milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-03-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: PART 1024 -- REAL ESTATE SETTLEMENT PROCEDURES ACT ( REGULATION X ) Subpart C -- Mortgage Servicing CFR 1024.38 ( b ) ( i ) ( ii ) ( iii ) ( iv ) ( v ) Robo-signing is illegal and has been outlawed in the State of New York. The Corporate Assignment of Mortgage being used to established ownership was robo-signed. 
XXXX XXXX XXXX, XXXX and XXXX XXXX, XXXX were not in business on XXXX XXXX, 2015, when the assignment was executed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (KY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Unauthorized credit Inquiries listed on XXXX credit report I was a victim of identity theft due to the XXXX data hack. Someone else was using my information. Identity theft.

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 12-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: There are anywhere from 30 to 40 loans listed with late payments on my credit report. My loan has gone from XXXX XXXX to Navient/XXXX XXXX XXXX and now, since I am a XXXX, XXXX will be managing my loan as part of the Public Service Loan Forgiveness Program. I no longer have any understanding or control of my credit or a signed contract to reference all that is happening to my credit as a result of my students loans completely overwhelming my credit profile and the poor servicer management of it ; however, the Fair Credit Reporting Act prorects me and allows me to know exactly why something is being reported on my credit. As a result, I am demanding that XXXX XXXX/Navient/XXXX XXXX XXXX send me VERIFIABLE PROOF as to every single late that is being reported on my credit profile. If this can not be provided, as afforded by the Fair Credit Reporting Act, every single loan on my profile must show as current. As a XXXX year old XXXX approaching an early retirement to care for my sick mother, I need this completed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Mortgage (Conventional home mortgage) with Fay Servicing, LLC (TX).
Issue: Struggling to pay mortgage

Complaint: I was providing information to my loss mitigation agent ( XXXX XXXX ) in an effort to prevent foreclosure on my home. XXXX had received my information and informed me that she would submit the information for approval. While I was waiting on XXXX to advise me Fay continued with foreclosure. When I contacted XXXX she appeared suprised and said that it should have been on hold. XXXX later said that there was nothing she could do about it now.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax has not properly investigated my credit report regarding the status of student loans being reported. I have disputed multiple times that the accounts should not have been included in bankruptcy as they are not dischargeable. My bankruptcy case is closed and yet they have failed to update my XXXX student loans held by XXXX as active current accounts. They have never been late but they refuse to correct the information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have sent disputes to the credit bureaus and they have failed to send me any kind of validation providing me with proof that the accounts actually belong to me. They have violated my right under the fcra to send me proof of all accounts listed on my credit report that were disputed. Instead they add comments to my report that the information meets fcra and when comment are added to my account they each drop m y credit score a s if they are punishing me for asking for them to send me proof of accounts disputing belonging to me.  XXXX  just again dropped  my credit score be cause I made on time payments and my balance decreased. I do n't know how this can be legal y our credit score should go up when balances decrease not when go down.    I recently disputed late payments from my student loans due to the fact the company knew I was in deferment but claim I never sent paper in when I called to verify it was received over a year ago only to still have them reporting negative information of late payments. When payment history was disputed fed l oan only agreed to remove two late payments and when this was updated my credit scores again decreased. Thanks for any help you can give. It is sad that these credit bureaus are getting away with false information and dropping someone 's credit score because they dispute negative information and for paying your bills on time.

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 06/27/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: According to the FCRA, credit bureaus can not report the same account twice. There are XXXX separate accounts reporting twice on my Experian report and I demand they be remove immediately. The accounts that must be removed are XXXX XXXX XXXX with XXXX balance, which this same account is reporting on my file under a different name. The next account reporting twice is XXXX which is reporting the same accounts twice for XXXX accounts, for {$540.00} and {$1300.00} balances. The next issue is missing positive account information for XX/XX/2016 for open XXXX account which should be marked as positive " OK '' status and it is n't. Lastly, the Regions account on my file is completely erroneous and has wrong historical data in which the company has failed to provide physical proof and late records for complete history. I demand all of these accounts to be deleted from my Experian credit file immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Debt collection (Credit card) with GRYPHON CORP. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Sent a letter asking for this information. Did not get anything.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Resurgent Capital Services L.P. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I spoke to a customer service representative on XX/XX/XXXX to try to resolve this issue. I was told they dont know why this account is still reporting as late because it has been paid and to call back in 48 hours while they investigate. In the mean time I can file a dispute. This company has charged off my account in XX/XX/XXXX and when this account was charged off it has been paid with the collection agency however, this company is still reporting my account monthly as 180 days past due. This account has a XXXX  balance as of XX/XX/XXXX. On XX/XX/XXXX I was told by XXXX XXXX to contact XXXX regarding this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Credit card () with U.S. BANCORP (PR).
Issue: Closing/Cancelling account

Complaint: US Bank has closed XXXX accounts and XXXX out the credit limit on XXXX other credit card accounts and has confiscated about {$9000.00} worth of reward points without warning. No letter has been sent advising reasons for the closure. Repeated request for comment by the company has been left unanswered.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Michael G. Niles (KY).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Executive financial company contacted me back in XX/XX/2015 and set up a payment plan. Representative argued with me, then was contacted by a supervisor and set up successful payment arrangements via credit card. Bank issued me a new card last week of XX/XX/2015 and the payment did not go through on XX/XX/2015. In a letter dated XX/XX/2015 I 'm contacted via mail that legal action will be brought against me for a " hot check '' and to contact the " hot checking '' department leader XXXX XXXX and that the amount for my collections is due up front in full or legal remides will be brought against me personally. I did not receive letter until today XX/XX/2015 and they want a response within XXXX days of letter being mailed ( not taking account he XXXX XXXX holiday and no mail ). I was not given sufficient time to change my payment method, nor was I given a way to change method as they take the amount they want to each month. They have no set up on the website to manage these things. I feel that Exectuve Financial is bullying me. I tried to pay the full amount on their broken website and I still owe them {$1.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/23/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Fay Servicing, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Dear Sir or Madame ; You have refused to answer and respond to any of my requests once again. The fact that you are still avoiding to respond accordingly to my complains amazes me to this date. 
# 1. Copy of the phone conversation between myself, XXXX XXXX and XXXX XXXX and XXXX XXXX. 
As I Mentioned in my Pervious request, when I started speaking to XXXX XXXX back in XXXX 2015 to apply for my loss mitigation application, he insisted if i am not ready to accept the 5-6 % interest rate on my balance i should n't even try to send my application in. That 's why I have asked you to provide me with the recording of those conversations, which I believe you are trying to ignore. Although I am sending you a complete application in the mail for my loan modification and ca n't wait to have the result back with good news, I am still requesting copy of the recorded phone conversations. 
# 2 ) you keep repeating that your initial Fair Debt Collection Practices, Act ( FDCPA ) was a print error. Since the date on the validation notice was XXXX, 2015 and I was given only 30 days to act on your offer. On XXXX XXXX, 2015 ( 16 days later ) I filed a complain with CFBP that I was NOT getting any written reply as where and how I was suppose to send you a cashier check in the full settlement amount. It took you 15 days later from my CFBP complain and 30 days from the date of Validation Notice that this letter was an error?! 
Clearly I was not Notified of your print error until I already had the loan ready to be send for settlement before the due date. So please respond accordingly and do not repeat yourself. This is a simple question, who is obligated for my financial loss???? 
Finally you have responded that my QWR letter is Overboard and unduly burdensome. It may very well be Overboard and unduly and burdensome to YOU! But this is my right and it 's MY home that I am trying to protect from loosing. Until i receive a Correspondence from CFPB that my request is Overboard and unduly burdensome and its not my right, You need to provide me every single item asked. Clearly you have had plenty of time to prepare the information but have refused it with every chance you have had. 
Please see the attached documents. 
A. The New QWR requirements under the CFPBB. My request to send all documents requested in QWR RESPA letter ( 2nd letter ) I am looking forward to here from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have tried to file a waste/fraud/abuse complaint with the Department of Education Inspector General and was referred here ( email attached ). 

I have been working with the Ombudsman 's Office since XXXX 2015 ( Case # XXXX ) to try and resolve issues with my account serviced by Navient. This has resulted in Navient making numerous changes to my account that typically cause further problems that need to be addressed. These " mistakes '' and " errors '' on their part always seem to result in paying more money towards my loan in the long term or sending in additional payments just to get Navient to look at my complaint. 

Navient has issued documents regarding these changes and they have sent copies of these documents in a timely manner to the Ombudsman 's Office. They have told my case worker that they are also sending me these documents, but I do n't think they 're actually being sent ; they 've supposedly been sent several times through email and traditional paper mail, but never arrive. I have verified my contact info with Navient, so I know they have my correct email and physical address. 

I am concerned because this latest " mistake '' on their part involved over {$4000.00} of interest being shown on my account that does n't belong there. I believe they are deliberately withholding documentation of changes being made to my account because it shows egregious and possibly fraudulent activity on their part. 

I am tired of being shuffled from agency to agency, with everyone who accepts a complaint either telling me it 's not in their jurisdictional authority or that they simply can not help. I have begun writing the offices of my elected officials to inform them of my being shuffled around by different agencies and of the abusive behavior received on the part of Navient, a federal contractor.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (WA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been representing a homeowner who has been trying to do a short sale for several months. The servicer " Wells Fargo '' has had our completed file including the letter of authorization, offer, listing, financials, and hardship reasons for over a month. The negotiator assigned to the file never processed our file properly. the file stayed on their desk without attention for weeks. I had been requesting that the sale date be postponed and that the negotiator review the file immediately XXXX For over a week, which pushed the upcoming sale date closer and closer ) Finally he did finish his review and admitted that he did not follow up on the documents i had sent him in a timely manner. The agent then requested that the sale date be postponed on XXXX XXXX. The file had been completed since the XXXX of XXXX. My letter of authorization was never uploaded properly and each time i called in to get help, the agents stated they could not find my authorization. This issue also was escalated along with the sale date request to be postponed but NEVER resolved at any time! The servicer continues to mis-manage this file and will not help this homeowner have her offer reviewed for a short sale. This is unacceptable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian fails to remove the XXXX account. Experian reports incorrectly the current Date of Status. Experian reports incorrectly that this account is past due. Experian reports incorrectly that this account has a credit line of {$40000.00} and yet my debt is above the credit line which causes me to go 990 % above authorized usage. Experian continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

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 05-04-2017 about Debt collection (Medical debt) with Grant & Weber (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I sent Grant & Weber a letter for a debt validation. Grant & Weber did respond via mail, but my concern is that Grant & Weber has completed a major HIPPA violation along with the original creditor  XXXX   XXXX   XXXX . Grant & Weber is an law office or so they say and I am sure they know of the HIPPA laws or so they should.     Grant & Weber has yet to provide me the original contract that I SIGNED WITH THEM.   Grant & Weber has clearly and willfully broken HIPPA laws.   My medical information is personal and should remain confidential between me and a medical provider.   Grant & Weber is in a clear violation and have no permissible purpose divulging protected health info to anyone on an account.     I intend to file a compliant with DHHS OCR against Grant & Weber as well as  XXXX   XXXX   XXXX   XXXX  for this violation because my information is protected by the HIPPA laws and when a hospital sells a debt, they are only suppose to sell the debt, and NOT my personal medical information, no details!

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Debt collection (Medical debt) with First Financial Resources, Inc. (MA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I was in an auto accident on XXXX/XXXX/XXXX - taken by ambulance to XXXX ER. <P/>I was not at fault. XXXX XXXX pending. <P/>XXXX XXXX service took me to the hospital at the time of the accident. At the hospital, insurance information was provided to hospital as well as the ambulance service. <P/>I have an Attorney handling my claim. Attorney XXXX XXXX - XXXX His office provided the auto insurance information and also stated that the case is still active and pending demand. <P/>National Ambulance service XXXX - prematurely sold my account to XXXX XXXX XXXX - XXXX without submitting to health insurance or auto claim. XXXX XXXX XXXX put this auto claim invoice into collection, ruining my credit score. I am in the process of buying a home and this issue is ruining my chances of purchasing my first home.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (FL).
Issue: Managing the loan or lease

Complaint: My wife and I have had this loan for a number of years. It was issued to us in conjunction with the refinancing of our home. We recognize that the high interest rate makes it difficult to pay down the princple. We have payed consistently on time with no problem. When we have asked to be considered for a lower rate so we can add extra to the payment we are put off with " its not the kind of loan that can be lowered '' or they can perhaps consider it at a later date. I believe that it is because we have a good payment history and Wells Fargo sees us as a consistent payer and it is to their benefit to keep us in the higher interest rate. We are not asking for any reduction in the debt principle we just want a reduction of the interest rate so we can pay down our debt.

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 08-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Over 10 years ago, I inquired about the loan forgiveness program for XXXX and or those working in XXXX XXXX, and I was told that I had to make " consecutive payments '' for 10-years, and to call back after all payments were completed - this information was given to me by customer services ( I am not sure which lender I had at the time ).
Well, over 10-years have gone by, and I called back to inquire about the program, and I was told I did not qualify because I had never completed the " proper paperwork '' to qualify. I stated that I was not told that at the time, and that all I should be concerned is " making consecutive payments for 10-years ''. I was told by Navients customer services representative, there was nothing they could do. All they can do is start me on the program and start the program from the beginning - and not taking into consideration my previous payments. I was shocked and sadden to learn I did not qualify for the forgiveness program due to being misinformed - is there anything that can be done? I have thought about getting an attorney, but same that seems useless. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX has been sending me numerous of email for a account that I had with my ex wife.. she had me apply for a loan and promise to pay it after the divorce this debt belongs to my ex wife and should not be on my credit report.. I tried explaining but they keep selling the balance to a debt collection

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: On XXXX/XXXX/2017, I signed a dispute letters and mailed them to all XXXX credit bureaus.
In the letters, I asked for my name to be correctly reported. I enclosed both my ID and Social security card. I also disputed my personal information online. I received results from Transunion on XXXX/XXXX/17 stating my name was updated. However it was still Incorrect.
My Name is : XXXX XXXX XXXX They have me listed as XXXX XXXX. That is not my name.

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