orders that were cashed and made payable to OCWEN Loan Servicing with are not reflected on the statement or on the print out provided ( {$8300.00} ). We 've requested several explanations of where the money was allocated over time they acquired the loan no response, requested that the Escrow be closed because in the original terms of the loan the Homeowner pays all Real Estate Taxes and Insurance no response, we have a Suspense and Forbearance Credit of {$5200.00} which we have requested an explanation of and/or return that amount no response. 
We have tried to refinance the balloon amount of {$88000.00} but, we can not get a true and corrected payoff, Ocwen has not reported to any of the XXXX Credit Bureaus and we can not show 24 months of consistent payments because none have been accepted. I have advised OCWEN on several occasions that this account will be reported to the authorities if this matter is n't corrected in timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: On XX/XX/XXXX according to the judgement case file, a case was filed against me from portfolio recovery associates. <P/>I never once received a summons to appear to court and on XX/XX/XXXX the default judgement was awarded to them. <P/>I went to the court house recently to figure out what this was because I only found out about it while trying to get a house mortgage. They told me what address they sent it to which was wrong, and said the signature they could not read but yet the delivery was successful. <P/>I 've tried to contact them for more information and proof of this debt because I have never own a credit card through XXXX. <P/>This is not only hurting my credit, but also hurting my chances of owning a home. <P/>Thank you for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/30/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I 've been paying into my student loans for the past 5 years, always on time, and under the assumption my loans would be forgiven after 10 years in public service. Direct loans consolidated my loans and was told I was in public service when they placed me under the wrong repayment plan. They said I was good to go. I called Navient in XXXX 2016, and they informed me I had been paying the minimum payment on a 20 year repayment program and that it did not qualify for the 10 year forgiveness program. They also informed me that I could n't use any of those years of paying towards the 10 year forgiveness. I called Direct Loans after that and they had no clue that I had to be under a 10 year repayment program. It 's my understanding that direct loans and navient are contracted through the department of education. Perhaps in the future all these student loan groups could do a better job with sharing information to ensure those of us who work hard to help our communities are not mislead. It literally makes me sick to think that A. I trusted the wrong person to ensure I was in the program, and B. That had I of known I was n't in the program, I could 've paid more to reduce the cost of the interest with these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Late fee

Complaint: I live in XXXX and I had a credit card with Chase, which I cancelled this summer ( I believe in XXXX or XXXX ) and paid off in full, as far as I knew. I remember that I called Chase and spoke to people on the phone to close a checkings, savings, and this credit card account, at which point I know I paid everything off, because that was the entire point of closing them -- my wife and I were consolidating our banking with XXXX. 

I recently got a notice that my credit score had dropped and then learned that Chase has been charging me late fees and interest on the card for months, so that I know have an outstanding balance of {$270.00}. In looking at my statement, it appears as though Chase, in XXXX, charged interest of {$130.00} on the previous balance AFTER I had paid the card off in XXXX, and then just kept charging late fees and more interest on top of that for months after the account was closed, without my knowing. I have received nothing from them formally notifying me of this outstanding balance, nor did the person I spoke to on the phone when I closed the account mention anything other than that it was paid off and closed in full. I 've only received generic 'Your statement is ready ' emails that make no mention of it, and which I viewed as spam since I had already closed the account. I paid off the balance just now so that the problem will go away ( hopefully ), but I also want to make sure it gets reported.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I 've contacted the companies who have pulled my Credit fraudulently without my consent or authorization in an attempt to get credit and use it without my permission. The companies state someone provided my Information to contact the credit bureaus. I have gone ahead and added a fraud alert to protect my information since then.

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 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on XXXX/XXXX/XXXX. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required XXXX period. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 
I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( XXXX ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy  of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not  furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section XXXX03 ( p ). 
As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. 
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-3 )

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 09/17/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: Hi, I have used Equifax complete premier plan for 7 years. According to their customer service rep, the {$9.00} is a " special '' price can only be good for 12 months. So I have to call every 12 months and ask them to honor this " special '' price for 12 more months. I noticed XX/XX/XXXX and XX/XX/2016 they were charging me {$19.00} on my credit card, I called Equifax to dispute and was told they would give me {$16.00} credit and would extend the special price for another 12 months. However, XX/XX/XXXX they charged me twice - {$19.00} again AND {$9.00}. I called Equifax again and spoke to XXXX ( cancellation dept ) and his supervisor XXXX, they both gave me the run around and said {$16.00} was actually a credit for XX/XX/XXXX, which is different from what the previous agent said. They basically refused to refund the {$19.00} they double charged me XX/XX/XXXX. To me that is bait and switch and dishonest practice. I am just shocked that a reputable company such as Equifax would hire inexperienced and unprofessional folks to handle customer service and disrespect their loyal customers.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Mortgage (VA mortgage) with Pacific Union Financial, LLC (PA).
Issue: Closing on a mortgage

Complaint: Around XXXX XXXX I requested a payoff figure from my mortgage company, Pacific Union Financial. I received a payoff statement dated XXXX XXXX, XXXX with a total amount to pay the loan in full of {$150000.00}. Ive been paying the same monthly mortgage payment since then. When we accepted an offer for this house in XXXX XXXX, it was based on the fact that the payoff should have been somewhat lower than the XXXX XXXX, XXXX payoff figure. We negotiated the sale of this house using the {$150000.00} as the maximum wed need to clear in order to pay off Pacific Union. 

I requested an updated payoff figure from Pacific Union to get a better estimate on what to expect financially at closing on XXXX XXXX, XXXX. To my surprise, I received a payoff statement dated XXXX XXXX, XXXX for {$150000.00}. This is {$4600.00} more than the XXXX XXXX, XXXX payoff figure. This is a problem as we 've broken ground on another home. The additional {$4600.00} Pacific is now expecting in payoff contradicts what they sent me in XXXX XXXX. 

Pacific Union has admitted that they made a mistake with the XXXX XXXX payoff statement. However, theyre expecting that were to pay for their error at our XXXX XXXX closing. 

I expected that the official statement Pacific Union sent me in XXXX was accurate. I used payoff figure to negotiate the sale of this house. The payoff should not have increased. 

I brought this discrepancy to their attention through their online messaging system and faxed them all the documentation they requested. They are now telling me I need to address this issue through their dispute department further delaying the settling of this issue. Time is of the essence as it 's now XXXX XXXX. This unresolved issue it too close to the closing date of the sale of this house. Since they were faxed all of the documents, at their request, they should have forwarded my complaint to their dispute department. 

Pacific Unions mistake could ripple effect into us not being able to honor our sales contract on this home ; which will cause the people ( also vets ) that purchased this home to not have anywhere to live. Their error will then release us from the contract on our new home ; and, none of the real estate agents involved will receive their commission. Their error is far reaching. 

I 'm attaching the two official payoff documents received from Pacific Union along with the envelopes they came in and the fax to them. I 'm also attaching the email traffic I 've had with Pacific Union in their online system.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/17/2015 about Debt collection (Medical) with United Consumers Inc (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I went to XXXX to received the medical emergency help in XXXX 2015 due to the work injured and I had the claim number which I provide to hospital, but the bill was sent to me. 

I tried calling ( XXXX ) XXXX number in hoping to talk with XXXX ( the actual bill : proof file attached ) trying to explain to them to what was going on, but this number would never be working. There were no chance to talk and correct this matter. 

So, I had to forward the bill to my attorney in XXXX 2015 ( please see proof file attached ) No further bills have sent to both my attorney and I after XXXX 2015. 


Bill was not paid until I acknowledged the alert from my credit report ( on the night of Friday, XXXX XXXX, 2015 ) where my point dropped down XXXX points. After I know the problem, I took care of the bill myself ( payment posted on my account on Tuesday, XXXX XXXX, 2015 ). 

My attorney made the informal conference to XXXX agent ( please see file attached ) XXXX did not take care this bill. That was the reason why my credit score has dropped XXXX points because the collection action was put under my name. 

I need XXXX insurance explain in writing where I report to credit bureau that it was not my false.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Debt collection (Medical) with Peter Roberts & Associates, Inc. (MA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received a bill from Peter Roberts and Associates INC. stating that I owed {$270.00} to XXXX from an old account that was handed over to them. I have never received a bill from this company or any demand for payment. 
I do have medical insurance and it always gets checked before any doctors appointments. I called my Dr. just to clarify, who uses XXXX and they told me that they never sent anything to Peter Roberts and Associates regarding my account. I tried calling Peter Roberts multiple times, however it goes straight to an answering machine.I left multiple messages, but never received an answer. Please look into this issue, as I am lost why I got this bill. Others have been contacted by this company which appears to be fraudulent. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I signed up for the {$400.00} checking account bonus online and have fulfilled the requirements for the bonus but have not received the bonus yet. I have called and secure messaged them many times to no avail. I have probably called in over 10 times and they keep stonewalling and escalating to no one. The promotion code was XXXX. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I use Experian and XXXX credit monitoring services and they have that my " Credit History is too short '' and that is hurting my score. My oldest account is 28 years old, my average account term, according to them, is ten years. I have numerous mortgages on properties that I have held for 15+ years, numerous credit cards that I have had for over 10 years, which I pay more than the minimum payment and all on time. I am not sure what they consider " aged accounts '', but by most standards my credit accounts are not " too short ''. I called Experian and they could not figure out why FICO considers my credit history to be " too short ''. They told me that FICO sends them that information. Instead of contacting FICO, I wanted to file a complaint as I am sure others are receiving the same status, if you will, of too short a credit history. I have excellent credit, but by FICO standards, I am just " good ''. There scoring models need to be reviewed so that it is fair for all and not something that seems to be arbitrary. 
Thank you and I look forward to your response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Debt collection (Federal student loan) with Account Control Technology, Inc. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I was speaking a a XXXX XXXX about entering a debt rehabilitation program. I was explaining that I had no means to repay the debt at the moment but would appreciate if they could stop calling. I was later transferred to a supervisor named XXXX, she explained that this was a Federal loan and it had to be paid. She battologized the word " Federal ''. I explained to her that I have XXXX and the calls have been XXXX, that I would appreciate if they could lower the volume of the calls and I would pay the debt as soon as possible when I gain employment. She asked me for my debit card information and told me to speak with my family about helping me repay this debt without listening to me explain that I do n't have financial support at this moment. This incident left me scared, anxious and triggered a XXXX in me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief