milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-07-2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I have logged previous complaints, reference # XXXX and XXXX. I signed my mortgage note in XX/XX/XXXX with XXXX, OCWEN purchased it in XXXX XXXX. In the note that I signed, there was no escrow, I was responsible for my property taxes and homeowner insurance. I have complied with the terms of my note to date. I pay my mortgage every month, I have paid property taxes and insurance. OCWEN has added charges and fees to my account that have nothing to do with my mortgage payment. In XX/XX/XXXX OCWEN stopped accepting my mortgage payments, every month I sent in what they returned plus the current month. After XXXX months, they accepted my payment in the amount of {$6900.00}. I requested a loan modification. The terms of the modification were XXXX % apr, account by law must be escrowed and at the end of the XXXX ( XXXX ) years a balloon payment of over {$38000.00} was due. When I stated that I would not accept those terms, OCWEN started returning my payments. The principal balance due on this loan is {$93000.00}. OCWEN states that pay off amount is {$100000.00}, the difference being {$10000.00}. Including XX/XX/XXXX 's mortgage payment, {$5400.00} is due leaving a balance of {$5000.00} which are charges and fees that have nothing to do with mortgage payments, OCWEN has initiated foreclosure proceedings. How is it that OCWEN can report to the credit bureau that my mortgage payments are behind when every month that I send in my payment, they return it unsubstantiated. My last payment of {$4600.00} for the months XX/XX/XXXX through XX/XX/XXXX was returned. In addition to returning mortgage payments, there are XXXX years of duplicate taxes with the county, the last installment for XX/XX/XXXX, OCWEN paid twice. I am requesting that the situation be investigated. I have adhered to the contractual commitment that I signed. I have paid my mortgage, property taxes and insurance as required. How is it that OCWEN can report negatively to the credit bureau and initiate foreclosure proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: After several attempts of trying to dispute the following online that became unsuccessful. There are several inaccurate addresses currently reporting on my credit report that needs to be removed. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX av XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Equifax refuses to correct my Name on my credit report. I have sent a copy of my driver license, proof of resident, and my social security card to prove my name and that I am not a man. Equifax claims they never received my documents. Equifax has my name as XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Credit reporting () with CORELOGIC INC (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX is on my credit that that was originally opened like in XX/XX/XXXX maybe, nonetheless, CREDCO bought the acct in XX/XX/XXXX and it should be out of credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (TN).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: lexis sent me a " we removed some things but were not going to tell you what or send you a new report letter because we dont trust you '' letter. 

This is illegal. If changes were or were not made to a consumer credit file, the consumer MUST be sent a corrected copy, not have to begging for it. 

Furthermore I dont think ALL of the requested items were purged.I provided plenty of information from the data furnishers themselves. 

" public records '' was never officially defined for me. WHO? people have names. PIs have licenses. courthouses have county names. sherriffs are not allowed to slander people. companies are not allowed to extort people. 

This needs to be corrected on all legitimate and nonlegitimate CRAs reporting or reselling ANY information whatsoever. 

company REMAINS IN NONCOMPLIANCE with FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (GA).
Issue: Application, originator, mortgage broker

Complaint: I am filing this complaint against my mortgage company Nation Star located in XXXX TX. I have a adjustable rate mortgage. I purchase this home in XXXX 2007 the first mortgage company it nation star after about 6 mos after we sign the paper my daughter XXXX is the primary on the loan but does not live here she only help me out at that time because of her credit status was good and my was between fair and poor but my rate is XXXX at that time and it still is the rate never drop. I have been trying to get this mortgage out of her name and place in my name only so she can purchase her own home one day. I have paid this mortgage by my self since then which is XXXX. I have try to get a modified loan from them but can not I did all of the paperwork and fax everything on time by the time it got to the last part of the process they said I was missing some paperwork mine you through this process I have fax and talk to a lot of different people at nation star but was declined because they said I did not get it them on time I have every piece of paper that was done and fax to them. I was also told by one the representative to go and put the taxes in my name and they would be able to take XXXX name off of the mortgage but they did not. I have brought my credit score up and have try to get it refinance they last company said they could but once they found out it was a conventional mortgage they said it was nothing they could do was told to contact consumer financial protection bureau. To see if you could find out if this loan is a pertgetory loan

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (VA).
Issue: Problems when you are unable to pay

Complaint: Originally I leased my Dodge Charger from Ally financial the terms seemed pretty reasonable. That is when Ally stopped being customer friendly. I had gone through a financial tough spot in 2013, I was in constant contact with Ally about the payments making sure the lines of communication were up and payments were being made in a timely fashion. 
After I has sent in close to {$2000.00} towards my lease payments, Ally had my car repossesed out of my driveway!! I was in complete shock, thinking that Ally was a reputible company. NOT SO! When I finally got a customer service manager on the line, she was dishonest, rude and very disrespectful.

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 09/29/2017 about Payday loan, title loan, or personal loan (Installment loan) with Merchants Acceptance Corp (AZ).
Issue: Problem when making payments

Complaint: In XXXX we had a XXXX XXXX salesman come to our military housing and sell us a vacuum. They 'financed ' our vacuum through Merchants Acceptance for {$37.00} to be debited our account on the XXXX & XXXX every month for 19 months. My husband and I signed the finance paperwork and the receipt for our vacuum. We never received a bill, statement or any mail or email communication from either XXXX or Merchants Acceptance but they debited our account for the agreed payments. We moved, changes accounts, and my husband lost his job so we missed a few payments. Without any communication, I did n't know who to contact. They finally started calling me. I tried to have them add the overdue to the end of the loan, but the person at Merchant Acceptance said he did n't have access to my payment history, my balance, or how long we had left to make payments from our original agreement, just that I owed $ and needed to pay the total for the missed payments. I asked how I could access that information and he said they 'd have to mail me a statement. I got 1 statement that was very unclear on where we stood with the loan. I still owe them $ and would prefer it be added to the end of agreement due ti financial hardship. But that time should have passed already and they 're still debiting my account. Today they sent an employment verification to my employer. They had cut the signature line from my finance agreement ( that was not dated ) and pasted it on the employment verification. I did not authorize it or sign that form. What purpose could they have for photoshopping an employment verification? I dont know what I owe them, my payment history, or my overdue balance. I would like to resolve this but I do n't like that the do n't send statements or that they pasted my signature on an employment verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2016 about Debt collection (Medical) with KeyBridge Medical Revenue Management (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Recently while conducting a monitor of my credit report I discovered that items were furnished that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware there is a debt from but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF XX/XX/1996 XXXX, to protect my privacy and medical records from any third parties. I do not recall giving permission to release my medical information to a third-party. I am aware that HIPPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is two-fold and as follows, Validation of Debt, and HIPAA authorization. 
1. Please provide breakdown of fees including any collection costs and medical charges 2. Provide a copy of my signature with the provider of service to release my medical information to you. 
3. Cease any credit bureau reporting until debt has been validated by me. 
4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any medical provider can be perceived as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. 
XXXX. ACCT XXXX - {$87.00} XXXX. ACCT XXXX - {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Debt collection (Other debt) with ERC (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Compaint : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear Sir/ Madam : I am writing to dispute the follwing imformation in my file an account with : XXXX XXXX XXXX XXXX account dates are : XXXX for {$160.00} ( account # XXXX ). This amount is incorrect. I am requesting that the item be removed. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (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 called to make Equifax on X/XX/2017 to get a collection removed from my credit report because the collection agency that my information was given to, was not licensed in the state of Florida to collect a debt at the time. Instead of deleting the collection from my credit report, they disputed it and then sent me an email stating that the company sent over proper documentation to that proves that the debt was mine. My argument is not that the debt is not mine, I am upset that my info was given to a unlicensed company. I do n't feel comfortable sending my money to a company that does not have a license to do so. I would like for Equifax to remove this collection from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Credit card () with TD BANK US HOLDING COMPANY (AZ).
Issue: Late fee

Complaint: Payment made to Target National Bank was rejected due to " insufficient funds ''. A {$25.00} refused payment fee was assessed. TNB was informed by me via website, telephone, and secure email that the account normally used for payment was closed due to security breach, and a new account was given to draw payment from. TNB claims this never took place, and refuses to reverse the fee. This is apparently a standard practice used by TNB to generate fees. I have since closed the account, paid the balance ( less the penalty fee ).

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Credit reporting () with EQUIFAX, INC. (IA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have repeatedly disputed a chapter XXXX bankruptcy on my credit report with Equifax. Each time they have responded back that they verified the information. I have repeatedly asked for evidence to support their claim and their procedure on how the investigated it. They have failed to provide me with a copy of any viable evidence submitted by Iowa XXXX XXXX in XXXX XXXX, substantiating their claims. After verifying with the Iowa Federal Court in XXXX XXXX that they did not supply any information to Equifax nor has Equifax requested the information, I called Equifax and spoke with their Dispute Center. The representative that I spoke with advised me that they did not verify the information with the Iowa Federal Court in XXXX XXXX. She stated they verified this information through the Iowa Federal Court. I advised her that I contacted the Court House and was told that they stated that they do not supply information to credit reporting companies. She stated it was also verified through XXXX. I followed up with XXXX and disputed the item with them. After their re-investigation, XXXX removed it from my file which they maintain under my social security number. When I requested they re-investigate my dispute, I attached the documentation from XXXX showing that they permanently removed the bankruptcy from my file for their review. I faxed the information and I mailed a copy via certified mail to Equifax. I believe they have been acting in bad faith, and have not complied with the Federal Trade Commission ( see 15 USC 41, et seq. ), and Equifax never marked my credit report as being disputed either.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Collection Partners, Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XXXX XXXX 2017 I paid off an old hospital bill with the agreement of it being reported as paid in full. Credit Collection Partners of XXXX  Illinois promised me it would show positive report beginning of the following month. They lied to me. In fact they only removed some of the accounts and reduced one significantly. There was a total of 4 medical bills and showed 3 moved and one reduced. I called them and emailed them and they said it would be fixed. It 's been almost another month and it still reports the same.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Mortgage (FHA mortgage) with E Mortgage (CA).
Issue: Settlement process and costs

Complaint: We applied for a loan with emortgage. 
They sent GFE1 on XXXX XXXX. 
When I received the faith in lending terms interest rate was above my " locked '' in rate. 
On XXXX XXXX, appraisal came in low and emortgage said they would have to modify costs. 
On XXXX XXXX, they sent GFE2. 
On XXXX XXXX, they sent us an initialed copy of the HUD1, in which the amounts matched the amounts in GFE2. 
When signing final loan documents HUD numbers were significantly raise in the section marked numbers that can not change by over {$7000.00}. 
In addition, we never given the Special Information Booklet, and they mistakenly left my wife off the loan documents. 
Lender was very unprofessional in discussions and directly instructed my agent not to contact them further.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (MA).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: Upon closing my account, I was assured by their customer agent that I had paid my entire bill and I would be refunded {$55.00} for the annual fee they had charged to my account that day. All of my purchases had been completed 6 days prior. I asked my refund in the mail. 2 months later I found out that one of my purchases had posted late and I had an outstanding balance of {$22.00} dollars. They did not notify me of this correctly and misinformed me that this payment had posted since payments made days after it had already posted successfully. They then charged me a  XXXX  dollar fee. When I asked them to remove it I had to speak to several customer agents. They then said they would call me back with an agent from their team to resolve these disputes and never did. Total scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Mortgage (Conventional fixed mortgage) with GUARANTEED RATE INC. (AZ).
Issue: Settlement process and costs

Complaint: I applied for a mortgage refinance with Guaranteed Rate, Inc in order to refinance my primary home ( XXXX XXXX, 2016 ). During this time I worked with a mortgage banker for their company in order to get a good rate for refinance. 

In the course of doing business with them, it came a time where the company refused to give me an updated Loan Estimate unless I completed a {$400.00} appraisal deposit to " move to the next step in the process. '' I paid that fee ( XXXX XXXX, 2016 ) and still was not able to receive the updated Loan Estimate. Due to this I decided to cancel my application with the bank and go with another provider who was more willing to work with me. 

After I cancelled my application with them, I was told that I would receive back my deposit, as the appraisal was never completed. I was told that it typically takes up to a week to receive back the deposit. As of today ( XXXX XXXX, 2016 ) I have yet to receive back the {$400.00} that I paid in deposit to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (OH).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I have very good credit and a {$17000.00} line of credit on a Fidelity XXXX XXXX. Due to prior problems with Fidelity XXXX, I stopped using the card opting for a different credit card. I have a XXXX balance due to a credit three weeks ago. Prior to the credit, I had scheduled one final {$120.00} payment. On XXXX XXXX, Fidelity, knowing I have a XXXX balance, applied the {$120.00} payment creating a XXXX balance. I called and asked Fidelity to refund the {$120.00} immediately. Fidelity told me it takes 17 days to reverse my {$120.00} negative balance which I find fraudulent unless I get interest on my {$120.00}. I desire for Fidelity to immediately reverse the {$120.00} payment of pay me interest for 17 days of unlawfully holding my money.

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 05/29/2015 about Debt collection (Medical) with Financial Credit Network Inc (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: These debts are from XX/XX/XXXX or XX/XX/XXXX. Should n't they have fallen off my credit report by now?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My credit card from XXXX ( Account number XXXX XXXX XXXX XXXX ) was stolen in XXXX 2011 and reported to the police. I have the police report. I have contacted XXXX and submitted several documents, including the police report and statements from me and my wife, and they have refused to delete the negative information from their records and from Experian. XXXX XXXX and XXXX deleted the information, but Experian will not delete it without XXXX " signing off '' on it. Please help! I 've been trying to get this straightened out for over a year now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My debit card was used by someone else online and my bank had to close it and issue another one. Equifax put that on their report as an alert and lowered my score dramatically as I did something wrong. That needs to be corrected. That agency constantly sends letters for more information when I try to correct wrong data but never does anything positive ( I sent them all info they requested three times already via post office and online ). Their credit score is lower than others by almost XXXX points. They also report accounts that were deleted and do not appear on any other credit reports.

Company response to consumer: Closed with explanation