milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/18/2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, XXXX, I accepted a Mortgage Loan Modification Agreement from Ocwen Loan Servicing , LLC . Ocwen 's Contract Management Modifications Coordinator, XXXX XXXX, signed-off on the agreement on XXXX XXXX, XXXX. Subsequently, all of my monthly mortgage payments have been paid on-time or ahead of the due date, which is the XXXX of each month, as required. However, on four [ 4 ] separate occasions since the approval of my Mortgage Loan Modification, Ocwen has placed my account on a Trial Modification Plan and/or Forbearance, despite the fact that I have not defaulted on the agreement. In addition, I received a " Notification of Default '', dated XXXX XXXX, XXXX. Note, that each time an incident occurred I contacted Ocwen Loan Servicing LLC., to dispute the recurring problem. As a result, they would refer me to an " Escalation Manager '' and/or their Research Department to have the issue resolved. Subsequently, each " Escalation Manager/Specialist '' [ XXXX ext. XXXX, XXXX ext. XXXX, XXXX ext. XXXX, XXXX ext. XXXX ] would allegedly investigate, then resolve the issue, over a period of one [ 1 ] to two [ 2 ] months, only to have the situation recur. Nonetheless, XXXX continue to receive harassing telephone calls from customer service informing me that I have an arrearage that needs to be paid, mortgage statements that indicate my mortgage is on a " Trial Modification Plan '', and more recently a " Default Notice ''. My mortgage is clearly not in default. Payments are made directly from XXXX XXXX XXXX on the 30th or last business day of each month from my checking account, once my Direct Payday Deposit enters my account. This is extremely frustrating. Please help resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Student loan (Private student loan) with AES/PHEAA (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I filed an application for  Long Term  Payment modification assistance to reduce my payment. I faxed the initial application on    X/XX/17 .       XXXX   .17 - rec eived notification that information needed clarification and other documents needed to be provided within  20  business day from the date of the letter (   XXX   .17   ) . Spoke with  XXXX  on    XXXX  .17    at  XXXX   XXXX  PST. He told me exactly what to provide. I faxed it on   XXXX   .17 an d received confirmation of its receipt at  XXXX  PST. This information was faxed within the 20 BD time frame.     XXXX  .17  R eceived notification that the information was not provided on time and the application was denied. Called at  XXXX    XXXX   PST on    XXXX    .17 s poke with  XXXX  ( employee ID  XXXX  ). He reviewed the application and agreed the information was in fact received in a timely manner. He sent it to his supervisor.     XXXX   .17 I follo wed up on the application. Spoke with  XXXX   XXXX  ( employee ID  XXXX  ). Reviewed the issue with him said he would call me back with in 1-2 days.   Did not call me back.       XXXX    .17 I   called  XXXX  again - he said he would review it again and call me back.     XXXX  .17  Af ter numerous phone calls and days later,  XXXX  and  XXXX  agreed it was an error on their part as to why the application indicated the information was not received on time. They said they would reprocess the application.     XXXX  .17  Follo wed up with  XXXX  on the status. She recommended I complete the application again and submit updated statements for my student loans.     XXXX   .17 Fa xed the application to  XXXX  and received confirmation of its transmittal at  XXXX  PST.      XXXX . 17     XXXX  called and said she received the application and will expedite it.     XXXX   .17 ca lled to follow up on the application. Now  XXXX  says there is other information that needs to be submitted, however, she failed to tell me this upon the initial application and stated my application was complete. Spoke with  XXXX , Supervisor, who said he would look into it and call me within 24 hours.    XXXX .17  XXXX  did not call me back. He had a customer service rep call me back who could not clarify what exactly was needed to process my application. Asked to speak to a supervisor and no supervisor was available.  XXXX  picked up the call and stated that we needed to complete the cosigner page again with the amounts of those loans. However, this was already completed in the f irst 2 applica tions!

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was already to XXXX and account was satisfied by company paid XXXX has bought old credit report from third party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/13/2015 about Debt collection (Credit card) with STATE FARM BANK, FSB (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Due to medical problems I set up a Hardship Program for payment of a credit card with State Farm Bank and I provided full documentation of my medical status and income and financial assets. I agreed to pay a monthly payment at a reduced interest rate but my account was turned over to a collection agency who began calling me to pay a higher amount than what I owed. The collection agency is XXXX, XXXX. XXXX XXXX XXXX Oklahoma, XXXX ( Account # XXXX ) I have been a good customer of State Farm for over 20 years and have never had a problem until now.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MN).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I have been trying to get my annual free credit report from Experian for 2 years. Every time I always got error message : A condition exists that prevents Experian from being able to accept your request at this time. 
Then I ca n't no longer request the annual free credit report from Experian any more for the next year. 

All the other 2 credit bureaus never have this 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 non-monetary relief
Consumer complaint received 04-05-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NV).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: Collectors falsely told people they were being sued article, without verifying debt the companies pressured consumers

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: dates from XX/XX/XXXX TO XX/XX/XXXX AND XXXX CREDIT BUREAU OVER THESE MONTHS I HAVE DISPUTED FOR ACCURACY AND VERIFICATION AND VALIDATION OF PUBLIC RECORDS, NEGATIVE ACCOUNTS AND INQURIES THAT WAS UNAUTHORIZED. NOT ONLY DID I DISPUTE THESE ITEMS BUT I REQUESTED FOR THE METHOD OF INVESTIGATION AND I REQUESTED FOR CERTAIN ACCOUNTS TO BE CHECK FOR ACCURACY AND IF THEY WAS, TO PLEASE UPDATED THEM IN MY CREDIT REPORT AND TO EXPLAIN HOW THEY WERE VERIFIED. OVER 3 SEPERATE DISPUTES I REQUESTED THE SAME REQUEST AND THEY NEVER DID. WHICH IS A VIOLATION OF THE FCRA.. THEREFORE THE ARE OVER THE 30 DAYS DISPUTE ON EVERY DISPUTE I FILE. I ALSO FILE DISPUTE FOR INQURIES AND THEY NEVER DISPUTED THEM. WHICH IS A VIOLATION OF THE FCRA.. THEY ARE ALSO OVER THE 30 DAYS. XXXX HAVES DISPUTES THAT I SENT THEM, THAT THEY NEVER DISPUTED AND THEY ARE NOT FRIVOUS DISPUTES I AM REQUSTING THAT THEY DELETE AL THE NEGATIVE ITEMS THAT DISPUTE FOR NOT VERIFYING THEM WITHIN THE 30 DAYS, OR I WILL FILE COURT INJUNCTIONS AND CIVIL SUITS AND MORE COMPLAINTS. ALSO COMPLAINTS ITH THE ATTORNEY GENERAL. THESE ARE THE ACCOUNTS THAT MUST BE DELTED. THEY ARE ALSO INVOLVE IN FRAUD 1.XXXX XXXX # XXXX 2. XXXX XXXX # XXXX 1. CA BANKRUPTCY XX/XX/XXXX 2. TX BANKRUPTCY # XXXX INQUIRIES ARE THE INQURIES THAT I DISPUTED. I ALSO REQUESTED A FREEZE ON THESE CREDIT REPORTS AND SOMEONE IS STILL GETTING INQUIRIES FROM MY CREDIT REPORT AND THEY JUST DONT CARE. THESE COMPLAINTS THAT I AM FILING IS VERY TIME COSUMING BUT IF THEY CONTINUE TO WASTE MY TIME, THEN THEY WILL PAY WITH LAW SUITS

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Application, originator, mortgage broker

Complaint: We applied for a mortgage with Wells Fargo last XXXX with XXXX XXXX. During the process, they sent out an appraisor, XXXX XXXX, who as per XXXX XXXX at Wells Fargo has been appraising homes in our area for over 20 years and is XXXX of the best in the area. XXXX XXXX assessed our home at XXXX. On the day we were supposed to close on the initial application, XXXX XXXX, our agent at the time, sent me a text message stating that they would not be able to do it until they did another appraisal. Another appraiser came to our home for approximately 10 minutes. During this time, she neglected to go through the entire house - including our XXXX square foot basement which includes a second kitchen, sauna, XXXX bathrooms, bedroom, excercise room, office, living room and leisure room. She was extremely rude and obnoxious to my wife and left after looking at a small portion of the house. She then appraised the house for XXXX, citing things about the house that were factually inaccurate. We recently attempted to refinance again with a different agent, XXXX explained to me that they could use the original appraisal of XXXX and the only thing required was that the appraiser XXXX XXXX XXXX XXXX return to the home ( it was in construction during initial appraisal, XXXX to confirm that the home had not reduced in value. The appraiser did so, and we received a copy of her report stating that the home was in fact worth XXXX and that it had not reduced in value. We submitted all required paperwork and were preparing to close when XXXX XXXX informed me that they would not be able to do the loan in that amount due to a second appraisal, which did not happen as we were never contacted nor visited by an appraiser. I asked why they were using that value, based on the incomplete, therefore inaccurate appraisal, over the more thourough appraisal ( again, completed by XXXX of the most relable, accurate appraisors in the area as per XXXX XXXX XXXX. ) She said she did n't know and recommended I escalate the question, which I did. I received a phone call on XXXX at approximately XXXX from a XXXX XXXX, who can be reached at XXXX XXXX. XXXX XXXX explained to me that they determined the lessor amount was more accurate. I asked him who came to that determination and he explained that it was done by a vendor and that it is therefore out of Wells Fargo 's hands. I asked him for the name and contact information of the vendor who came to that determination and he said he did not have that information. I asked him to get me the information by XXXX on XXXX. I stated that if I was not given that information by that time, I would be contacting my attorney, which I plan to do. Thank you for your 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 explanation
Consumer complaint received 11/26/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX sent this disputed debt to a collection agency who has posted this account to my credit report. This is against the law. I have a right to dispute this bill. They know I do n't owe any money and sent this debt to collection company anyway. Collection information listed below. I will contact a lawyer about this. 
XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX XXXX Address Identification Number : XXXX Status : Collection account. {$630.00} past due as of XXXX 2016. 

Date Opened : XX/XX/XXXX2016 Reported Since : XX/XX/XXXX2016 Date of Status : XX/XX/XXXX2016 Last Reported : XX/XX/XXXX2016 Type : Collection Terms : 1 Months Monthly Payment : {$0.00} Responsibility : Individual Credit Limit/Original Amount : {$620.00} High Balance : NA Recent Balance : {$630.00} Recent Payment : {$0.00} Payment History : Account History : Collection as of XXXX 2016 I HAVE ATTACHED FCC COMPLIANT WHICH WAS DONE MORE THAN 3 MONTHS BEFORE ACCOUNT WAS SENT TO COLLECTION AGNECY.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Debt collection (Medical debt) with Credit Bureau of Bessemer, Inc (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I called this company on XXXX XXXX. The company agent stated she would investigate my concern as I informed her that the debt stated is not my debt and it should be removed. She stated I would have a letter stating the outcome of said investigation in 30 days which I have not gotten any said letter.

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 Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: THIS DEBT WAS DISCHARED THROUGH A COURT RULING AND I WANT IT TO BE REMOVED FROM MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Debt collection (I do not know) with National Credit Adjusters, LLC (NJ).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: XXXX from XXXX called my place of employment and asked for my job title, my supervisors name and asked to talk to my supervisor. He asked the receptionist to give me a place to reach me and asked her to send a text to me saying that I needed to call him right away.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Loan servicing, payments, escrow account

Complaint: I had a home equity line of credit with Bank of America that is still showing as open after XXXX and a half years since my last payment. it then went to charge off status, but still shows as open. It should fall off my credit profile in the next couple of months. I have disputed this info with XXXX and B of A several times and they keep pointing the finger at eachother

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: My credit report shows a negative collection/chargeoff from XXXX.This account was paid and closed on XX/XX/XXXX. The full balance was paid. XXXX still shows a negative account on my report. I disagree with this negative report since the account was responsibly taken care of. 
This account was opened on XX/XX/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 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
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: Hello I have requestion for validation of this debt through XXXX and capital one. By law they should have my original contract on file. But they dont have no documentation. By law if the dont this. They are suppose to delete these accounts off my credit report. These letters that are attached are not my original documentation. Doesnt show apr. I will like these accounts deleted before I report yall and have my lawyer take yall to court. SECTION 609 of the Fair Credit Reporting Act does not care whether the negative account is valid or not. The letters dispute the Credit Reporting Agencies right to REPORT the adverse account - NOT whether or not the adverse account is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (CO).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX was apparently not properly notified with a warranty deed and apparently not paid by XXXX company when I sold my house. I have received debt collection notices from Transworld Systems Inc ( XXXX PA XXXX ) alleging they were collecting debt for XXXX. However, my records clearly show the alleged debt was paid via drop box ( XXXX in XXXX CO ) and that check has been paid. XXXX is at fault.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Bank account or service (Checking account) with U.S. BANCORP (AZ).
Issue: Account opening, closing, or management

Complaint: I was XXXX of US Bank and when I left, in XXXX of last year, I received a letter advising me that if I took no action my account would be changed from a platinum account to XXXX with a lesser fee or no fee at all. Shortly after leaving i relocated to AZ and in the mess I forgot about my account. I received no communication written, or telephone until XXXX of this year, despite changing my address in XXXX when I moved. when I found out that my account had an approx XXXX dollars. I immediately went to the branch and explained the situation. After a few weeks of investigating by the local branch in Arizona we found out I left the bank with a balance of zero and in XXXX fees started to be assessed to my account. I was also informed that I would have to call the branch where the account was opened up as they would have to fix the problem. I was given the phone number and called the branch and spoke to a helpful person promised to call the back office and follow up with me that day. twenty minutes later I received a call back and I was told that the back office would not help me at all and I owed the full amount now over XXXX. I went to the local branch and paid the money but felt that I was treated bad, especially for being a XXXX and the fact that bank would not help me out even though i received no written letter or phone calls to be discracefull and then tell me I have to pay everything.

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 09/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Transunion refuses to remove a debt that is past the statute of limitations the original debt is XX/XX/XXXX this is the final bill last date of activity it was sold to a collection agency that is stating the debt was XX/XX/XXXX this is incorrect this is refreshing I do have an attorney hired that is suing the collection agency. The law says 7 years 180 days since delinquency which is XXXX I want this removed I have not paid the collection agency anything and will not due to the fact that the business responsible for the accident said they would pay my medical but they did not that is besides the point the credit bureau is in the wrong taking the word of the collection agency when I sent them proof which was the final bill with the dates stated above. It plainly states on the cfpd site that I am correct about the statute of limitations.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (VA).
Issue: Struggling to pay mortgage

Complaint: For more than seventeen months, I been trying to obtain a loan mod with my current service Bayview mortgage, I explained and documented my hardship, however, servicer never works with me to find any reasonable solution. Recently my last submission was denied and servicer stated that was no loan mod possible to reduce my current mortgage payment. My intention since almost the beginning was to obtain assistance to bring my mortgage current, and NOT to reduce my mortgage payment ; I insisted on this particular point several times but looks that never it was considered by my servicer. 
My investor is XXXX XXXX, my case was submitted using XXXX XXXX XXXX for accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Mortgage (Conventional fixed mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I was offered a modification and was going through XXXX Georgia at the same time and I needed XXXX Georgia to make decision and the mortgage company put me in foreclosure. They put me in foreclosure and sent me a modification package to complete and return to them for review at the same time. I am frustrated with this type of process ... Is this the protocal?

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Tried to apply XXXX Credit Card and my Credit check was done by Experian Credit agency ( XXXX ). My application was declined by saying " Unable to verify SSN ''. 
this is not fair because my annual Income is above XXXX and I am a prompt payer of my XXXX Credit card. 
I want you to look into this matter and take action.

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