milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Equifax has posted an account from  XXXX   XXXX  stating I have a charge off for a auto loan. This information is not correct, nor did I have a balance when vehicle was returned to the purchasing dealer by another dealer.   I was not contacted by the bank at anytime that my vehicle was being taken bank by the dealership purchased at nor did the dealership contact me. Also if the dealer took vehicle back dealer should have paid off complete balance prior to receiving title back from bank.   how did dealership get title without paying off loan? When was customer offer a chance to pay any balance prior to truck being returned? Loan listed below.   XXXX   XXXX   XXXX   XXXX   XXXX  {$3300.00} Charged off account Fixed rate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/17/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: our mortgage has been sold out to OCWEN LOAN SERVICESAttention : SCRA or ServiceMember XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX : ( XXXX ) XXXX has a very strange mortgage services on XXXX/XXXX/2015 we send XXXX payments in XXXX separate transactions XXXX for regular monthly payment of {$2000.00} and a second payment of {$35.00} to be applied to principle. 
then again on XXXX/XXXX/2015 we paid OCWEN {$2000.00} plus another {$13.00} for principal payments. 
in both cases OCWEN did not apply the entire amount to the principal instead they applied it to the following monthly payments of XXXX and XXXX respectively where we asked them to apply the entire extra payment to the principal. Since we did made the regular payments on time and did send the extra payments too we hope Ocwen does the right thing and apply the entire extra payments to the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (DC).
Issue: Late fee

Complaint: Back in XXXX XXXX, I was laid off of work and could not afford to pay for my Capitol One student credit card. I discussed this with the bank, and they offered me no solution at the time. So I stop paying them. My credit card limit on this credit card was {$300.00}, and there was no way I could go over my limit except if late fees were stacked on it. In XXXX XXXX, Capitol One finally closed my student credit card and reported the credit bureaus that I owed them {$1500.00}. Today, Capitol One has a charge off on my credit report stating that I owe {$2200.00} total, which is 745.67 % over the limit! This is clearly a violation of the Credit CARD Act of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (OH).
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint: I had a  Netspend  account since  XXXX   XXXX . I had no issues with them until this paycheck did not come into my bank account via direct deposit. Beforehand, I have overdraft with their card and was not able to pay it back until I got this job I am working at now. I am supposed to be pay by the latest Friday at   XXXX    (   XXXX   XXXX   XXXX  ) and I still have not received. I called Netspend on Thursday to verify if my account is active and in good standing and I was told that it is. When I ask about my direct deposit for work, I was told they can not access that information.

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 08/18/2017 about Debt collection (Medical debt) with Capio Partners, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a robo call on my husband 's cell phone ( XX/XX/XXXX at XXXX XXXX ) and was asked to hold for a live person. Live person identified as a debt collector. First violation that they did not have authorization to call this cell number. Claimed I owed {$3700.00}. I explained that I had settled the account on XX/XX/XXXX with the hospital XXXX and had a cancelled check showing it was cashed. I also explained that another agency XXXX had contacted me in XX/XX/XXXX about the same debt and they were given the same information and I had not heard anything else from them about the debt. I sent a letter to Capio Partners LLC on XX/XX/XXXX disputing the debt and advising that they had violated the FDCPA, FRCA and TPCA with a copy of the cancelled check showing that the account was paid. I requested they send a letter to me acknowledging that they removed from my credit file and show account paid and closed. They have not sent a letter and have posted this to my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/18/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (IN).
Issue: Loan modification,collection,foreclosure

Complaint: Purchased the house in 1988. I retired and could no longer afford the home. Contacted the mortgage co. to do a quick sale it was approved. Could n't sale because they wanted more than the house was worth per thier appraisal. Next they approved a died in lieu. Next they kept stalling. Said thier Attorney had to do a lien search. Came back and said XXXX XXXX XXXX ahd a Lien on the property. I have never had any loan with XXXX. So I had a Attorney run a search nothing. I ask for the report. They sent me a report ran by XXXX XXXX Mortgage in california. I called them, they could not find anything. XXXX me to the Company in Indiana, they found nothing. So apparently these papers they sent me are fradulent. What they sent me was something they typed up. There is nothing legal about it. My Attorney did not find anything, thier soppose mortgage co dod not find or know anything about this lien. XXXX XXXX has been out of business for many years merged with XXXX XXXX, they had nothing. Changed name to XXXX XXXX XXXX, called them they had nothingThis has been going on for more than a year. My credit is now shot. They approved the quick sale, but I can not sell it because it is worth XXXX but they will only accept XXXX had offers for XXXX. Now they are putting up all the obstacles to not do the deed in lieu. Since there is no lien. They need to get this done and over with.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (OH).
Issue: Loan modification,collection,foreclosure

Complaint: This is my XXXX complaint against my mortgage company. For this complaint, I called last XXXX to get information for a Deed in Lieu of Foreclosure. I was told by the agent that I had to attempt a short sale XXXX for XXXX before a Deed and XXXX could be considered. Speeding up on the same subject, about XXXX months ago I requested information for a short sale. The information provided had all work out options including Deed in Lieu. I read the information for a Deed in Lieu and it did not say anything about having to do a short sale. I called again and spoke to a representative and agreed with what the paperwork said. She tried to go back in the notes to see why he would tell me that but she said she said since my account transferred to a new system, she did n't have access to anything earlier than XXXX 2014. How convenient. She said I can still attempt a Deed in Lieu but since my house is already up for sale I just wanted to finish out this option first. After submitting the shortsale information, I received correspondence stating that they received my request for a loan modification and I will receive additional information for what is needed. I clearly filled out the information for short sale and not a modification. I added the information for my realtor and her contact information, giving permission to speak with her. Then I received a letter from an Attorney basically suing me and I had to respond to the Answer, which I did. I called last Wednesday and the lady at the law firm could not find anything for me, not even a file. She transferred me to XXXX which just happened to be a mailbox, I explained I just wanted to verify again that it was received. If not, then I can fax the information over. I did not receive a call back, letter or anything. What I did receive today was a Motion for Default Judgment because I failed to respond. I called the law firm again and they were closed. I called the mortgage company, and of course he had no information on file. He suggested I speak with the short sale department and explain the judgment to see what has happened. He transferred me and they were closed. I ca n't deal with them on my own anymore. I keep trying to do the right thing and just not walk away, and sell the house and not leave it empty, but I still keep getting the incorrect information. That is not fair to me at all. I am trying to do right and have a lot of things on my plate besides this and I am still getting screwed. I do n't have the money to hire an attorney but if I have to I will make sure Ocwen absorbs the cost. I have done everything I was suppose to do and I still get sued.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is a XXXX account in collections that I know nothing about. This is not my account. I disputed it, received a denial to remove it from Equifax. I then called Equifax and spoke with a person and I asked them what the phone number was, address, any info to connect it to the real me and they were unable/unwilling to offer any proof of connection of that account to me. They also have incorrect personal information, address, work info, and did NOT report a car loan that was paid in full, never late which helps my credit. This is Not Fair. They are corrupt. This is life altering information used against us and nothing we can do to make sure it 's accurate. Disputing does not work, talking to a human does not work. 

I do n't understand how this is Legal.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Mortgage (FHA mortgage) with LoanCare, LLC (IL).
Issue: Struggling to pay mortgage

Complaint: My problem is with the servicer of my mortgage loan , LoanCare. I r efinanced into an FHA adjustable rate lo an two yea rs ago with  XXXX   XXXX   XXXX . The loan was then transferred to LoanCare. About a year ago I began having some   XXXX   health issuesmy  XXXX  flared up and also I was diagnosed with  XXXX . I had to be hospitalized to remove my  XXXX . I have been   XXXX   for the past 12 years working in asset recovery. When this happened, I was unable to work for several months and not able to collect any type of workmens compensation or insurance to make up for my lost wages. As a result, I fell behind on the mortgage loan.     At that time  Loan Care se nt me letters stating that they wanted to help, they understood, and when I called in their employees acted as if they were genuinely concerned and were ready to work with me to fix this problem. Unfortunately, the exact opposite has occurred. At first I had a single point of contact, but now  LoanCare ha s changed this contact multiple times. My documents are sent and re-sent, then I am told they were never received or misplaced and I need to send them again. I have never actually been reviewed for any assistance options, and I am falling farther behind. I dont know why I have not been considered for any of the FHA programs that I know exist for homeowners who have suffered a true hardship resulting in loss of income.       I am healthy again and working full time and my live in girlfriend works full time as well and contributes all of her income to our household. If LoanCare were to actually take the time to look at our financial information they would see that we qualify for assistance. I know that there are multiple programs available for homeowners with FHA loans -- -modification, partial claim, forbearance agreement or even repayment plan. I want to know why LoanCare has not given me a chance to be considered for any of these programs? I want to know why LoanCare is telling me I have to reinstate my loan in full or I am going to foreclosure. I want to know why my point of contact has been switched multiple times.
This is an avoidable foreclosure, but the longer Loan Care drags it out the further behind I become. I am certain that LoanCare is required to review me for these government programs but so far that has not occurred and I want to report LoanCare to the 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 10/19/2016 about Mortgage (FHA mortgage) with CITIBANK, N.A. (GA).
Issue: Credit decision / Underwriting

Complaint: My name is XXXX XXXX, and I have XXXX mortgage accounts with Citimortgage, and the XXXX mortgage is being reported to the credit bureau incorrectly. Because of the incorrect report, I am being prevented from getting any additional credit line from other creditor like XXXX bank. On the XXXX mortgage there is XXXX amount due until 2024, and yet Citimortgage is reported on a monthly basis the full loan amount is due to all the major credit bureau. Citimortgage is reporting {$24000.00} due on every month when in fact my due amount is {$0.00}. I applied for a credit card line of credit to XXXX bank, and I was denied on a basis of " Obligation is too high base on my income. I have asked Citi Mortgage to correct the reporting on many occasion, but there research dept is refusing to correct the reporting. I am seeking the help of CFPB. Citimortgage has no right to misrepresent my record which prevent me from receiving additional credit line approval. This mortgage has been in existance for 22 years, and now I am getting wrong reporting on my behalf which cause me harm financially.

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 05/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Hi It was surprising to hear when FCO collection department called me up and started saying I owe $ 5300+ amount for XXXX XXXX XXXX XXXX, XXXX NY XXXX I did tell FCO I do n't owe any amount, I did pay additional {$1000.00} while leaving the apartments before lease breakage and informed that I will share all evidence documents, which I did send on XX/XX/XXXX, after that I told them whenever they contact me do send email communications but never heard back after informing to send emails I shared the Voice recorded message, document that I had signed and shared with XXXX XXXX XXXX , never got response back from collection department. On XX/XX/XXXX No damages were informed by XXXX XXXX XXXX when I called them XX/XX/XXXX and collections department was saying different messages every time they call - I did ask for evidence none of them I have been received I did pay {$300.00} as non-refundable amount which covers for the apartment damages if any I do have evidence documents of lease breakage, voice recorded for the agreed amount proof for {$1000.00} as lease breakage Initially XXXX XXXX XXXX XXXX Manager said for lease breakage pay amount of {$2400.00} ( attached the copy shared by XXXX XXXX XXXX via email ), later after negotiating she agreed for {$1000.00}, the same amount I paid off and left the premises. I left when Leasing office is open and communicated properly before leaving, handing over all keys, shutting off water, Electricty, Internet at XXXX all the information. 
Even while leaving the premises, handed over the letter took the copy of it ( original is with XXXX XXXX XXXX ) XXXX/XXXX did say " you are good to go '' if any amount is due they would have told me on that day itself there was amount for close to $ 600+ for apartment damages which they were mentioning I did ask for proof but never heard back, I told them based on the evidence document and further evaluation I will pay any differential amount if it exceeds {$300.00}, as I did pay {$300.00} for covering the same to XXXX XXXX XXXX apartments. 
I tried reaching XXXX XXXX XXXX apartments manager last week and left Voice message never heard back as well Request you to please have this issue closed as soon as possible

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Capital One extorts money from elderly clients. My XXXX year-old father who has XXXX 's and XXXX never requested a new card. Captial One sent him a new credit card after his old card ( ending in XXXX ) had expired in XX/XX/XXXX. Along with the new credit card ( ending in XXXX ), Capital One charged a membership fee of {$39.00}. Capital One sent the new GM credit card AFTER I called, faxed, and mailed POA documents. Despite all the documents I have submitted, Capital One refuses to add me as POA. They insist I must provide them with my annual income and social security number. I have requested Capital One to provide a copy of their policy that verifies they will not share personal POA information with affiliates. As of yet, Capital One has not provided any such proof. Meanwhile, the initial {$39.00} charge has now become {$110.00}. Capital One began calling my elderly   father 's residence to collect payment on charges he never made. Captial One invented all the charges. Whenever I answer their calls, I explain the situation. Nothing is resolved. And on XX/XX/XXXX,  my father answered the phone and allowed Capital One to deduct payment from his bank account. ( My parents have also been the victims of prior financial abuse. They are {$450000.00} in debt. They have little money to spare! ) On XX/XX/XXXX, I wrote and sent ANOTHER letter to Capital One with POA and all required paperwork, ( save my annual income and social security number ). Capital One 's response was to send a form letter with an entirely DIFFERENT ACCOUNT NUMBER THAT WE HAVE NEVER SEEN BEFORE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Debt collection (Other debt) with ERC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXX The company states they made an attempt to notify me that an account in which I have no knowledge of and have not had proper verification of validation of debt being owed. They reported on XX/XX/XXXX, ERC made several attempts to contact me. Which is not true. They also submitted a report saying they sent an initial letter notifying me of the account placement in their office. Began to express they spoke with me on XX/XX/XXXX, which again is not true.They also state On XX/XX/XXXX, ERC received a dispute forwarded to our office by the credit reporting agencies. Which IS true a dispute was submitted to all tree credit reporting agencies XX/XX/XXXX. As a result XXXX and XXXX have removed the reporting from my credit file because the company failed to provide proper validation of the ownership for this account and failed to do so in the amount of time legally allowed to validate debt. They have failed to remove the report from my XXXX account and it is adversely caused me to be declined from recent credit line request. My dispute reason was submitted as Ownership : I have no knowledge of this account. They then have stated that I need to contact the fraud department. Their debt collection tactics are to give the run around without properly validation. They have placed information my my XXXX account after the 45 day time limit which is illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2017 about Debt collection (Mortgage debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX reported {$190000.00} with a remark stating loan modifiedon XX/XX/XXXX. This account in question supposed to be a mortgage which I dont have. The property thats been referred to was taken back in XXXX by Bank of America ( principal balance was XXXX ) that was the last time I heard anything about the property. Until XXXX XXXX service appeared on my credit report this month. The company stated to me that the loan was transferred to them by a company named XXXX ( I do not know the company ) in XXXX and I modified the loan in XX/XX/XXXX. I do not live in the property nor do I own the property since XXXX. To my understanding XXXX XXXX XXXX has received and holding insurance proceeds on my behalf which I did not give them any consent to do so. I have requested for the alleged application that I sign to request loan modification which the company is unable to provide.

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 06-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
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 have been seeing on my credit report and account i have with  XXXX   XXXX   XXXX  has been showing negative. i did make a late payment for the first time since i had the card in  XXXX     2016  but never missed any payments since and have aleady paid  XXXX  bill and not due until the  XXXX .  XXXX   XXXX   XXXX  is blaming the credit  XXXX  and  XXXX  is blaming  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 explanation
Consumer complaint received 06-02-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX has approved a short sale for a XXXX veteran, the file is in the closing phase with Chase and the Closer XXXX XXXX has been making closing demands that are above and beyond the approval letter and above and beyond XXXX XXXX guidelines. She has caused a great delay in closing this file and appears to be doing everything she can to cause this transaction to fail. I have escilated this issue with Chase Executive offices and they have not resolved this issue.

Company response to consumer: Closed with explanation