milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-02-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: My husband and I are trying to refinance our house. Ocwen is our 80 % mortgage holder and they are not reporting our monthly payments to the credit bureaus. We tried to refinance with a mortgage broker and when she ran our credit Ocwen a showing as a close the account ( See example A ). She told us this is affecting our credit score and in turn we can not refinance. I contacted Ocwen 's resolution department to discuss this matter, they told me they are reporting our monthly payments to all XXXX credit bureaus XXXX, XXXX, XXXX, and XXXX as current and that I could contact the credit bureaus to confirm. When I contacted all XXXX credit bureaus to confirm our account is being reported as current they told me Ocwen is not showing on our credit. We have a high interest rate as well as it is a fluctuating interest rate with Ocwen. They will not let us refinance with them and we are unable to refinance with another company due to our credit score because of Ocwen 's lack of reporting. Ocwen 's resolution department sent me a response letter stating that they are reporting to the credit bureaus. And when I spoke with the credit bureaus individually I was told Ocwen is not showing at all on our credit report. Ocwen is still refusing to fix this because they say they are currently reporting our account as current. Since claiming bankruptcy in 2008 we have never made a late payment to Ocwen or our previous mortgage servicers. Since informing Ocwen we were speaking to other mortgage brokers about refinancing we have started to receive phone calls from a man named XXXX XXXX claiming he is from the Federal Government Mortgage Relief Program and that he can reduce our principal balance by {$45000.00} bringing are principal and interest payment to {$540.00} with a fixed interest rate of 1.6 % and he tells me that only he can talk to Ocwen to make these numbers official. But he does n't realize that when he called the XXXX to time the number on my caller ID showed up as a number I was given by an Ocwen employee as a number I could call Ocwen to check the status of the issue with our credit report. Can someone please help us we currently own more on our house then it 's worth we have never refinanced or remortgaged or borrowed against our house and just want to be able to afford our monthly mortgage payments and right now with our taxes and insurance we are paying about {$1800.00} monthly we are drowning.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (MS).
Issue: Loan modification,collection,foreclosure

Complaint: I am lodging another complaint against Ocwen Loan Servicing , LLC because they are committing fraud, submitting fraudulent debt and loan information and pretending to be a bank, mortgage lender, etc. The Office of the Comptroller of the Currency assigned me a case number on XXXX XXXX, 2015 and transferred the complaint to the appropriate supervisory agencies which are The Consumer Financial Protection Bureau ( CFPB ) and The Mississippi Department of Banking and Consumer Finance. The Mississippi Department of Banking and Consumer Finance, State of Mississippi phone number is XXXX or XXXX ( XXXX ). However, The Mississippi Department of Banking and Consumer Finance have not contact me nor did they acknowledge that they ever received the complaint. More importantly, I did a follow-up by calling to The Mississippi Department of Banking and Consumer Finance on XXXX XXXX, 2015 to try to find out about the progress of this case. An attorney with Mississippi Department of Banking and Consumer Finance stated that they would be contacting me about this matter. However, no one from this agency has contact me.Resolution : I am seeking compensation, legal responsibility fees, indemnity fees, pain and suffering fees and other legal remedies from Ocwen Loan Servicing , LLC because they are acting as a bank, mortgage and finance company, lender and they are illegally operating in the State of Mississippi and USA. I need The Mississippi Department of Banking and Consumer Finance to allow me to know what steps have been taken to prevent Ocwen Loan Servicing , LLC from acting as a bank, mortgage and finance company and illegally operating in the State of Mississippi. I need to now if any steps have been taken to prevent Ocwen Loan Servicing , LLC from committing fraud and operating in the State of Mississippi as a bank, mortgage company lender etc. ( See the enclosed exhibits ) Resolution : I am seeking compensation, legal responsibility fees, indemnity fees, pain and suffering fees and other legal remedies from Ocwen Loan Servicing , LLC because they are acting as a bank, mortgage and finance company, lender and they are illegally operating in the State of Mississippi and USA. I need The Mississippi Department of Banking and Consumer Finance to allow me to know what steps have been taken to prevent Ocwen Loan Servicing , LLC from acting as a bank, mortgage and finance company and illegally operating in the State of Mississippi. I need to now if any steps have been taken to prevent Ocwen Loan Servicing , LLC from committing fraud and operating in the State of Mississippi as a bank, mortgage company lender etc. ( See the enclosed exhibits )

Company response to consumer: Closed
Consumer complaint received 11/24/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XX/XX/XXXX i was contactacted by XXXX XXXX about two accounts i had in collections. XXXX with XXXX XXXX about taking care of the accounts. He told me he had a settlement offer for me. I said i didnt want to take a settlement if they were going to report to the credit Bureau that i paid less than the full balance. He told me if i set up payments and made all the payments on time he would report to the credit Bureau i paid balance in full. All payments were made on time and I fulfilled my end of the agreement. XXXX XXXX has now reported to the credit Bureau that i settled for less than the full balance. I contacted them on XX/XX/XXXX and ended up speaking with operations manager XXXX XXXX, who told me that i made a settlement and that their representative had miss spoke about the agreement that was made. XXXX refused to listen to the conversation that we had and repeatedly told me i was wrong. She stated multiple times that the representative had not worded the conversation properly and refused to help me. I specifically told XXXX that i didnt want to do a settlement if they would report that i paid less than the full balance. He assured me that he would report i paid in full. He talked me into taking the deal by misleading me in their end of the agreement. Exactly what he told me wouldnt happen did. XXXX XXXX refuses to live up to the agreement made and now refuses to help resolve the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: syndicated office systems also known as central financial control has placed a balance owed on my credit report in the amount of {$540.00} i sent this agency two notices requesting they validate the debt there claiming i owe. i have yet to received any such document per fdcpa section 623 if debt cant be validated they must remove this account

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 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
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 would like this case looked at again, this is completely wrong what Bank of America has done. 

I had a Home Equity line of credit, with Bank of America, Loan XXXX as of XX/XX/XXXX they put me on a Balloon Modification program " trial period '' per the letter attached. IT states that the payments due for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX were the {$4400.00} due on XXXX of those months. Clearly as you can see in the copies of the cashed checks, all was paid each of those months on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX -- -- NOT LATE, I decided this loan payment was absurd and paid off the loan on XX/XX/XXXX, in full {$560000.00}!!!!! Clearly I am not going to accept their falsifying information on my credit score when it dropped from XXXX to the low XXXX OVER 100 points!!!! This has effected my future purchases since then!!! AND AGAIN, completely false. I have attached all the documentation again along with MORE proof on the XXXX CREDIT FILE XX/XX/XXXX CONFIRMATION # XXXX, ON PAGE 3 OF 6, SEE HIGHLIGHTED AREA WHERE SAYS AMOUNT PAST DUE AND SAYS {$0.00}. ON XX/XX/XXXX PAGE 4 SAYS SCHEDULED PAYMENT AMOUNT, {$1400.00}, ACUTAL PAYMENT AMOUNT ON SAME LINE {$4400.00} AND AMOUNT PAST DUE, XXXX!!!!! SAME FOR LINE XX/XX/XXXX AND XX/XX/XXXX!!! SO HOW CAN THEY FALSIFY INFORMATION AND SAY I WAS LATE FOR XX/XX/XXXX AND XX/XX/XXXX SEE ALL  ATTACHMENTS, I NEED THIS CORRECTED IMMEDIATELY I HAVE SPENT COUNTLESS HOURS ON THIS WITH FAXES AND PHONE CALLS TO BANK OF AMERICA WITH NO PREVAIL ... .I NEED THIS CORRECTED IMMEDIATELY PLEASE

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 10/21/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have repeatedly disputed these inquiries with Experian, I set my dispute certified mail. Experian did n't respond within the 30 days which is a violation of the FCRA XXXX XXXX. The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offers b ) insurance c ) employment or d ) a court order. 

I did n't authorize any of these inquiries. I sent dispute letters to Experian and dispute letters to the furnisher and they never sent me a copy of my signature or a contract, these inquiries are still not deleted from my credit report. These inquiries are affecting my credit score. I attached a copy of the companies that pulled my credit, whom I did not give permission to do so. Please remove these inquiries from my credit report immediately.

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 11-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I 'm concerned at how a company is allowed to place items on a consumer report without providing any validate what so ever. On XX/XX/XXXX I submitted for this to be investigated and of course, Midland using all their illegal tactics, was able to get it closed through CFPB. Since then the accounts that they can not verify as being mine has been removed, placed back on file, closed, reopened several times, which has totally destroyed my credit.
My concern is how are they able to continue these actions and the CFPB protects them?
At this time I have yet to receive a validation of any of the 3 accounts they are claiming to be mine. I started this in XX/XX/XXXX, and the CFPB has done nothing at all. 
This company can not provide a validation as to they do n't have any agreement with me at all. My last credit check also reported these accounts in collections and a month prior all 3 reported closed. This action is purposely damaging my credit file.
This company has multiple discrepancies they have place on my credit file.
This will result in lawsuit as I have been monitoring and documenting all the activities that they have been doing with my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I NEVER used my credit before and when I applied to get my first car the dealer told me that my credit was at a XXXX and I just paid a car off and just leased out a new one. He said I also had school loans and the name and address were different from mine as well as the employer. He could not give me the information that we received. I tried checking my credit online but a lot of the sites are n't letting me because my social is associated with other accounts on the websites. I 've been trying to go through this process and I signed up for XXXX and they 'll do the investigation for me but I need the information for the other people. I have still yet to open anything in my name, so everything on my credit report is invalid and needs to be eliminated so I can start establishing my own credit. I 'm only XXXX years old and the credit usage dates back to when I was XXXX years old. These accounts have been on my credit for years.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Debt collection (I do not know) with Bridgecrest Acceptance Corporation (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: Company refused Police Report and Identity Theft Report on several occasion dating back to XXXX to Present. Several Calls were made to my cell phone due supplying the company with a copy of current Driver 's License, Social security Card and contact information to resolve this issue instead the account was just update with my personal information that was requested by the company after sending a Police Report and Identity Theft Report after abating this information I proceeded to get phone calls regarding the fraudulent account asking when I 'm going to pay it and that if I did n't pay they were going to press charges on me and garnish my wages.

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 03/29/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have sent several certified letters to XXXX, XXXX and trans union multiple times asking them to verify this chapter XXXX bankruptcy information in my credit report. Each time they send me a letter stating that the BK is valid as per third party source. I then sent a letter asking as to whom they received the information, again I get a letter back stating a third party source. I then contact the court system, they tell me that they do NOt. Report anything to the CRA and nobody called them to verify any information! I want this acct removed from my reports immediately as they did not follow the fcra!

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 08/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Sentry Recovery and Collections, Inc. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Company continues to violate FDCPA. 

Case number : XXXX Related Case Number : XXXX Please read prior response they submitted to initial complaint. Not only have they not removed this from my credit files, but they continue to confirm this to the credit bureaus. I have confirmed this with XXXX and XXXX as of this date, XXXX/XXXX/2016. 

Company responded : Sentry Recovery and Collections, Inc. said : Explanation of closure Given XXXX claims that the amount assigned for collection was not accurate and the original creditor 's failure to contact Sentry in response to its attempt to investigate XXXX claims, Sentry has closed the debt and returned the account to the original creditor. Sentry will also dismiss the lawsuit that was filed against XXXX XXXX for collection of the debt. Sentry however, remains adamant that there was no FDCPA violation. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Nevada Case Number XXXX Department XXXX Shows this debt is not mine as the case was dismissed. Employees of Sentry Recovery and Collections continue to pose as a " legal '' department at location XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, NV XXXX. Employee XXXX, as well as the front desk secretary have used manipulative and threatening tactics stating that the credit files will not be updated until I pay the debt that is proven not to be mine. 

I have proof of contact via phone through billing statements, as well as stopping at the office on XXXX/XXXX/2016 at XXXX XXXX to attempt to get a paper to send to the credit bureaus with the response being that XXXX was " out to lunch '' and then after I said I would wait, that " I need an appointment. ". 

These complaints will be brought forth in response to the illegal activities in the appropriate forum if I do not have proof that this has been removed from my credit file by Monday XXXX/XXXX/2016.

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 08-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On X/XX/2017 I noticed a fraudulent charge on my credit card statement that was made at XXXX XXXX on XX/XX/2017 in the amount of {$47.00}. I notified my credit card company on XX/XX/2017 that this charge was fraudulent and submitted claim number XXXX. On XX/XX/17 I received a response from Bank of America that they have determined the charge was valid. I called Bank of America on XX/XX/2017 in the hopes of appealing this decision and I was told the case has been closed and can not be appealed. I did not make this transaction and am dissatisfied with the resolution of this case. Bank of America has failed to prove that I made this charge, and have not taken any action to protect my compromised account from further fraudulent activity.

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 monetary relief
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: My issue concerns with rogue inquiries made ( multiple ) to my Experian credit report. I recently attempted to resolve this issue via a letter i sent to them in early XXXX 2017 ( XXXX XXXX, 2017 ). To date I have not received a response or acknowledgement from Experian. The letter was sent via Priority mail with delivery confirmation and was confirmed to be received by the USPS. In my letter I asked Experian to investigate XXXX inquiries made to my credit report which are not permissible as per the Fair Credit Reporting Act. The XXXX inquiries in question do not fall under " permissible use ''. Furthermore on the XXXX inquiries in question, no specified reason is given. I discovered this while doing a periodic check of my credit report I also asked for additional information, as per the Fair Credit Reporting Act, 15 U.S. Code 1681i - Procedure in case of disputed accuracy, specifically : a ) the name and title of the person who pulled my credit report b ) the date of the alleged permission and for what purpose, since none was given c ) Method that the creditor claims permission was given and documentation of said permission. As stated before I received no communication on this matter from Experian.

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 07/16/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I had issued a complaint before about not getting mail from Navent in XX/XX/XXXX XX/XX/XXXX and they have failed to contact me or allow me to speak to a person to resolve the same issue. Now the company is destroying my credit score and still can not provide someone to talk to, to even try to resolve the issue. The company did call twice while they knew I was at work and gave a return number to their automated machine that will not redirect your call to a person. I have been trying to call them every week on my days off to no avail during their posted hours of operation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/16/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Billing disputes

Complaint: I was charged {$26.00} by a merchant. I did not receive any supporting documentation for this charge. After contacting the merchant and asking for supporting documentation, I was told that the merchant had none. However, the merchant still refused to refund my money. 

I filed a dispute with card issuer, Capital One. They initially credited the amount and asked for more documentation. I filled out the documentation and sent it back. 

Without contacting me, Capital One rebilled the {$26.00}. I contacted them, and they refused to reopen the dispute. Capital One claimed that in order to win the dispute, I needed to provide a receipt from the vendor showing an amount different than {$26.00}. I explained that I received no such receipt from the vendor at all, which was the issue in the first place. The vendor should have to provide documentation for the charge in order to win the dispute. 

Capital One admitted to not conducting an investigation with the merchant or even contacting the merchant at all. They simply applied the charge because I could not prove a negative ( i.e. provide a receipt which did not exist in the first place ). This is in breach of their duty to conduct an investigation of the dispute.

Company response to consumer: Closed with monetary relief