milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/29/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I 've been trying to reach and/or talk to someone at Ocwen Loan Servicing, and I can never get through to anyone. I 've left several voice messages to get my issue resolved and no one is wanting to help me ( no live person to talk, to about my case ), no call backs ( nothing ). In addition, my checks ( that I 've mailed monthly ) have never been received ( by Ocwen Loan Servicing ) although I 'm sending my payments. Ocwen Loan Servicing does n't want to cash my checks. My call goes to a XXXX number in XXXX ( which is a call center, where people are only reading scripts and not able to help ). I 'm about to loose my house and I do n't know what else to do, no one is wanting to help me. I need help and I do n't know what else to do, I want to put a complaint, because no one, wants to take ownership of my situation and no one cares if I loose my house.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (RI).
Issue: Settlement process and costs

Complaint: In XXXX my wife and I purchased a sail boat. The mortgage was held by Washington Mutual, XXXX Wa. In XXXX we paid off the mortgage for the boat and I received a Discharge of Mortgage. In XXXX our first floor of our house was washed out by Hurricane XXXX and we lost all of our paperwork including the Dishage of Mortgage. In XXXX I sold the boat. When the new owner tried to register the sail boat with the XXXX Documentation office they told the new owner he could n't because they never received the Discharge of Mortgage paperwork from Washington Mutual. I contacted JP Morgan/Chase and asked them to supply one. They explained to me that they only transferred electronically into their system account information that had open liens or mortgages. I then contacted Washington State DMV to see if they had record of my mortgage. They explained to me that they only keep records for six ( 6 ) years once they have received a Discharge of Mortgage notice. They suggested I contact the Credit Bureau which I did. They ran my credit history and there was no information on the report concerning our loan with Washington Mutual. They explained to me that meant I had paid off the mortgage and they do not keep payed off loan info for more than 10 years. So here we are, caught between a rock and a hard place and we may have to return the money we received from the sale of the sail boat because I can not prove to the XXXX XXXX Documentation office that we paid off our loan with Washington Mutual.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2015 about Debt collection (I do not know) with Weltman, Weinberg & Reis Co., L.P.A. (ME).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My name is XXXX, has been for XXXX years. My telephone number is XXXX, has been for 19 years. My name is not " XXXX XXXX '' and I do not know a " XXXX XXXX. '' Not sure about " XXXX XXXX, '' but my credit score is XXXX according to XXXX. If Weltman , Weinberg & Reis ever did their homework or even could read their own handwriting, they would realize I am not " XXXX XXXX '' and XXXX is not his number. 

But they have n't or ca n't, so I keep receiving nuisance calls to XXXX in their efforts to dun " XXXX XXXX. '' I have called XXXX and left messages that I am not " XXXX XXXX '' and XXXX is not his number. Yet I continue to receive their automated calls at least once a day, usually around XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Good morning, Acct # XXXX name is XXXX XXXX and I reside at XXXX XXXX XXXX XXXX , XXXX , Pa XXXX. My mortgage is with Nation Star Mortgage. The facts of my complaint are as follows : under RESPA a mortgage company is required to remit overage paid in escrow upon notification and proper due diligence. I have such an overage and I notified Nation Star Mortgage as soon as I received a letter from the county clerks office. Nation Star instead of following standard procedure botched the process and the county office did not remit my payment as required. Additionally, I have a cease and desist order on, my account. This means all communication must be done via mail ; Nation Star continues to harass me with solicitations and on XXXX Nation Star representatives called me XXXX. I need them to fix their incompetents and correct my escrow as soon as possible. Please have them stop call me. 

Thank youXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX is listed with 120 day late payments on my XXXX and Trans Union reports, which are not accurate. I disputed first with both XXXX and Trans Union, and both have kept the late payments on my credit report. I wrote to XXXX, asking them to update the information with XXXX and Trans Union, but never received a response back. I disputed again with the XXXX bureaus, only to have them add a remark to my account. The remark is not helpful when the information is incorrect.

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 10/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recovery Solutions (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This debt was reported by XXXX in XXXX in which I lived there as a student XX/XX/XXXX. XXXX has never notified me of any debt whatsoever in any way they have never attempted to contact me. Rent Recovery Solutions has never contacted me in any way I had no idea I had any account in collections yet after failing to make any type of contact they reported it to my credit which negatively affected my score by XXXX points and I have no representative of the company to talk to about this and have no information on this debt at all

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: As according to the press releases on XXXX/XXXX/2017 Equifax has been breached and released personal information of millions, of which i am one. Equifax has confirmed my information including up to " names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers '' has been obtained by others. My financial security, credit health, and personal identity are now at risk though no fault of my own. Despite previous similar breaches with Equifax, such as those with XXXX, substantial security measures were not implemented to protect consumers, whose information Equifax acquired without consent of the consumers. Furthermore, Equifax did not immediately inform the public about the security breach and waited, withholding information of the event for months. This denied me and others the chance to protect ourselves and avoid being taken advantage of for their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Same as a year ago. Navient. I have finally got a payment that I can make with them, and it have gone up every 6 month or so. I do n't know if they want me to default on my loan or what. Started out with a payment of {$550.00} a month. Then it went to {$550.00} a month. Now its up to {$570.00}. My payment was suppose to stay at {$550.00} a month, due to me making {$20000.00} a year. I have never missed a payment, they have put me in a terrible strain again with my payments. I also need to know, If I was in the last lawsuit they the consumers won with Navient. If so, all of the funds can go to this loan. Please let me know what my next legal move should be. I get very tire of trying to do the right thing, and get dirt kick in you face at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (PA).
Issue: Account opening, closing, or management

Complaint: I am the beneficiary on my deceased brother 's IRA through CITIBANK Retirement Plan Services. I was advised by CITIBANK that I can not take a direct distribution, but would have to open an IRA account where my deceased brother 's funds would be transferred and then disbursed. 
I reluctantly completed the IRA application, even though the application contained personal information which was none of CITIBANK 's business. 
Additionally, I have been told by CITIBANK that I AM REQUIRED to visit a CITIBANK branch to have XXXX page of the application completed. The required page is basically asking for verification of my identity. This information has been previously submitted and approved by CITIBANK. 
The nearest CITIBANK branch to my location is approx. XXXX miles round trip. 
Any help that you can provide would be greatly appreciated. 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 monetary relief
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Recently, I pulled my credit report and saw there is negative report in my credit report for delinquent payment for one of credit card Barclay Bank Delaware in amount of {$3700.00}. Attached the credit report from XXXX. I never had any card open with Barclay. I have tried to dispute it and XXXX  refused to remove it from account even though contest show my social security and my information does not match. I really need help to get it clear from my credit so I can get pre approval to purchase house.

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 05-07-2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (MI).
Issue: Loan servicing, payments, escrow account

Complaint: Approved for funding to cure back payments on mortgage thru Step Forward Michigan. Nationstar does not reply to settle issue and continues to push forward a foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (KS).
Issue: Other transaction problem

Complaint: On XXXX XXXX 2017, I sent a wire to coinbase for {$12000.00} Usd. It has been 2 months, and I still do not see the money in my coinbase account, nor has it reversed to my bank. I have sent several help inquiries on their website and have never received a reply. Please may I have the money sent back to my bank or put in my coinbase account. It has been floating for 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Prepaid card (General purpose card) with Blackhawk Network Holdings Inc. (VA).
Issue: Managing, opening, or closing account

Complaint: My Tmobile Visa account was closed due to an " internal risk issue '' with {$3000.00} in the account. I 've called multiple time with the first XXXX people telling me the money is simply gone. The third time I called, I was told to send in a picture of my ID next to my face ( a ridiculous request ) as well as receipts from my last transaction ( over a week ago and those receipts are long gone in the trash ) They said there is not other way to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (SC).
Issue: Settlement process and costs

Complaint: I am writing this complaint on behalf of my promissory note along with all the paperwork or documents signed at closing here and a state of South Carolina. Going over the documents of a new loan modification I noticed that something was wrong on the documents so that let me to start doing research on these documents in every kind of sources, links and informations. One of the major things that I found out that state laws of South Carolina, is that when you are doing a closing to buy a home or loan modification there shall be present an notary and attorney that 's going to represent both parties and also XXXX witnesses, I definitely understand that this never happened. I understand that I was not given a full disclosure and that the bank fail to do so. I have the original documents that I signed with the notary. The notary sign my copies same as the ones that are or were going to be presented to the bank. Keep in mind there was never an attorney present nor witnesses, except for the one I had present. The conclusion of the closing when all paperwork and documents were signed I signed my wife sign and my mother in law was my witness and the notary signed as a witness as well and then notarized the documents. From that moment I noticed that something was not right. After the 10th day the bank send copies of the closing documents which I noticed that my original copies did not match the banks copies when it came about the witnesses, notary and the signatures. With all the research that I have been doing with TILA, RESPA, Full Faith and credit, Fair debt collection act, XXXX XXXX, USDA IRS and now CFPD gathering all this information makes me understand that the bank has committed fraud and deceptive practices, along with fabricating fake documents, fake notaries, fake witnesses, robo signature, due to an unlawful, illegal, fraudulent, discrimination, and misleading by the bank I demand under the full faith and credit section XXXX that all conventional or individual loan guarantee are back by 90 %. Therefore to surrender or release all documents related to my property including satisfaction Of the security instrument. ( NOTE ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with WELLS FARGO & COMPANY (VA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I am writing to dispute the following information that appears on my XXXX consumer report : XXXX XXXX XXXX XXXX - # XXXX on credit report Source of dispute information Wells Fargo Type of disputed information : Charged off Mortgage Date reported : XXXX Explanation of item being disputed : o The current status of my account is not correct. XXXX XXXX XXXX has reported my account as being charged off. I was never notified of any action taken by them I had an attorney working with them during this time. I was able to sell the secured property and Wells Fargo provided a payoff statement to the settlement company, accepted the full amount due on the loan from the settlement company and I have a 0 balance. The charged off status should be removed. 
o At no time was I or the attorney representing me or the settlement company notified that this loan had been charged off o I am attaching the credit report information disputed o I am attaching the payoff provided to the settlement company o I am attaching the signed Closing Disclosure showing the sale of the property and the payoff to Wells Fargo closed on XXXX/XXXX/XXXX o I am showing the full lien satisfaction and release recorded on the land records provided by Wells Fargo recorded on XXXX/XXXX/XXXX o I have attempted to work through XXXX to resolve this and cant get anyone to assist me Thank you for your assistance. 

Sincerely, 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 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have called ( XXXX XXXX XXXX ) about these disputes even talked to the companies and they say I must deal with the credit bureaus. I was told they would all be deleted. 
All the credit bureaus have or had fraud alerts yet I am never notified until someone tries to access my credit. Almost daily or weekly I am getting hit with inquiries. I know they are n't mine I have identified what belongs to me and attached to a open account. 

TransUnion Hard Inquiry XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX attached to account-legit XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Fcu XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX attached to account-legit XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX Cap XXXX XXXX XXXX, XXXX attached to account-legit XXXX XXXX XXXX   XXXX, XXXX XXXX  XXXX Apr 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 02/14/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I had a XXXX XXXX XXXX credit card Acct # XXXX which was in the name of a Corporation and used only for such Corporation. I did not have a personal guaranty on this account. XXXX XXXX took me to NYS supreme court and sued me personally. The Court ruled in my favor dismissing the complaint and stating that there was no personal guarantee and that it was a business credit card and I was not liable for such account. I sent the documentation to XXXX XXXX who then deleted the account from my record in 2 days. I sent a copy to Equifax XX/XX/XXXX and they acknowledged the dispute and said it would take up to 30 days to resolve. After not hearing back and finding it impossible to reach them on the phone I sent another Dispute on XX/XX/XXXX to which they responded in 1 day and there results were that they verified the account was mine and I was individually liable for this account. Thus defying a Court ruling. I would like this account removed from my credit report. Thank You XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Debt collection (Other debt) with Receivables Performance Management, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I made a settlement offer with Receivables Performance Management ( RPM ), a collection agency for XXXX XXXX. The settlement was made in XX/XX/XXXX and accepted by RPM, all payments were made in accordance with the settlement agreement. Today, XX/XX/XXXX RPM is stating I still owe the original balance. I have a hard copy of the settlement that was printed from their WEB site that clearly shows the settlement was agreed to and that all payments were made. 

I called RPM and explained this to them and they said they have no such agreement with me. Please help in resolving this matter with RPM. I can provide all the evidence you need to show that they agreed to this settlement and I made all payments according to the agreement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Credit reporting () with QUICKEN LOANS, INC. (NY).
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint: Hard inquries on my credit report from ouicken loans 3 times ) only authorized one and was told it wouldnt be a hard inquiry, XXXX was told it wouldnt be a hard inquiry, XXXX never inquired, XXXX never i quired XXXX never inquired. Please inveatigate asap i would like these hard inquiries removed.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Credit reporting () with Experian Information Solutions Inc. (DC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: There is incorrect information on my credit reports that I wish to dispute. My lender agrees and intends to correct the information, but needs to receive the dispute electronically from the XXXX credit reporting agencies. 
I was able to start disputes online through both XXXX and XXXX. However, when I tried to start an online dispute with Experian, I received the message " We are unable to honor your request for a credit report online. '' Information about how to dispute by mail was provided but no telephone information. Eventually I found a number to call, but there was no way to talk to a live person. I was hung up on several times by the automated phone system as I tried to navigate the system. 
Eventually, I was able to order a copy of my credit report by mail. Now I have to wait up to 10 days to receive a copy by mail, when I already KNOW there is an error and want to start an investigation. I will keep trying to initiate a dispute online until I receive my copy in the mail. This is costing me valuable time, because I need XXXX to send the dispute to my lender, who intends to correct the information. 
If the Experian system is not able to process online requests for credit reports, there should be an option to talk to a live person.

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 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: XXXX credit report prepared for XXXX XXXX XXXX Your report number is XXXX Report date : XXXX XXXX, 2017 this report incorrect never repaired. It does not show the same information as posted for my husband on our joint accounts. Also they failed to remove the credit freeze inhibiting access. They failed to notify the other credit bureaus. The dispute procedure is a farce and I could not add a personal statement. A sad joke.

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