milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/21/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Thank you for allowing me to tell you my problem. I had my mortgage with Ocwen Loan Servicing LLC . I was given a non hamp modification. The payment was {$2000.00} and the first payment was due on XXXX XXXX, XXXX. I made my payments. I met with my Homeowner Counselor, XXXX XXXX of XXXX formerly know as XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX and advised her that my payment to Ocwen had gone back to what I paid before the modification, which was {$2500.00}. She called Ocwen and was advised that the modification was still pending because they were waiting to title clearance. I sent the payment and on XXXX XXXX, XXXX, I called my counselor and she called Ocwen. I now owed {$5800.00} so they said and they would send me out another modification package. The advised me that the modification was still pending a title clearance. I sent in another package in XXXX, XXXX. My counselor called Ocwen on XXXX XXXX, XXXX and spoke to XXXX # XXXX and he advised that my file was under review ; however, he now showed that I was approved for another trial starting XXXX XXXX and ending XXXX XXXX, XXXX. The payment would now be {$2000.00}. Please know that I continued to pay the old payment of {$2000.00} until XXXX XXXX and then made the {$2000.00} payment. I made several payments and then it changed back to {$2000.00}. I had not advised my counselor and continued with the {$2000.00}. In XXXX, XXXX, I contacted my counselor and advised her that Ocwen said that I am now 1 month behind. On my mortgage statement for XXXX XXXX, XXXX, it was recorded that I send {$1900.00}, which I sent. I had my counselor call Ocwen and she spoke to my specialist, XXXX. XXXX advised her that my loan was permanently modified on XXXX XXXX, XXXX. When she asked XXXX about me being one month behind, XXXX told her that there was an error on Ocwen 's part and that the payment will be updated to reflect that I was up to date. Ocwen has given me and my counselor so many mixed messages. 
My account was transferred to XXXX. In XXXX, my counselor spoke to XXXX XXXX and was advised that my payment was now {$2000.00}. It had gone up by approximately {$10.00} citing escrow change. I continued to make my payments and in XXXX, the recording stated that I owed since XXXX. These folks were taking the money out of my account automatically. Again I was advised that I was one month behind and whatever payments that were deducted, were applied for the previous month. My counselor asked to get a payment history from Ocwen and when they did, it showed that I was one month behind. Ocwen never cleared their records before the transfer. I am writing you because I am not behind and Ocwen should of had this corrected. I also wrote to XXXX ' Correspondence Department because they advised me that they will do an in depth search. Originally, when my loan was transferred, they never received all the documents from Ocwen. Please assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Debt collection (Other debt) with Genesis Credit Management, LLC (WA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: My roomates and I were told we owed a non-legitimate charge but to have it not affect our credits we got together and paid it off. The debt collector wo n't acknowledge that and continues threatening our credit saying we still owe the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: A representative ( XXXX XXXX ) of my mortgage Company ( Wells Fargo ) took upon herself to deposit money into my mortgage account on XXXX/XXXX/XXXX without discussing anything with me ) as part of a presumptive close to an ongoing situation regarding the reporting of my mortgage to credit bureaus. She actually stated, " I 'm making a $??? adjustment to your principal balance to make this go away. '' When I informed her that there was still an outstanding offer on the table from the representative that reports to her, she stated that she would look into the existing offer and get back to me the following week. On XXXX/XXXX/XXXX without any notification from anyone at Wells Fargo, $??? was removed ( debited ) from my mortgage account. There was never a discussion of the credit nor debit of my mortgage account in the amount of $??? before the transactions were done. The $???? adjustment was a separate discussion from the initial offer as an attempt to resolve this issue. Wells Fargo should have never withdrawn monies from my account with discussing with me in advance. Wells Fargo presumed that depositing monies into my mortgage account thereby reducing my principal mortgage would " hush me up '' and make me " go away ''. It is very disappointing to see big banks push their customers around when the customers actually discover the bank 's mistakes on more than XXXX occasion.

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 11/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Management Partners, LLC (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: paid this last XXXX and i have a paper stating they were removing from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Mortgage (Conventional home mortgage) with REGIONS FINANCIAL CORPORATION (MD).
Issue: Trouble during payment process

Complaint: I received notice from Regions Bank in XXXX, NC that they were taking over servicing of my mortgage. They sent me documents to sign and then used those documents to set up a refinance that I was not aware of and did not authorize or want. This added 1 year to my mortgage. It also would have resulted in cash back to the borrower ( me ) of {$8300.00}. I never received this payout.

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 02/27/2017 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a number of accounts that I have asked to be verified as well as the method of verification under FCRA Section 611 and none of the accounts have been verified. I have also contacted the creditors to send me a CONTRACT AGREEMENT WITH MY SIGNATURE ON IT STATING I AGREED TO PAY FOR ANY DEBT THAT I INCURRED AND HAVE NOT RECEIVED NOTHING. E-Oscar is not a form of a verification method. No third party information is correct especially with NO SIGNED CONTRACT. Also there is a bankruptcy that has not been verified this I know for a fact also because the court house do not verify on the phone nor do the courts report bankruptcies to third party companies. These accounts need to be removed immediately due to none verification/validation. 

ACCOUNTS : XXXX ; XXXX credit card ; XXXX ; XXXX ; XXXX ; XXXX. XXXX bank accounts : XXXX, XXXX, XXXX, XXXX, XXXX. XXXX ( two cards ), XXXX, XXXX, and XXXX. 
All these accounts need to be removed. The bankruptcy needs to be removed also,

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 06/21/2016 about Mortgage (FHA mortgage) with PNC Bank N.A. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: This is in reference to complaint number XXXX company never responded by XXXX/XXXX/16. Long story short I was denied for a loan modification and I accepted this fact. I was informed by PNC that I could submit for a short sale. I am currently in active review for a short sale however, the short sale specialist is stating that the sale date will not be postponed even though I am in active review for short sale. I do not understand how this company is giving me any options to foreclosure, I asked the specialist just yesterday what my options to foreclosure are and she said " nothing ''. Please do not allow this company to continue to treat american citizens like they are trash and have no value. I am trying to do the right thing, submit for mod, then that was denied, so now I am trying to do a short sale so I do not have a foreclosure on my record. They are not willing to help. In addition, they NEVER responded to the previous CFPB complaint, this shows you how ethical they are.

Company response to consumer: Closed
Consumer complaint received 04-03-2017 about Consumer Loan (Vehicle loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Problems when you are unable to pay

Complaint: I have been trying to get statements for my XXXX motorcycle loans. In XX/XX/XXXX, USAA said I will no longer be a member with USAA. Since then I have n't gotten any statements. When I call I am asked to answer security questions. After they verify my information then I am put on hold, sometimes this hold is forty eight minutes to an hour. When the representative comes back, their reply is to hold for a manager. Again the wait varies thirty to forty-five minutes. When manager answers, they go through the verification again. Only for them to tell me they can not access my loans. Then they will give me other phone numbers to call and they say the XXXX office is the only office that can help me. XXXX motorcycle loan was open in XX/XX/XXXX and the other XXXX opened in XX/XX/XXXX. Since XX/XX/XXXX I have not had access to my accounts and USAA has not provided statements to me. I have been mailing payments with no confirmation of payment received. I am currently in the process of selling the XXXX motorcycles and I need the payoff amounts, but again USAA has refused to give me access to my loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Report shows XXXX hard inquiries where only two are valid. ( does not show on XXXX ) XXXX XXXX twice in a week due to their own error losing my account information. Should be ONE valid inquiry only. <P/>XXXX XXXX shows two inquiries on same day for same service. A duplication that should appear as only ONE valid inquiry. <P/>XXXX appears even though I never applied to XXXX for any services. Invalid inquiry either mistake or fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/23/2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Fraudulent accounts along with credit cards and loans using my credit report and social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Student loan (Federal student loan servicing) with Equitable Acceptance Corporation (UT).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Equitable acceptance told me that they were part of  XXXX  student loan forgiveness and that my loan was going to be forgiven. They charged me {$40.00} a month to keep an eye on my account they took this out automatically every month when I checked my account a full loan was there and nothing I was paying was going towards paying it off. I was lied to entirely. I cancelled the automatic payments and received harassing phone calls multiple times a day for weeks. Whenever I tried to call and cancel my services with them they never answered or returned my messages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX PORTFOLIO RECOVERY ASSOC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim ( Collection account of {$940.00} was charged off ). This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
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: THIS IS I REGARDS TO PREVIOUS COMPLAINT # XXXX CFPB CLOSED THE COMPLAINT BUT WHY? IT IS NOT COMPLETE. STILL HAVE YET TO HEAR FROM TRANSUNION ABOUT THOSE 3 STUDENT LOAN ACCOUNTS. XXXX AND XXXX REMOVED ALL 3 ACCOUNTS YET THEIR STATUS ON HERE IS STILL SAYING " OPEN '' AND THEY BOTH SENT ME AN UPDATED COPY OF MY REPORT SHOWING THEY WERE ALL REMOVED BUT TRANSUNION HAVE YET TO SEND ME ANYTHING. THEY NEED TO GET THIS DONE I HAVE DISPUTED THIS 3 TIMES SINCE XX/XX/XXXX. XX/XX/XXXX WAS THE 2ND DISPUTE. NOW TRANSUNION IS SAYING XXXX XXXX HAS UNTIL XX/XX/XXXX LIKE CMON THIS HAS TAKEN WELL OVER 60 DAYS. THE ALLOTTED TIME. THIS COMPLAINT SHOULD STILL BE OPEN OR THE ACCOUNTS NEED REMOVED. I SENT THIS COMPLAINT IN XX/XX/XXXX THEY TRIED TO SAY THEY DIDNT UNDERSTAND IT. SO I DID IT AGAIN XX/XX/XXXX ON CFPB RECORD XXXX. YET YOU HAVE IT CLOSED BUT WHY??????

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
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: Filed a complaint with the BBB against XXXX for reporting a chapter XXXX bankruptcy on credit report without supplying proof, I 've sent a letter from the courts stating they do not verify bankruptcies, they keep stating they verified with XXXX XXXX who keeps stating the same. After filing complaint with the BBB  XXXX claims that they are not reporting a chapter XXXX bankruptcy on my credit report. Its been over a month and it is still showing on my report.

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 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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 requesting verification of the following accounts that XXXX continues to report on my credit file XXXX XXXX XXXX XXXX XXXX # XXXX & XXXX XXXX # XXXX. XXXX listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, Georgia XXXX as the source of their verification on XX/XX/XXXX. On Thursday XX/XX/XXXX, I directly called the XXXX XXXX telephone number that is listed on my report XXXX and spoke with agent, she informed the security freeze was placed on my consumer file # XXXX as XX/XX/XXXX, I have attached a copy of my security freeze confirmation from XXXX confirming the freeze date. After reaching back out to XXXX with same old script, " your account has been verified via XXXX ''. No record of any inquiry from XXXX or mode of verification from XXXX XXXX showing on my XXXX XXXX credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: According to the Equifax breach and my subsequent verification through their site XXXX XXXX XXXXXXXX on XXXX/XXXX/XXXX, my information was part of the data stolen. I signed up to enroll for their free TrustedID service for 1 year on the same date with that site but have not yet officially activated enrollment. 

I filed for a credit freeze on XXXX/XXXX/XXXX with all three credit reporting companies. I filed for fraud alerts on my account for 90 days with XXXX on XXXX/XXXX/XXXX ( which should propagate to the other companies XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Vehicle loan or lease (Loan) with TOYOTA MOTOR CREDIT CORPORATION (NY).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: I got my XXXX car loan from XXXX XXXX and had a credit score of XXXX at the time. I was told by the manager that my credit score is extremely low and that only the financial institution of Toyota would give me a car loan. He told me that he made efforts for a low interest rate of 19.34 % which I still have up to know. I told him that was very high but he strike back saying I am only making a {$4000.00} deposit on a {$33000.00} car and that I would be able to lower my interest rate after one year. I later found out that ( lowering interest rate ) was a lie because when I called Toyota they directed me to other unknown loaners who ended up messing my credit score more  without even lowering my interest rate XXXX cent. 
A friend to mine who lives in California told me Toyota and other financial institutions and car dealers were found guilty of discriminatory car loans to XXXX XXXX and that I should get in touch with the Consumer Bureau. I am XXXX XXXX and I am not making an accusation about Toyota of racial discrimination, but I would like to find out when I was given my car on loan on XXXX XXXX for a XXXX Toyota Highlander, was a 19.35 % loan acceptable or discriminatory. I have so far ask a lot of drivers in the same situation but I find it curious that some people with worst credit than mine had better interest than me from different Toyota dealers.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is my fourth request submitting this exact same information. After about 71 months of dealing with ID theft, I have provided and it was requested from all 3 CRAs, but only 1 still refuses to remove 3 accounts. Under 15 USC 1601cb block, Experian ( Especially in light of XXXX V. Experian ) KNOWS it must block fraudulent information. I have sent them via XXXX 3 different BONA FIDE verifications of FRAUD. Which they will not remove, the XXXX account remains, they reinserted the XXXX accounts that had been deleted, and my personal information has 2 Last NAMES. I want this fixed, or like XXXX  they will force my hand. I HAVE HAD ENOUGH, of the fraud on the Experian file and I enclosed all the required documents they requested each and every time, which Experian indicated were needed as described in their original correspondence with me when I first informed them, and thus they also placed a 7 YEAR FRAUD ALERT on the file. I additionally have contacted the creditor, the FTC, the CFPB, the Texas AG, and NY AG, I received an acknowledgment in the mail but they left the fraud accounts on the reports, only EXPERIAN, Of course which is exactly opposite to that which I had legally provided proof. I 'm attaching the documents which were provided and request for the fourth time that they remove the accounts. Do I need to ask a federal judge to make them listen?

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 06/17/2015 about Debt collection (I do not know) with NRA Group, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: National Recovery Agency reported a collection account on XXXX which they said occurred 5 years agofrom XXXX XXXX XXXX, a XXXX company. I sent XXXX XXXX XXXX emails regarding this and had no response. I called them and was told that they have no record of this transaction. I have never done business with XXXX XXXX XXXX. 
I spoke with XXXX XXXX at National Recovery and had no resolution even after I emailed them a request.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation