milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-12-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (AR).
Issue: Incorrect information on your report

Complaint: On XXXX/XXXX/17, I received an alert stating I was 30 days late on my mortgage payment to Ocwen Mortgage LLC. I instantly paid for the month of XXXX and XXXX. A month before I spoke to Ocwen about setting up a auto draft, since I was going overseas to work. They gave me two options, one to  set it up online or they would send me a form to fill out. I asked for the form since I have had numerous problems logging into there web site threw out the last several years. I thought everything was done. After the alert I contacted Ocwen about the payment not being made. The first and second rep stated I never requested a form, which is a lie. Finally a supervisor said that the form I sent back could have been lost in the mail. I recorded this conversation. So someone was either lying or did n't have the correct information. I have been a customer for 11 years and have never missed a payment. My credit scores average between XXXX. I take pride in having excellent credit. This error on Ocwen part has cost my scores to drop 80 points. I am not the first victim this has happened too. There are numerous complaints from customers about the same practice, all violations of the Fair Credit Reporting Laws. I am filing this complaint for a matter of record. I have already filed complaints with the Arkansas and Florida Attorney Generals office. As well as the Arkansas Securities Division. And if that does n't resolved the matter, I will be happy to sue them in District court in XXXX XXXX, Arkansas. This scam must be stopped.

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 07/15/2017 about Checking or savings account (Other banking product or service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: XXXX for the satisfaction of a mortgage at XXXX and a satisfaction of a Heloc loan and for an unspecified transaction, XXXX checks were shown by XXXX from XXXX XXXX ( Bank of America ) to have satisfied XXXX transactions. The Heloc loan,XXXX, was taken out by XXXX XXXX and XXXX XXXX and could only have been satisfied from an account attached to their names.Bank of America account number XXXX XXXX XXXX was not found to be attached to either of their social security numbers. United States Trust, BOA, refused to speak with me in their NY address to locate the account. All three checks were issued on the account number. I do not know how the checks were funded. No brokerage account has been identified for the funding.Merrill Lynch has not found an account and has referred me back to BOA. I include the XXXX information about the Heloc being satisfied. If these checks are genuine, I will need the full account information about what account and whose account provided the funding. XXXX XXXX did identify a XXXX XXXX XXXX in their profile. For the year indicated, I was the designated trustee of the XXXX XXXX XXXXI provided the Ein number but there was not an account attached to it.

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 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On  XXXX   XXXX , I suffered a total loss  of Vehicle w hile account was delinquent. My insurer,  XXXX   XXXX , paid the the total outstanding balance on said vehicle after declaring it total loss. The insurer sent secured payoff to bank on  XXXX   XXXX ,  XXXX .   XXXX  Item was disputed to  XXXX  on  XXXX ,  XXXX  and many times before that. On  XXXX   XXXX ,  XXXX ,  XXXX   XXXX   XXXX   AGAIN  reported to  XXXX  that debt was still in collection, with {$4500.00} outstanding and {$320.00} past due.   XXXX  A previous c omplaint ( Complaint Number   XXXX  ) was filed against   XXXX    on  XXXX ,  XXXX .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I 've asked for valaditation of debt and I only receive copy of Bill. That 's. Verification not validation.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Making/receiving payments, sending money

Complaint: For 2 months, XXXX and XXXX of 2017 Bank of America account has transferred 2 separate monthly payment to another account with out my authorization. Further, I have letters from Bank of America stating these transfer were made in error. As of XXXX XXXX, 2017 there has been a charge applied to another account, which is being disputed. 
Bank of America has not been able to explain how a account can transfer funds without impute from me.

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 08/15/2016 about Mortgage (Conventional fixed mortgage) with loanDepot.com, LLC (ND).
Issue: Settlement process and costs

Complaint: I closed on my mortgage loan on XXXX/XXXX/2016. My rescission period ended on XXXX/XXXX/2016. My funds were n't disbursed until XXXX/XXXX/2016. 
LoanDepot would not return any of my calls during that period. My escrow account changed and it took them that long to figure it out. 
They made me get updated payoffs before the closing and did n't use the updated payoffs at closing. Now on XXXX/XXXX/2016 I am getting phone calls from my accounts. They are all charging late fees and interest. I am very dissatisfied with the service I received and feel that LoanDepot should cover ALL the late interest and late fees. The loan closed on XXXX/XXXX/2016 and should have disbursed on XXXX/XXXX/2016. All of our accounts should have been paid off by XXXX/XXXX/2016, even with mail time.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Received a letter on XXXX/XXXX/XXXX from XXXX XXXX XXXX XXXX regarding a debt collection. Sent XXXX XXXX XXXX XXXX a letter on XXXX/XXXX/XXXX requesting their Texas Surety Bond information and debt validation pursuant to Texas Finance Code Section 392.202. XXXX XXXX XXXX XXXX responded on XXXX/XXXX/XXXX with account statements from the original creditor but failed to provide their Texas Surety Bond per Section 392.101 of the Texas Finance Code and other documents required by Texas Finance Code Section 392.202. 

Regardless of the validation requirement not being met, XXXX XXXX XXXX has violated Section 392.101 of the Texas Finance Code which prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. 

Texas law considers a debt collector as any person who regularly attempts to collect debts owed to themselves or others. 

Chapter 392, Finance Code, provides for both civil remedies and criminal penalties. Tex. Fin. Code 392.402.404. A consumer may take private legal action against a third-party debt collector or credit bureau for a violation of Chapter 392. In addition, a consumer may file a complaint with the attorney general if the consumer feels that the third-party debt collector or credit bureau has violated Chapter 392 by engaging in a false, misleading, or deceptive act or practice.
Engaging in debt collection without filing a bond with the secretary of state is a violation of Chapter 392 and may also be a criminal offense. Tex. Fin. Code 392.402.

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 05-12-2017 about Debt collection (Other debt) with Experian Information Solutions Inc. (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have a debt charge off reported on my credit report on behalf of  XXXX   XXXX  at  XXXX   XXXX  apartment complex. According to the complaint filed on the report I am delinquent payments totaling more than {$5000.00}. I moved from the above-mentioned apartment complex in  XXXX     2014 a nd was at the end of my lease term at that time, so I am unsure what the debt would be for. I have received no communication, written or otherwise, from either the apartment complex or the agency reporting the debt in that that three years so I given no opportunity to dispute the debt prior to it being reported as a charge off.

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 11-11-2015 about Bank account or service (Savings account) with SCOTTRADE BANK (CA).
Issue: Account opening, closing, or management

Complaint: I am writing out of concern for the DOJ investigations in hackings against Scottrade and others. 

Specifically, I know for a face, that Scottrade was informed of their cyber security vulnerabilities through numerous Whistleblower tips submitted to the SEC, some of which were forwarded to Scottrade for review. 

I know this because I 'm the one who found the flaws, including the heart bleed vulnerability, and reported them to the SEC more than two years ago. 

The failure of the SEC and Scottrade to understand the technical disclosures led to over XXXX XXXX customers being breached and I do not take this lightly. 

Please contact the SEC and request all complaints against Scottrade and you will quickly find that their failed cybersecurity infrastructure and corporate culture was reported by myself and others numerous times, before a hack even occurred.

Company response to consumer: Closed
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: My complaint is with Experian credit bureau. I noticed a inaccurate public record on my credit report. So I sent my first dispute letter to experian asking for validation of this public record. This was on XX/XX/XXXX. Experian response was it was verified and not validated. I sent a second letter XX/XX/XXXX Stating that according to the FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file. Also asking for documents bearing my signature. Experian respond with another verification saying its from a third party, but not validating anything or sending any proof. To make a long story short I send more letters on XX/XX/XXXX,XX/XX/XXXX & XX/XX/XXXX. I also send a letter to the CEO of experian on XX/XX/XXXX.  Experian failed to provide documents bearing my signature, they completely ignored federal law section 623 ( a ) ( 5 ). They have yet to validated this public record of a bankruptcy on my credit report. I also sent them a letter from XXXX stating that they have remove the bankruptcy from there file and they could not validate the said information on my report. This is my complaint against Experian reporting agency.

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 06/29/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (MA).
Issue: Money was not available when promised

Complaint: I had written this for http : //oag.ca.govXXXX but their capcha only works with IE so I 'll paste it here. It 's about coinbase.com I 've had an account there a little over a year, using it as a bitcoin wallet with mostly no problem. In XXXX 2017 I had 2 transactions where they never actually sent the bitcoin even though their web page indicated everything was completed. I chat with this person regularly and she did n't get her bitcoin, but then she 's also a coinbase customer. I filed a case, waited the specified minimum amount of time. Started looking in their forums and other people were complaining too. So I went to the better business bureau and there were 193 complaints against them. Now I 'm looking into joining a class action lawsuit if I can find one. The dollar amount was only {$80.00} but I 'm retired on Social Security, it 's a significant amount of money to me. The transactions were on X/XX/2017 and X/XX/2017 When I tried to send {$31.00} and it did n't work, I sent {$1.00}, that worked, so I sent {$29.00} which also worked. About a week later I tried to send {$50.00} and it did n't. In my attachment I circled in red the ones that did n't work and in green the ones that did. I do n't have any transaction numbers, etc. for them.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with BANK OF AMERICA, NATIONAL ASSOCIATION (NE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I had a Bank of America account in 2009 and some one got a hold of my checks and over drafted my account by over {$1700.00}. Bank of America refused to do anything about it and I refused to pay it so it went into collections. XXXX acquisitions had it first so I hired XXXX to have it removed and XXXX in turn did remove it off of my credit report but turned around and sold it to XXXX XXXX XXXX. So we disputed it again and it came off my report again, however it now got sold to XXXX. We are disputing this for a XXXX and hopefully last time

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: PORTFOLIO RECOVERY calls 2 -3 every other day but never leaves a message. I looked them up on the web site XXXX and the consumers complaints are that they are a debt collection agency. I have no debt that I owe anyone. Their phone numbers changes every time they call so it 's impossible to block their calls. I 'm frustrated with all the scam/fishing calls I continuously receive every day. When is the government going to start making examples of these companies that completely ignore the Do Not Call registry?

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (IL).
Issue: Trouble during payment process

Complaint: A XXXX representative told me that I Could make mortgage payments in multiple payments online and my partial payments would be held until the remainder of the payment was made and would then be processed as a full payment. On XXXX XXXX, XXXX a partial payment of {$500.00} was not held and was applied to the principal instead. The remaining {$780.00} was paid before the due date which would have made the complete payment on time but instead was held until the next partial payment for the next month was made, generating a late fee and a late mark on my credit report. When I called to complain I was told that the {$500.00} principal payment would be reversed and I would be credited any late fees due to the issue. I was advised by another XXXX representative not to make partial payments to avoid this issue and began making full payments at that time. The reversal was not done as promised, no late fees were credited and after many phone calls to XXXX and promises to correct the issue by XXXX, nothing has been done. Incorrect reporting of late payments and the generated late fees have persisted every month since, adversely affecting my credit rating even though my account is current. Every XXXX representative I speak to on the phone has agreed that my account should be current if the reversal was done and late fees credited, yet no one at XXXX has actually done anything to resolve the issue.

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 02/17/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I receive notification from my identity theft protection account that a new account was open under my name. I researched what the account was there was no account number so I contact the company, XXXX XXXX  XXXX, by written form via the United States Postal Service seeking information. Not only did the Collection agency disregard my second letter but blatantly refused to stop all efforts and remove this an accurate information from my credit report. I have now stated to them twice via writing that the information that they have is false or in accurate. I did not know, I did not give permission for somebody to use my own personal information to open an account. I was not aware of this account existed. I follow the process set up by the United States government yet this entity feels they are above the law. 

I hereby come to you today to hold this company accountable and audit their record management keeping and their processes and hold him legally responsible if they have violated additional laws.

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 08/18/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Other fee

Complaint: I have a Cap One credit card. Because I was late with a couple of payments, my interest is now 29 %. I do my best to catch up, however what follows is what happens ; I started out with a {$3000.00} balance. I have not charged on the card in over XXXX years. However, my balance is only down to {$2300.00} because of the add ons. If I pay {$200.00} and its not the total amount due, I am charged a {$45.00} fee, plus over % 50 interest. Therefore I can not catch up. Ive actually paid over {$4000.00} in the last XXXX years but still owe {$2300.00}.!

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (HI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: -Collection agency continued to report my account to the credit bureau as under " collection '' for unpaid debt. Even though the account is under dispute. 

-The alleged debt that is being collected was disputed several times from multiple collection agen

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been a victim of inguiry issue

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 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Someone has gotten a hold of my identity and opened XXXX account and applied for many ; wrote into all credit reporting agencies to dispute account and inquires, this has not been investigated, updated or removed. The XXXX account is XXXX XXXX XXXX XXXX credit cards and all non-account holding inquires. Every account that I applied for have been approved.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Karma, Inc. (LA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Every time I log into Credit Karma its not showing me an updated score.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2015 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (MI).
Issue: Loan servicing, payments, escrow account

Complaint: We refinanced our mortgage with Quicken Loans in XXXX XXXX. We had the money to pay it down under the 80 % required to avoid a PMI payment, but the money was not liquid and would have been difficult to get immediately. The broker informed us that the PMI payment would drop off as soon as our LTV was under 80 % ( or possibly 78 % ). We then proceeded to pay down the mortgage as we said we would, and it was under 80 % right around XXXX of XXXX. 

We notified Quicken Loans that the loan was under 78 % and they told us that they could not drop the PMI without another appraisal ... ... just 3 months after the loan was refinanced. Without this appraisal they now intend to charge us PMI insurance until XXXX, when the PMI would have dropped off naturally. 

This is a 15 year fixed mortgage and the LTV is currently around 75 % based on the original appraisal. Nothing has happened that could possibly decrease the value of the house between the refinance date and when the principal was under 78 % ( or the present ). The real estate in my area has also had no major fluctuation in that time. 

I believe the mortgage broker was deceptive and should have informed us that this could happen. We were very clear about our plans to pay it down and our ability to pay and our plan to pay it off within months. We could have sped up the pre-payments to be under whatever deadline they have assessed here. If we would have been informed then we could have also paid the money up front and avoided this all together. We had ample savings at the time the refinancing was done to pay it down at the time of refinancing, and can prove this. 

I also believe the servicing department is being oppressive by requiring an appraisal just months after the refinancing. I could pay the appraisal fee and let it go, but I 'd rather make a point to file a complaint in hopes that other people do n't get cheated like this.

Company response to consumer: Closed with explanation