milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/18/2018 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Struggling to pay mortgage

Complaint: After contacting the Securities and Exchange Commision ( SEC ) I was told that XXXX XXXX  XXXX XXXX XXXX, Asset-Backed Pass Through Certificates, XXXX XXXX was delisted and no longer a security. XXXX XXXX XXXX XXXX XXXX, as Trustee for the Registered Holders of XXXX XXXX XXXX XXXX XXXX, Asset-Backed Pass Through Certificates, XXXX XXXX brought a Foreclosure action v. XXXX XXXX XXXX on XX/XX/XXXX. It is still in Court. XXXX XXXX XXXX XXXX XXXX, Holders of XXXX XXXX XXXX XXXX XXXX, Asset-Backed Pass Through Certificates, XXXX XXXX was just granted the right to enforce this mortgage of {$180000.00} on XX/XX/XXXX even though the Security was delisted by the SEC. XXXX XXXX XXXX complaint is that this is an invalid Asset-Backed Security that XXXX XXXX XXXX XXXX has no right to enforce. The Court of Common Pleas in XXXX issued a ruling in favor of myself ( XXXX XXXX XXXX ) in XX/XX/XXXX, and rescinded the refinance.XXXX  committed a Truth in Lending violation at closing in XXXX XXXX properly and timely informed XXXX to rescind the refinance. XXXX XXXX XXXX was given the wrong Right to Cancel Form for this refinance of a previous XXXX XXXX. I would like XXXX XXXX XXXX XXXX XXXX, as Trustee for the Registered Holders of XXXX XXXX XXXX XXXX XXXX, Asset-Backed Pass Through Certificates, XXXX XXXX to be restricted from enforcing this Note on his residence in Pennsylvania. XXXX XXXX XXXX XXXX was fined {$7.00} XXXX dollars in XX/XX/XXXX. {$4.00} XXXX was supposed to be allocated to reducing Principal and their loan Servicer XXXX XXXX  was fined {$2.00} XXXX dollars recently. Neither entity has offered to help homeowners like me reduce Principal on this invalid Security. Your help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Debt collection (Auto debt) with CONSUMER PORTFOLIO SERVICES, INC. (TX).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: I have sent a cease and desist previously and spoke to someone there about calling friends and relatives pretending to be law enforcement and telling them I was going to jail. This was six months plus ago, before loosing everything in hurricane Harvey. The last week 3 of my relatives and a family friend, received calls from this company saying that they were the district attorney looking for me because they were going to arrest me. One call even threatened that they would be in trouble if why did not give up my whereabouts. I have never not had a cease and desist, and I have asked them to not call and scare my mom and relatives any more. My mom has had a XXXX XXXX and has a XXXX. They are calling her and threatening her. They called my cousin on Monday and disclosed all my personal information and then told her, I was going to jail. This is a terrible form of harassment. Please help. They call at least 9 times a day. To me and my friends and family.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
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 've disputed a XXXX debt with XXXX, XXXX, and Transunion more than once this year. I made them aware of the XXXX 's agreement to cease collection. This debt apears on my XXXX credit report through two creditors, collecting the same amount. I would like this debt removed from all three credit reports.

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 01/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (UT).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been unable to work ( XXXX ) for over 5 years. Over a year ago, Navient began to refuse to work with me on any options for loan repayment/forgiveness. I was forced to go into an income-based repayment plan based on my new husband 's income ( poverty-level ). During the time I was in contact with them ( repeatedly ) to avoid default. During that time, they placed a {$150.00} late fee on me. I have been unable to pay that fee. Due to the way this fee was applied, my loan balance is now over {$11000.00} more than the original balance after a year of repayment. Essentially, they have given me an illegal {$11000.00} late payment fee. I have now absolutely no way to repay my loan over my lifetime.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Debit owed to IRS was paid in full with 2016 tax return refund. Refund was taken directly by IRS. They did not report it paid.

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 06-03-2016 about Mortgage (VA mortgage) with QUICKEN LOANS, INC. (NJ).
Issue: Settlement process and costs

Complaint: On XXXX XXXX, 2016 I signed the contract to buy a property from XXXX. I justifiably relied on QUICKEN LOANS representations that it would supply the XXXX realtor with the appropriate VA Amendatory Clause and escape clause. However, QUICKEN LOANS supplied the realtor of XXXX with a VA clause that is categorically false and without an escape clause. The QUICKEN LOANS clause includes language that is materially different than the Department of Veterans Affairs ( " VA '' ) requires, to wit in relevant part : "... UNLESS THE PURCHASER HAS BEEN GIVEN IN ACCORDANCE WITH HUD/FHA OR VA REQUIREMENTS A WRITTEN STATEMENT ISSUED BY THE FEDERAL HOUSING COMMISSIONER, DEPARTMENT OF VETERANS AFFAIRS OR A DIRECT ENDORSEMENT LENDER, SETTING FORTH THE APPRAISED VALUE OF THE PROPERTY OF NOT LESS THAN [ the agreed upon purchase price ] ''. 
This language directly contradicts the language required by the VA in relevant part to wit : ".... if the contract purchase price or cost exceeds the reasonable value of the property established by the Department of Veterans Affairs. "

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Trouble during payment process

Complaint: Our insurance company fax proof of insurance to Ocwen 7 times in the last 6 weeks they just placed Force insurance and took {$1400.00} out of our escrow account I do n't know what else to do to prove to these people we have insurance

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX XXXX ( 3 in total ) show late payments that were not late. I was told they could not fix them and I needed to file a complaint. The CU stated that when the complaint came in they would ignore it and the bureaus would remove the late payments.

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 08-12-2017 about Student loan (Private student loan) with WELLS FARGO & COMPANY (TX).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I have had a private student loan with wells Fargo since 2009 i have made over 48 payments and have never been late only when they did n't allow me on forbearance i have tried to refinance my loan to get the current competitive rate since it is 8.9 %. They simply use the credit score which in my opinion is only one factor. they should consider that i have been able to afford to make my payments on time even though they are charging me super high interest. it does n't make sense that they can keep taking advantage of me because i dont have perfect credit. i would think that the payments i have made without defaulting should count as merit.

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 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
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: XXXX   XXXX  has been reporting an account on my credit for way over  XXXX  years. I would see the account appear on my credit report and dispute it. The account would be removed for a few years ; then it would reappear. The account would appear under many different collection agencies names and account numbers. I have disputed this error with  XXXX   XXXX  and they could not verify the account and removed it. I then disputed the account with Equifax several times  XXXX / XXXX / XXXX ,  XXXX  with th e most recent time being submitted on  XXXX / XXXX / XXXX . Each time Equifax is stating that they have verified the information. I went t o Civil cou rt on  XXXX / XXXX / XXXX  and th e Judge ruled  in my favor that I do not owe this debt. Equifax is still reporting this debt on my report which is financially harming me. I have called the collection agency as well and they could not find the account ; but it 's still reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: For two years creditors nor myself have been able to access my credit report which has cause multiple issues with obtaining credit, these were not because of what is in the report but a lack of access. I have tried numerous times to get this resolved with Equifax to no avail. As a recently XXXX person this is affecting my life in negative manner and I need help as Equifax just does n't seem to care. also I have no issues with XXXX or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company has illegally collected my personal information, through a hospital I never went to, and will not verify debt with a signed contract. There are two collections, one for {$1000.00}, and one for {$1600.00} for the same date of XXXX XXXX XXXX. I have contacted Central Financial Control at XXXX XXXX XXXX, as well as several phone calls to XXXX to get this collection removed from my credit reports. I 've disputed and received no response, nor a signed contract between myself, Central Financial Control, or any hospital. Yet somehow, on XXXX XXXX XXXX, they were able to report that I still owe this debt that is n't mine. Even if there was a contract with myself and the hospital, both companies violate HIPAA by receiving and distributing my personal information, including SSN, birthdate, and other identifying information. I got an account number for one, but I never got an account number for the other. When I called, I spoke with XXXX, and she gave me the most absurd runaround and bounced me between agents until one hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The accounts that I have marked are inaccurate and have obviously been altered. I do not identify origination dates on those accounts, nor authorized any of the accounts listed below. My credit was injured vastly without my consent, no authorization to obtain money, goods, credit, loans, or services. Neither did I receive any benefit from this horrific situation. I am willing to work with the authorities. Someone has clearly been using my information since. I have filed a consumer complaint with the Federal Trade Commission : XXXX and will address each credit bureau separately. I demand that they work on my file with in 24 hours in  compliance with FCRA. I will fax an affidavit and will list errors.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Debt collection (Medical) with United Revenue Corporation (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have no recollection of this collection. UNITED REVENUE CORP. Never signed a contract with this company. I have written them directly and received no response. Someone either from a data breach or theft of my purse has use my information to obtain all kinds of weird things. I 'm tired of trying to call when they just tell me I owe the debt and do n't care to help.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I started working with Ocwen to help the seller XXXX XXXX XXXX XXXX XXXX XXXX loan number XXXX, I submitted the complete package with offer on XXXX/XXXX/16 ( including XXXX short sale package ) Ocwen asked for a estimated closing statement XXXX different times with XXXX different changes to it, after which they responded back stating they wanted a bigger offer, in the amount of XXXX I asked the buyer if he would consider rising his offer, he did to XXXX due the fact that 's what the appraisal came in at, and as contractors bid of XXXX for repairs, the appraisal and contractors bid was submitted to Ocwen they said they did n't have enough time to review the documents sent to them, and was going to sale the property, The property is not worth what Ocwen is asking, as the appraisal states, that 's not including the amount of repairs that need to be done to the property in order to get it back in shape, nothing has been done to the property for years, and you can tell when you walk into the property. 

Ocwen has feet dragging their feet on this, each time they changed the estimated closing took them XXXX to 15 days to get back with me, and we have jumped though all the loops they wanted without any corporation from Ocwen. I would like to know if there is anything you can do to help us with this. 
I had to have legal stop, stop the sale so I would be able to wait for ocwen to reply to the paperwork that I submitted to them. I do n't know what else to do, I am trying to keep a foreclosure off our clients record, and Ocwen Dose n't seem to want to work with us, I do n't know why we have done everything they asked us to do and more, We have another sale date of XXXX XXXX 2016

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: Transunion has been sent three different letters about verifying a specific account which is XXXX XXXX of XXXX XXXX. This account is in collections but the creditor is showing with a balance. They have failed to correct it or validate the debt and ive sent 3 seperate correspondences. They have not sent any paperwork showing proof of the debt.I want it deleted now, this is a violation I sent correpondence XX/XX/XXXX & XX/XX/XXXX and received no proof or change on my report, creditor and collector should not both show a balace

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 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with STERLING INFOSYSTEMS INC (NJ).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Around XXXX EST I received a copy of my background check copy as requested. 

There were several discrepancies so I called the company. 

1. They didn't verify my employment as confirmed when speaking to them via phone however they listed that I provided false information on the report and did not state that they did not verify with my previous employer. The dispute here was in regards to when I worked for an employer. I had someone from their agency prior only ask for verification of a XXXX for the year 2017, not for what the final background report said. I also had supplied them with the employers number. They stated they did not call them. I asked them to correct the statement made to reflect they did not verify my employment with the employer and it was jot because I provided inaccurate information. 

2. I noticed there was a name listed as an alias associated with me. Not a variation of my name but a completely different person. I asked for this to be removed and disputed for accuracy and was denied the request and told I would have to pay them to have it removed. 

3. The job title for on3 company was listed as employer verified and that I misrepresented my job title. I asked how they verified and they provided the name of an individual that does not work for my employer let alone in their hr. Which means they are verifying infirmation without verifying they are speaking to the employer.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I contacted Bank of America upset that they transferred more than enough money from my overdraft account to my checking account to cover an unathorized charge ( I already handled the unathorized charge with the party charging ). I was told the alternative was not to have the overdraft kick in and have all charges rejected. I agreed that was best. Only then did XXXX advise me tha tthere is a {$35.00} charge when they reject a charge. I advised her I did not want that, keep it as it is. Then I recieved a letter in the mail that they had removed the overdraft protection and disconnected the accounts. When I called Bank of America upset this unathorized change was made by their employee they indicated they were unable to reverse what their employee had done as they no longer offer such a service. I advised them her changes to my account were not authorized once I learned of the implicaitons of that alternative and that her behavior was unathorized and therefore illegal. As a result, I intend to close my accounts with Bank of America as I can not trust their 'customer service ' with my accounts.

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 09/13/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (AZ).
Issue: Deposits and withdrawals

Complaint: I have a business account with Chase and since last year around XX/XX/2015 I have been getting charged service fees. Around the same time in XX/XX/2015 I closed a savings account with Chase and since then I am getting all sort of fees. I called once customer service and they explained to me that I was getting charged since I closed the savings with them and I explained that the rep who helped me to close the savings account at the local branch in XXXX and XXXX never advised me of the fees I was going to incur by closing this savings account. The agent was able to refund all the fees at that time and told me was going to place a note on the account to avoid future fees from the bank. I am still getting charged {$14.00} a month. I tried to get the fees refunded again by talking to the branch manager at the location in XXXX and XXXX but he refused and was really rude. I have also requested a new debit card because mine was about to expire and I got charged {$5.00} for a replacement card. This bank owes me XXXX monthly fees in the amount of {$14.00} and {$5.00} for the card replaced which nobody advised me of.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-01-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Please help as account # XXXX has been reinserted on my credit report for the third time and the dates have been changed. The first time this account was on my credit report under " XXXX XXXX '' # XXXX and was deleted. Now, the same account is showing up under " XXXX XXXX '' # XXXX with changed dates. Please have this account removed off my credit report ASAP as if violates the Fair Credit Act. 

I have provided supporting documentation for your review.

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