milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/27/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I contacted XXXX XXXX with Equifax XXXX XXXX because I was not being properly helped when I submitted fraud disputes. I have been the victim of identity theft and have been having a problem for many years with people opening accounts in my name and making inquiries into my credit history. I have provided Equifax with a copy of my police report, my identity theft affidavit, and other relevant information to prove I was a victim of fraud. Most recently I forwarded XXXX XXXX Equifax XXXX XXXX a actual fraudulent letter that I had received from a hacker/scammer that was demanding money from me fraudulently and they had included my social security number in the scam letter. I provided this to XXXX XXXX so that he would be assured that I was sincere in my efforts to be assisted because I was continuing to be the victim of fraud. XXXX XXXX took my complaint to him, and forwarded it to the consumer affairs department and did n't even bother to call me. When I called to follow up on the matter I spoke to someone named XXXX who claimed to be a supervisor in the XXXX. She told me that Equifax was not treating my claim as a fraud dispute, but as a regular dispute and that they did n't believe that I was a victim of fraud. What more could I have done but to actually provide a letter form a hacker/scammer. I have also been given free assistance from the Department XXXX XXXX XXXX because my personal information was breeched through their website ... .and I have provided a letter stating as such from the XXXX. I have been mistreated and not helped by Equifax even when I have provided over whelming proof of what I was experiencing.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (FL).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: They claim they are from a clerks office with legal documents, for me, and want to take me to court. i asked to speak to speak with a supervisor. I was transfered to XXXX today. he told me my number was removed in XXXX. i told him I just received a call and he asked if this was me, and i replied yes. He then replied well that 's why we are calling. I inquired as to what this was in regards to, and he said an HSBC account. 

I advised him that even if i owed money on the account that the statue of limitation had expired, since i have not had this account since 2004. He advised me that it does not matter i still owe the money and they will continue to call. i asked for the company name and address so that i can send a cease communication letter. He refused to provide it and told me that i am a deadbeat, and the reason the economy is so bad. I also asked for a bill or verification letter, and was advised they have already sent them, and it is to late to receive anymore. 

They have also started calling and harrassing my wife today. 

Listed in order from the last call to the first is the numbers they have provided to call back. When they call it says no caller id information is available. XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I had an earlier complaint XXXX and at first got helpful calls from the person assigned to my complaint. 

The explanation from Bank of America is rather misleading. The reality is that their website makes it very difficult to manage payments properly. They have it set up that way in order to increase their late fees and interest payments. 

Moreover, their customer service people are horrible to work with. It is impossible to get anything in writing, nor to get a person who has any discretion to make a reasonable decision. 

As part of that agreement I made with Bank of America, they agreed to waive fees until the card was canceled. When I paid off the balance, they canceled the card, but charged another {$60.00} in fees and interest. 

I tried calling the assigned service representative, XXXX XXXX, many times, I got no reply.

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 01/27/2016 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (NM).
Issue: Loan servicing, payments, escrow account

Complaint: The mortgage company sent me a new escrow account disclosure statement indicating I owed a certain escrow amount and I have protested the amount because the homeowner 's insurance amount is larger than the insurance company 's quote to me. I am exempt from paying property taxes in my state because of my XXXX XXXX. Last year I refinanced my mortgage with this company. They received all of the paper work and submitted an escrow amount that was not correct and sent a check to the County where I reside. The County sent the check back to the mortgage company and explained that I was exempt from paying property taxes and their escrow amount was incorrect. My mortgage amount is scheduled to increase to reflect the incorrect insurance amount and property tax amount. I have spoken to at least XXXX representatives for this company and they all tell me something different. I was scheduled to get a call from them yesterday but never received a call from a supervisor. I have never missed a payment or been late. I will pay them the amount that is the proper mortgage payment instead of what they are requesting I pay because their amount is incorrect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: MY MORGAGE WAS SOLD TO ANOTHER MORGAGE COMPANY Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX XXXX XXXX, UT XXXX Account Payment Select Portfolio Servicing , Inc . 
Attn : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX WE WERE SUPPOST TO DO BY WEEK PAYMENTS AS PER AGGREEMENT WITH OUR OLD MORGAGE COMPANY XXXX ... THE NEW MORGAGE COMPANY WILL NOT COMPLY WHITCH IS SELECT PORTFOLIO ... I HAVE PAPER WORK FROM OLD MORGAGE COMPANY .IT KNOCKS DOWN INTEREST BY PAYING BY WEEKLY ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Debt collection (Mortgage debt) with OCWEN LOAN SERVICING LLC (DC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: This complaint is in response to Ocwen Loan Servicing LLC - agent / in parity with document custodian XXXX XXXX trustee - for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Pass Through Certificates XXXX Ocwen 's XXXX number : XXXX - Reference previous Complaint -CFPB- XXXX Ocwen XXXX Dated XXXX The XXXX is not of issue nor discussion, as XXXX was the secured XXXX XXXX to XXXX XXXX and the XXXX XXXX XXXX. The Trust took an insurance write off for the BK- per SEC XXXX XXXX 
Ocwen obtained a charged off account as per their own ledger. Ocwen in cahoots and parity with XXXX intended to steal and deceive by concealment and fraud for unjust enrichment through a foreclosure mill XXXX XXXX XXXX XXXX XXXX and XXXX XXXX OcwenXXXX created a Collateral file ; had to validate the debt and violated FDCP by wrong amounts owed and claimed false Note holder- the document custodian trustee- XXXX XXXX XXXX There is NO valid lien. The ONLY lien on subject property was with the prior owner for XXXX through GMAC. The chain of origination and holder due course UCC XXXX FAIL. IF Ocwen and XXXX in parity are not forging documents- why NOT file a proof of claim in Court to show the valid transfers as how they obtained a blank note. In addition, Ocwen forged my signature THAT is robo signing. Ocwen 's 305 page response on XXXX is false and additional evidence of duplicate Deeds versions of one original. 
Ocwen 's response is FALSE and deceptive- also criminal- the Deed does NOT give permission to break in my condo and stalk me- paragraph 5 page 1 and 1st paragraph page 2. ONLY IF THE PROPERTY WAS ABANDONED can the LENDER enter to make repairs. THAT is why they offer {$3000.00} for keys- to avoid Landlord Tenant Court. OcwenXXXX trustee for XXXX is NOT the LENDER. Ocwen submitted Fake HAMP letters never sent ; XXXX has not responded to the fraudulent Deed Transfer created by Ocwen and XXXX XXXX XXXX XXXX, as XXXX can not transfer something they do not have only RECORD submittals. Ocwen submitted several versions of the Deed some stamped with Lending Connection some not. Ocwen submitted fabricated documents back dated and they do NOT take robo signing seriously- as they would have done a better job than using XXXX XXXX and NO dates!. In their own admission, they submitted 305 pages of fraud to add to the other 150+ page ledger as they created documents. XXXX XXXX XXXX did mot stamp that " Note without Recourse '' or they are selling blank notes under XXXX XXXX protection. XXXX XXXX has not admitted to doing as such but Ocwen certainly put it in their ledger scanning and endorsing from XXXX XXXX to XXXX XXXX in Blank. Where is XXXX XXXX XXXX or document custodian XXXX XXXX? 
Pager 119 Of the Ocwen Ledger when they forged my name bled on page 120 of the XXXX XXXX exhibit.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2016 about Debt collection (I do not know) with FAIR COLLECTIONS & OUTSOURCING, INC. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: For the past 2 weeks I have been receiving harassing phone calls from Fair Collection and Outsourcing ( FCO ) regarding an alleged debt owed to XXXX XXXX XXXX XXXX XXXX XXXX. I have spoken to this agency once and informed them that I have never lived in Maryland and that they have the wrong individual. Today, XXXX XXXX, 2016. I received a collections letter in the mail informing me that I owe {$8000.00} and that I need to pay it. I have reviewed my credit report from all XXXX credit bureaus. This company has inquired about my credit via XXXX without my permission or consent. I suspect this is a scam as the company called my home and asked to speak to me but then they wanted me to give them the last XXXX digits of my social security number and/or my mailing address. I did not provide them with either. In addition, I am sending FCO a certified letter requesting validation of debt and reporting them to the fraud department at XXXX before they try to add false negative debt information to my credit.

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 02/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I currently have Navient as my student loan servicer. I have received numerous harassing phone calls from them stating that I was either late on my payments or the payment amounts were incorrect. Almost every month after I had made my payments early, they would call and say that I was late or I did not pay enough. So after I was manipulated into believing that I had paid the wrong amount, I sent more money and then increase the amount the next month. I was convinced by Navient that the phone calls would stop if I paid, but they did not. They kept calling me each month with the same story. I sent this email to their " Consumer Service '' email address : To XXXXXXXXXXXX XX/XX/2016 at XXXX Dear Navient, The information you have about my account is incorrect. I was told that the amount I 'm supposed to pay is {$110.00}. In the month of XXXX, I made two payments ; one for {$100.00} and one for {$110.00}. These payments were made before my due date ; at least a week or more. 

The emails you send are so conflicting and misleading. They do not contain adequate information such as loan/account numbers, monthly totals, etc. They are very vague and seem to be intentionally misleading. When receiving these emails and collect calls, I become XXXX. I ask myself why is Navient continuing to contact me for payment and I am making payments. Once again when my loan was with XXXX, I had no issues. I was n't harassed for payments because, like I 'm doing now, my payments were always made on time and for the correct amount. 

Just a quick note, all the emails you have sent are being kept. I am printing them out an comparing them to my payment dates from my online banking account. Thank God I make my payments through my bank. Also, I will be notifying them about you all. This is just a precautionary measure in case you guys try to send a payment back or say you did n't receive it. I just want to make sure they are on the look out for any fraudulent practices. I 'm not making accusation about the fraudulent practices ... .it 's all over the Internet and in the news. 

In the meantime, can you please update my account so I will not continue to receive these harassing collect calls for no reason? 

Thanks in advance. 
-- -- -- - Even with this email the phone calls still kept coming. Here is another kicker ; when I was receiving these phone calls, I was in school and Navient knew it. 
They can not continue to get away with this.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with NAVY FEDERAL CREDIT UNION (SC).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On XXXX XXXX, I contacted my bank Navy Federal Credit Union, which I have been a member of since XXXX. Navy Federal Credit Union ( NFCU ) informed me that my account was place on restriction and that I did not have access to pay my bills using " bill pay '', " outside transfers '', or from " other institutions ''. My account is not past due, I have not been late, nor have I ever had any credit problems in the past. I asked the agent why was my account being retricted and she was unable to explain. She put me on hold for 10 minutes and when she returned she told me that I would have to call back later for a specialist to explain why my accout was retricted. I waited 1 hour and called back. The agent again put me on hold and retured to the call unable to reset my access nor explain why my account was retricted. I asked serveral questions regarding the retriction and the agent informed me that there was a scam going on and my account was restricted due to suspicion that my accout may have been compromised. I normally use my outside banks and accounts to pay my bills, restricting my access will delay payment or cause me problems in paying my bills. I am a veteran, that served and retired with 28 years of service. This type of treatment is unexplainable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Mortgage (Conventional home mortgage) with TIAA, FSB (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem

Complaint: XXXX who has no sold their bank has been reporting my payments late to the credit bureau and I am trying to sell my house to down size after a divorce. THe company did not even have an automated system in the beginning ofXX/XX/XXXXall payment went through XXXX XXXX as well they have a XXXX  that you remit payment and as you will see on my bank statement the payment constantly cleared on the XXXX of almost each month but on their activities report posted on the last day of the month. I have all the proof that the company is wrong and they are hindering my process of purchasing a home. They were a small mom and pop bank that held payments nd posted them to get additional feel in the month of XXXX or XXXX they held a check for an entire month due to know account number ad my name and address was on the check. They returned the check a month later ( how did they know my address ) because it was on the check in which they could have applied my payments. Again please consistanly look at how they cleared and posted my check pretty much the same time every month. I have never been 30 days late this process has taken over 40 days and I need them to remove the lates now since I do have proof of payment and when they cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Debt collection (Medical) with Receivables Management Partners, LLC (MI).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I was never contacted about this debt. I 've had a decent credit score for the past couple of years, and all of a sudden this {$15.00} debt pops up out of nowhere? It says that it 's from 2012! That 's 4 years ago, and I 'm JUST NOW hearing about it. It 's gashed my credit score and I want it removed and my credit score reversed back to how it was. I would GLADLY have paid {$15.00} if I knew about it! I was never contacted about any {$15.00} debt, and it 's from 4 years ago! My credit score should not be this low because of some tiny debt that I had no clue about!

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Credit card () with NAVY FEDERAL CREDIT UNION (IL).
Issue: Delinquent account

Complaint: I applied for a NFCU credit card.. I was approved and fell behind on my payments. Well the agreement was XXXX per month, however they take funds out of your account without consent nor notification they do this at least three times a month even with the set rate agreement and the agreed upon date that it is supposed to be taken out.. When you call and complain they bully you into saying they can do that and that's their right! They need to be fined and stopped! IMMEDIATELY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Debt collection (Auto debt) with SANTANDER CONSUMER USA HOLDINGS INC. (AZ).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: XXXX / XXXX /   17  - Called several members of my organization 's management team on their personal cell phones giving them his name, company and asking to speak to me or a member of my legal representation.     This led to multiple calls and emails to my HR department whi ch may result in my termination. He led them to believe that I was in serious legal trouble and needed legal rep resentation.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I had some issues with my credit report and a gang of inquiries appeared on my credit report. I followed due process with both creditor and bureau providing affidavit and police report XXXX XXXX & XXXX QUICKLY complied. Equifax keeps rejecting it in spite of even failures to validate WITH PROVIDED PROOF. I 'm really frustrated with this process and those inquiries are STILL hurting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Customer service / Customer relations

Complaint: On XXXX XXXX, 2015, XXXX payments posted onto my Capital One credit card. I only authorized XXXX of these payments. After speaking with XXXX, a manager, on XXXX XXXX, she stated that they would go ahead and perform an expedited funds transfer back to my payment account for XXXX of the payments. This transfer was to take 2-3 business days. I confirmed that this request was put in when I called back on XXXX XXXX and spoke with XXXX, another account supervisor. She assured me that the funds would be in my payment account no later than XXXX XXXX. It has now been four business days ( XXXX XXXX ) since the request has been submitted. The funds have not been transferred and the payment has yet to be reversed off the credit card account. My financial institution clears all incoming ACHs around XXXX EST. When I called Capital One on the morning of XXXX XXXX they stated that there are no account supervisors to further discuss the delay in these funds being transferred. Once again I confirmed the timeframe of 2-3 business days and she said I was correct. XXXX XXXX is a federal holiday and then the weekend follows, which will further delay these funds being transferred since there are very limited kinds of ACHs that may or may not clear on these days. I was told to call back in a few hours when an account supervisor will be available to assist me since the regular customer service representatives have no further information to pass along. I received the normal apology and empathy from the representative that all customer service reps are trained to display, but received no further information than the payment was still applied to the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/18/2017 about Credit reporting () with Adler Wallach & Associates, Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My credit report has been questioned and ruined because of a XXXX service that I utilized in XX/XX/2015. XXXX charged me around {$2800.00} excluding my XXXX insurance coverage of {$1200.00} annually. XXXX took care of my {$2800.00} payment and I paid XXXX $ XXXX $ XXXX monthly for 12 months. I was only aware of these expenses. My insurance denied last payment to XXXX because XXXX provided me with some XXXX services that I never agreed to have and they never got a signed agreement for me to pay anything extra. I have documents attached to evident my statement. I also want to request investigation. XXXX has ruined my credit score and put me to AWA collections on annual credit report. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There is a item on my credit report that i have been disputing since XX/XX/2017. Creditor is XXXX. I paid this account in full on XX/XX/2017. I have called equifax on several occasions trying to get this information updated. I have also submitted proof of payment to equifax and the creditor still can come back and tell equifax that account verified and the balance is still XXXX which is the amount i paid in full. I am getting nowhere with this issue. I need for equifax to update my credit file to the correct balance which is XXXX.

Company response to consumer: Closed with explanation