milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/18/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Struggling to pay mortgage

Complaint: I requested and received a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX ( XXXX ). The XXXX loan was approved and received by the mortgage servicer, GMAC Mortgage. The day before the Sale Date, GMAC Mortgage refused to accept the reinstatement monies that had been electronically transferred via XXXX computer system. GMAC claimed they required seven ( 7 ) days to reinstate my mortgage, and XXXX XXXX XXXX XXXX XXXX approval process left them with only five ( 5 ) days to reinstate my mortgage. California Law requires only four days, and XXXX California maintained that GMAC 's failure to accept the moneyparticularly the day before the sale datehad theretofore been unheard of. I called and talked with my loan 's investor, XXXX XXXX, and was assured my home would not be sold with an approved XXXX XXXX XXXX pending. 

My house was taken by GMAC on the courthouse steps XXXX XXXX, 2012despite XXXX XXXX 's assurances to the contrary. 

I then sought to get the sale reversed through the courts. GMAC had declared bankruptcy, so the lawyers attempted to regain my home for me through bankruptcy courts in New York. The New York bankruptcy court handling the GMAC bankruptcy refused to hear my case. They took my home without precedent, hearing or accountability.

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 04/30/2017 about Mortgage (FHA mortgage) with LoanCare, LLC (OH).
Issue: Trouble during payment process

Complaint: I have received a statement on  XXXX / XXXX / XXXX  from my new loan compan y LoanCare a   servicelink compan  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX , VA  XXXX   XXXX  whom bought my loan from   XXXX   XXXX   XXXX   XXXX . The loan was bought in    XXXX   XXXX   XXXX    ( i know why the bought in  XXXX  now. ) I had    XXXX   XXXX   XXXX    since my last FHA refinance in  XXXX . I have NEVER had an escrow issue for 6 years. N ow LoanCare is saying I am a tax payment short of their buffer. Which the amount is {$1600.00}. Their   statement suggests even if I pay this amount my payment will be increased. This is very fraudulent and happens to millions a suspect a year. I have contacted  XXXX  to request all  XXXX  statements to prove this fraudulence. What is worst, is I have contacted LoanCare by phone without a successful explanation other than your short. I have emailed them  three times in the last three weeks with  NO response. Let me know if you need anything from me as I battle a bank ....

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 card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I opened a chase british airways credit card. The offer terms stated that I would receive XXXX Points if I spent {$3000.00} on my card within 3 months of opening my card. I have done this. My statement showed that I would receive the british airways points. ( see attached ) However the points did not show into my British airways account. When I contacted chase about this they told me that my British Airways account had to be registered in the USA for  me to receive the points, and that I should change the address on my british airways account to a US address. I have done this over two weeks ago, I called chase and they said they will have the points transferred within a few days however I am waiting over 2 weeks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-10-2018 about Vehicle loan or lease (Loan) with PNC Bank N.A. (NC).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: My vehicle was repossessed as I was 3 months behind on my payments ( XXXX, XXXX and XXXX ) as the amounts for each month were {$390.00} ( A total amount of {$1100.00} ). Once the vehicle was repossessed, I spoke with the bank my loan is with ( PNC Bank ) and they stated I would have to pay {$1300.00}, which was also including my monthly payment for XXXX, but my monthly due date is not until the XXXX each month. The bank was making me pay the past due 3 months and my current payment, despite the fact that it was not due yet.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Payday loan () with Big Picture Loans, LLC (CA).
Issue: Can't stop charges to bank account

Complaint: In XXXX XXXX I took out a Payday loan with XXXX XXXX for {$400.00}. XXXX advised by the representative I 'd need to repay a finance charge of {$140.00} + the original loan amount, for a total of {$540.00}. They have not stopped charging my account since XX/XX/XXXX. When I contacted them in XX/XX/XXXX, they told me that I had to pay an interest payment before I could pay the principal. I threatened to contact an attorney, and they stopped, but started again as Big Picture Loans. They have drafted by account twice monthly. Upon further inspection, they have fraudulently initiated XXXX new loans in XX/XX/XXXX which I did not initiate ( See Attached ). Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I went to the online site for obtaining my free annual credit report from all three agencies. I completed the forms completely and accurately. Only XXXX gave me my credit report ( which I printed out for my personal records ). Equifax and XXXX  both refuse to give me my credit report. Both have done this to me in the past. ln the past, I even went so far as to send them copies of my driver 's license, Social Security card and form XXXX. Neither ever sent me my credit report. I know that these credit reporting agencies are required by federal law to provide me with an annual credit report free of charge. This is obviously some kind of scam on their part because one year that they refused to give me my free annual report, they offered to give it to me if I paid them for my credit score. I paid them and then they tried to charge my card every month for the service. I hope you bring these horrible people to heel. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Problem with fraud alerts or security freezes

Complaint: As you already know, Equifax was part of a credit breach of millions of Americans. My whole family was affected. It costs {$7.00} to put a freeze on our credit. That amounts to almost {$70.00} to freeze credit for our household. They told me I had to contact my attorney general in my state about this. I think Tennessee should be wavering this dollar amount because so many Tennesseans are affected.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Debt collection (Medical debt) with CREDIT WORLD SERVICES, INC. (KS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am showing on my credit report that I have a debt with Credit World Services Inc. for a XXXX bill it is not mine. I tried to get in contact with the company and it is impossible, I need to get this resolved. PLEASE

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 03/24/2015 about Debt collection (I do not know) with Receivables Performance Management, LLC (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: While checking my personal credit report, which I acquired I notice an inquiry made by the below organizations on the listed dates. 

Since I have not, to the best of my knowledge, authorized anyone employed by those organizations to make an inquiry, they are not legally entitled to make the inquiry. Therefore, I request that you contact the concerned credit bureau and remove the unauthorized hard inquiry immediately, under the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. I also request that you remove my personal information from your records. Please send me a written confirmation that you have complied with my requests. 

If you believe that you possess sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity. 

Credit Inquiries XXXX XXXXXXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On :XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXXXXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX Requested On :XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry fromXX/XX/XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX from XX/XX/XXXXXXXX Indirect We Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX A Inquiry from XX/XX/XXXX XXXXXXXX XXXX XXXX, XXXX A Inquiry from XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX from XX/XX/XXXXXXXX XXXX XXXX, XXXX XXXX  Inquiry from 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 10/26/2016 about Credit reporting () with EARLY WARNING SERVICES, LLC (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been trying to communicate with XXXX and do not seem to be getting any clear answers as to why they are showing up and reporting derogatory information about me on my Early Warning Systems report. I am well aware that EWS was started by big banks, for big banks, and is funded by big banks, but FCRA rules do apply. This is my XXXX request for them to proove the account belongs to me by providing me something with my signautre on it or delete it. 

I do n't know why I must spend so many countless hours trying to correct this companies mistake, this is causing me a lot of stress. Since I can not get an answer from XXXX maybe Early Warning Systems can investigate and show that it conducted a proper investigation. Show me anything with my signature on it. I am holding EWS responsible since hey publish the information, which is inaccurate and does not belong to me since I ca n't get anywhere with XXXX. 

I am a XXXX XXXX citizen per attached. This specific mark is preventing me from obtaining in home care that I need after my car accident. 

Please do not call and communicate only by way of the CFPB portal or mail only.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 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: Account status incorrect

Complaint: I discovered last month that   XXXX   XXXX   XXXX   is still continuing to report mortgage payments located at   XXXX   XXXX   XXXX  .   XXXX   , GA to creditors. I contacted them last month and advised that this loan was filed under Chapter   XXXX   in  XXXX . I was not provided any assistance. I reached out to   XXXX   and Transunion and filed a dispute. I received the message dated  XX/XX/XXXX  from  XXXX  : Discharged through Bankruptcy Chapter  XXXX . This account is scheduled to continue on record until  XX/XX/XXXX . I contacted the bankruptcy attorney who advised that this account should not continue to be reported on my credit. It is being reported to all credit agencies. This debt was included in Chapter   XXXX   back in  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 10/31/2016 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (VA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I just received a call from a collection agency XXXX who bought an old debt from HSBC and is now threatening legal action. In addition, they called my job and left information with the person who answered the phone in reference to this. This is third party disclosure and is completely illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I told Wyndham Rewards and  XXXX   XXXX   ( Barclay 's cards ) to  closed my accounts in order for them to stop charging me {$400.00} in late fees and interest in both cards and they told me that they will continue doing so until I pay them off. I think that they are wrong because when an account is closed is not supposed to be added more late fees and interests.

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 11/14/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently filled out an application to rent a house. When I received my Email from the rental place I was trying to rent from it stated that my rental history was declined.I then wondered why was it denied to to the fact that I have no rental history. I filed for a background screening report an once i received it I found that someone by the name of XXXX XXXX rented out of XXXX XXXX from XX/XX/XXXX- XX/XX/XXXX in the amount of {$660.00} a month with an open balance of $ XXXX states that this person never gave proper notice of leaving the residence.I did not authorize this person or any other person to use any of my information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/13/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I went for a loan from XXXX mortgage company, was underwriting for XXXX XXXX. I was unaware of all scams and tricks that were being done at the time, they seemed like trustworthy people. I later found out that my closing documents were forged and initals put in places for an adjustable rate that I never agreed to. My initial mortgage payment was XXXX dollars inc. taxes that went up to XXXX a month. They transferred my mortgage to several banks and finally ended up with Wells Fargo as a servicing company and XXXX XXXX XXXX XXXX XXXX as the creditor. I had this mortgage for ten years. The balance started out as XXXX now it 's more than XXXX and still going up. They notified me that they were going to foreclose on the property because they are unwilling to do a modification and balance reduction that is affordable. They promised me during XXXX that after the moratorium was over they would modify the loan. All empty promises. They have all phony foreged documents, robo signatures they are using to take my home from me, when they ca n't even prove they legally own the note let alone foreclose. pls help and investigate this pack of lies, and foreged documents intered into there mers system. They never even filed with the XXXX county clerks office they are the owners of the note. they ca n't produce the originals and hide behind lawyers who lie for them and employees that just signed lies for a living. sincerely XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NY XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with National Consumer Telecom & Utilities Exchange, Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: XXXX, confirmation number XXXX, is reporting outdated, inaccurate and credit slander information on my report. There are double accounts, address ad current is almost 8 years old, and fraudulent I 'D theft accounts disputed with XXXX directly shown as current. They are Willfully Negligent in reporting and maintaining accurate information. I plan to also contact the California Utilities Commission to file a complaint and the .CA Attorney Generals Office.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed Chapter XXXX on XX/XX/XXXX. My payment plan was for 60 months with 100 percent payback, which I have completed and complied with the court system. My Transunion credit report, as of XX/XX/XXXX, still does not reflect the " status '' of the chapter XXXX case. It 's been a little over 69 months since the chapter XXXX was filed. The Bankruptcy Law states a chapter XXXX time period is between 36 and 60 months. My Transunion report should have either a discharge status, dismissed status, or closed status. It 's been a little over 9 months since the bankruptcy 's time limit. Nine months is outside the time frame of reporting the " status " in a timely manner.

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 09/21/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I had an issue with my Student loan in 2016 due to cause of my mother become very ill. I made a simple mistake of not having my loan in deferment but when I got wind of it. I addressed the problem as soon as possible. Its currently in good standing right now, but the issue is the late payments that have been added to my credit report. I wrote a letter to Great Lakes which they did n't have an issue but I was told somebody on their board declined my request

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2015 about Debt collection (I do not know) with Eaton Group Attorneys LLC (LA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: About 5 months ago I received a call from XXXX credit saying that I owe {$600.00} and they were a debt collector. I told them I do n't know that company and it seems like if I owe money to some creditor I would be getting bills for it and I never have. She wanted my bank info which I refused to give. She said I would be sued if I did n't pay. I asked for their address and told her to send me documents to prove I owe it. And if I see that I did I would send a money order. She said they could n't do that and I would hear from their lawyer. Well I looked up XXXX XXXX and saw a bunch of complaints and saying they are scammers. So I did n't worry about it. Well today I was left a recorded message that said this call is from Eaton Group Attorney 's and this call is from a debt collector for me to call back. Which I did n't yet. Should n't they show me proof that I owe this. I have no recollection of owing money to this company. I 'm not even sure if Eaton Group Attorney is talking about XXXX XXXX. ( For the question " Which of these best describes you issue ''? The answer is just that they threaten to sue me not that it 's an old debt because I have no idea what it is. ) Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Debt collection (Medical debt) with R.M. Galicia, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Just started looking at my credit recently, and noticed there is a medical bill that i have no idea where it came from, i havent been to the doctors in over 15 years, Never Broke a Bone or Been Sick in Past 15 Years or So I'm not sure what this Bill is about When I XXXX the Company, it has nothing but 1 Star Bad Reviews, and there are hundreds of lawsuits against them for not Updating Credit that it has been Paid or Removed like agreed So i think it's a Scam Company Please Look into it and Let me know what i Need to do to get this Removed Thanks XXXX You've paid off -65 % of your collection amount. 
Balance {$10000.00} Highest Balance {$6300.00} Opened XX/XX/2011 ( 6 yrs, 6 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX HOSPITAL DISPUTE AN ERROR Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX heres there reviews You'll see People had to take that to court and there XXXX reviews can be  found by XXXX searching XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief