milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-11-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: Home # 1. aka residence & lt ; & gt ; for almost two yrs,. Ocwen Loan Servicing had me filling out numerous loan modifications XXXX 6 ), denied every time!! After the two week waiting period, receive call, telling me, denied!! the following week, I would receive a complete loan package of XXXX pages, filled it out, sent it back via. XXXX wait the two weeks, DENEID!!! Again, the same thing, another loan Mod. package arrive at my residence. only to be denied!! & gt ; & gt ; & gt ; leaving the interest rate XXXX firmly at XXXX XXXX to date! 
Home # 2. aka investment property, I call it, retirement property!! 
Same as above, but former Servicer Stopped excepting my payment in forcing me to fill out Loam mod. only to be denied numerous times!! after it was becoming a joke, so many deniles, I asked them, what now!! Reluctant to answer me, so I asked, are you foreclosing on me? I was told, quote, your house IS in foreclosure!! I remember telling them in a letter, if you foreclose, I will receive XXXX from the I.R.S. a bill in the amount of {$50.00} K or so!! & lt ; & gt ; I did & lt ; & gt ;!!! I currently owe the GOV. {$50000.00} in XXXX gains tax!! 
Luck for me I had a buyer waiting over one year to buy my property of 22 years ownership! 
*note When I agreed to sell, I emailed Ocwen Loan Servicing XXXX what my intentions were ... 
receiving the payoff in less than one week, and I told Ocwen I have a cash buyer, please assist my buyer 's attorney in the payoff. In essence, Ocwen ignored their attorney for three weeks!!! Almost jeoppadising my sale!! & lt ; & gt ; If the buyer found out the property was in foreclosure, I would have been eliminated from the sale!!! A foreclosure to my credit, plus XXXX loosing everything ], including the XXXX XXXX dollars left over after sale Ocwen receiving their share in full!! Sale price XXXX payoff XXXX plusOcwen ruined my credit with my residence, reporting me XXXX months late while making additional payments of XXXX on top of my regular for ten months, applying the additional funds to LATE FEES AND INSPECTION FEES & lt ; & gt ; FIRST!!!!!!!!!!!!!!!!!! 
LATER ;, OCWEN WOULD CORRECT THIS MATTER!!! MY CREDIT RUINED FOR MORE MONTHS, PREVENTING ME TO REFINANCE FREEZING MY INTEREST RATE@6.875 % & gt ; OCWEN & lt ;, DOING BUSINESS UNFAIRLY IN ACCOMEDATING THEIR INVESTERS, FLIRTING WITH THE LAWS OF THE UNITED STATES OF AMERICA. 
AND WEAKENING THOUSANDS OF COMSUMERS, PLACING THEM IN HARMS WAY! 
Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2015 about Credit reporting () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am disputing Capitol One 's report regarding the delinquency of my platinum XXXX account. I request investigation because : 1 ) The terms of my credit account and debt with Capitol One are incorrect ; 2 ) Capitol One 's report as to my payment performance and conduct on the account is incorrect ; and 3 ) Capitol One 's report as to my payment relationship with that entity, especially regarding creditworthiness, is incorrect. 
This is my XXXX and only Capitol One account. This account was opened on XXXX XXXX, 2015. I set up monthly recurring auto-debit payments for the full balance of each statement on XXXX XXXX, 2015, prior to the first statement due date, XXXX XXXX, 2015. All auto-debit payments were to be transacted on the XXXX of each month. On XXXX XXXX, 2015, I received a confirmation email from Capitol One than an auto-debit payment was scheduled for XXXX XXXX, 2015. On XXXX XXXX, 2015, I received another confirmation email from Capitol One than an auto-debit payment was scheduled for XXXX XXXX, 2015, for the balance due on my second statement. On XXXX XXXX, 2015, I received a notice that the XXXX XXXX, 2015, payment had not been auto-debited by Capitol One. I received no similar notice regarding the XXXX XXXX, 2015, payment. However, when I called Capitol One the same day that I received the first notice ( on XXXX XXXX, 2015 ), I was then notified that the XXXX XXXX, 2015, transaction had not been auto-debited either. I paid the entire balance on the account immediately over the phone. The failure of Capitol One to successfully auto-debit XXXX statements pursuant to our agreement should not be reported as a delinquency on my part. I relied on their confirmation emails that the payments were to be transacted as scheduled on XXXX XXXX XXXX and XXXX XXXX. Capitol One failed to notify me that they had not completed these auto-debit transactions as agreed and confirmed until XXXX XXXX. Furthermore, this report is incorrect because this account is not delinquent and is paid in full. I request investigation as to Capitol One 's reporting regarding the timeliness of my payments, Capitol One 's failure to auto-debit per our agreement and to notify me of the same until XXXX XXXX, 2015, and Capitol One 's report of my overall payment history and creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Torres Credit Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Torres Credit services and XXXX notifying me XXXX XXXX XXXX of a debt totaling {$58.00} although this may seem like a small sum the continued reporting is damaging my credit rating. 
I contacted the XXXX major Credit bureaus and XXXX and Torres making a point of proving to them that I was the victim of Identity Theft. It has been over 30 days and they have not provide any documentation legally linking Me XXXX XXXX to the account. Not to mention the fact that : I was residing in different city than the one provided for the origin of this account.

Company response to consumer: Closed
Consumer complaint received 11-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have had my credit monitoring account for 2 years and never had a problem with any alerts reported about my credit account. I received an alert back in XXXX of 2016 that XXXX inquiries had dropped off my report. As I have been monitoring my credit file within this last month the inquiries were added back to my credit file. I have called the credit bureaus as well as the credit reporting companies and I keep being told to by both companies to dispute the inquiries with the other. I was never notified in written about the inquiries being reinserted which is violation of the FCRA Part ( A ) ( 5 ) ( B ) ( ii ).

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 10/29/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (CT).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage that was finance in XXXX at the time it was an 80 % /20 % loan. WAMU/Ocwen had the 80 % and Chase had the 20 %. At loan origination it was XXXX ARM. while going through financial difficulty I called XXXX and Chase and XXXX refinanced my loan through HARP or HAMP at a lower rate of 3.875 % and fixed my rate but CHASE has decided not to Fix or lower my rate. Currently they are charging me 9.025 % on my loan. I have tried refinancing with them twice and they have refused. Can you please step in and help me get a better rate from Chase? 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: account reported as discharged through bankruptcy chapterXXXX but actual the status comment should say paid, closed/never late

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Bank account or service (Checking account) with NETSPEND CORPORATION (WY).
Issue: Deposits and withdrawals

Complaint: Dear Sir or miss On XXXX XXXX I buy a airline ticked with my debit car net Spend to fly to the XXXX XXXX from XXXX XXXX Wyoming the ticket was {$350.00} however the whether was bad the streets where close and I dint make it to the airport I call the airline 2 day before to tell them the situation I also call my credit card company They told me to submit the my airline ticket witch I di it after few days they give me a refund for the XXXX them they took it again is XX/XX/XXXX and I am still in Wyoming trying to get my money back but they say no the case it has been close and they are not going to give me my money I di everything they told me to

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AR).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My orginal lender was XXXX XXXX then my loans were turned over to Navient at that point various changes occured. I have seen them listed multiple times on my credit report even after asking for a forbearance or deferement. Due to inconsistency and multiple inquires I have been turned down by lenders and my credit score has dropped significantly. the multiple loans for the same amount on the same day is very misleading Furthermore If I contact them as requested and make arrangements why do they still report days later as negative on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Debt collection (Medical) with Kings Credit Services (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: During this time period I had always had medical insurance. I should have never been charged for any health bills. I called debt collectors and they said not to worry about it. None of this was placed in writing and now they are claiming I owe them money when I was covered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Payment was made over the phone But for some reason reported it as a late payment

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 06-08-2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I have been informed from Ocwen 's Ombudsman office that Ocwen 's legal counsel, XXXX XXXX, has advised Ocwen not to speak to me about my account. I have filed complaints against Ocwen through the CFPB portal because of servicing misconduct and fraudulent activities that are being used to wrongfully foreclose on our primary residence. The Consumer Account Analyst, XXXX XXXX, from the Ombudsman office stated in one of her responses to my complaint, that I could call her if I had any questions regarding her response to my compliant. When I called to speak to her, she advised me she was unable to speak to me regarding my account and she has failed to thoroughly research my complaints and concerns regarding the fraudulent documents produced to wrongfully foreclosure on our primary residence. She just simply attaches a response from their legal counsel from XXXX XXXX, XXXX instead of thoroughly researching my complaint as she claims to do. In her last response to my latest complaint filed, she has directed me to address any questions or concerns regarding my account to XXXX XXXX. I am not really sure how this firm can address the concerns raised when XXXX XXXX is the reason behind my concerns. XXXX XXXX is the firm that produced to us an allonge in XX/XX/XXXX that was unstamped during the discovery phase of our lawsuit. Then XXXX XXXX provided a stamped allonge months later. XXXX XXXX is also making a false claim that I was presented with the original loan documents during my deposition and did not deny that it contained my signature. That statement is absolutely false. I stated in my deposition that the signature appeared to be computer generated and did not appear to be my original signature. The attorney for XXXX XXXX continued to badger me when I made this statement and was trying to force me to admit to it being my signature. We filed a lawsuit against XXXX in XXXX XXXX because of their servicing misconduct activities being done against our primary property. This lawsuit is now closed and Ocwen should be able to speak to me directly involving any unresolved issues or concerns I have about my account. My relationship manager, XXXX, XXXX XXXX, has also advised me that he is unable to discuss my account with me. As part of the Ocwen National Servicing Settlement Agreement, I am to be assigned a single point of contact. What is the point of having a single point of contact to ask questions about my account, when they have been unable to speak to me about my account?

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (AL).
Issue: Managing, opening, or closing account

Complaint: My account with Rushcard had a block placed on it as of XXXX XXXX XXXX. I was instructed to send in documents verifying my name and address which I did on multiple occassions only to be told that I needed to send the documents in again and again and again. This went on until XXXX XXXX XXXX when Rushcard finally closed my account and told me I would receive a check in the mail in 5-7 business days. Unfortunately for me this is around the time that they 're " system update " was to take place and now my online account is showing a zero balance and when I call in the automated system says my card has not been activated and I 've yet to be able to reach anyone from customer service since the system crash.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/17/2016 about Credit reporting () with Credit Karma, Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i have open apartment debts i never lived in

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Debt collection (I do not know) with National Processing Group LLC (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep getting calls from XXXX saying they are looking for me. They are also calling my parents home. I have no idea what this is about but the calls are very threatening and annoying.

Company response to consumer: Untimely response
Consumer complaint received 11/30/2016 about Debt collection (Auto) with United PanAm Financial Corp. (CA).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: They called at XXXX. They know I do not stay in the XXXX XXXX where the time is the different they know I moved to the XXXX XXXX last year but they keep I asked the woman did she know what time it was she said XXXX and I told her it was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MO).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Opened account with XXXX in XXXX. Closed account in XXXX. In XXXX XXXX I receive a call stating I owe money. I have tried to show that I did not make the purchase. I was told different information every time I spoke to the debt collection company. What I have learned is that a computer was purchased in XXXX with a change of address. I live in XXXX and have for over 30 years. The product was sent to XXXX. I am just hearing about this in XXXX XXXX! I have tried to explain that I have never lived in XXXX. I have even spoken with XXXX. After XXXX transfers I find out that the email and password to what was suppose to be a closed account was changed. That is how the purchase was made. I am trying to clear this debt without paying for something I did not purchase. I purchase all of my computer equipment through XXXX XXXX. XXXX says the account is now closed. However the debt collector is still sending me invoices of payment due. What do I do? I see no reason to pay for something I did not purchase. I am trying to cooperate. XXXX said they could not send me any invoice or statement of the purchase. I did receive a statement from the debt collector for XXXX XXXX. It has a XXXX XXXX XXXX address.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (GA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I did not make these charges. I 've never heard of these companies. 


XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX {$1200.00}

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 02/18/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Formal complaint credit dispute claim was opened with Capital One following an online order from XXXX XXXX. 

In short, XXXX XXXX charged the credit card. The order that was placed online was cancelled by XXXX XXXX due to inventory. XXXX attempted to rebill credit card despite this cancellation and not fulfilling their end of the order. 

A billing dispute was open with Capital One and as part of remediation, the original amount was credited back to card. However, Capital One received a charge authorization in " investigation '' BUT no other support documentation was provided by XXXX XXXX. No documentation involving delivery or processing of the order was uncovered in the dispute. Capital One 's dispute process saw the charge authorization as the only necessary component to side with XXXX XXXX of an online purchase that was cancelled by XXXX and decided to rebill credit card. Since this, we have called Capital One but they claim the burden of proof falls on the consumer now with solely a charge authorization. No sufficient evidence of the vendor 's fulfillment is a direct oversight on the process of disputing claims especially when investigating online order fulfillment. 

The initial purchase was made on XX/XX/XXXX. The dispute in question is for the value of {$61.00}. The complaint was lodged around XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Debt collection (Payday loan) with National Recovery Services LLC (WA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I was contacted by an unknown number from a man claiming to be a private process, XXXX The claiming private investigator called me multiple times in a row ) I was given a phone number to call ( XXXX ) with a reference number XXXX. I contacted National Recovery Services was transferred to a XXXX XXXX who then said I had a case number- I was never stated the Mini Miranda. XXXX XXXX threatened Legal action stating I had a litigation case in the morning for {$470.00} for an account that was 9 years old. ( payday loan 2006 ). He said that someone would be coming to my house and I had court in the morning and was being sued. I told him I am disputing this debt and wanting validation, he told me its already went to other agencies, its pass that point. He told me I could stay out of court if I paid the Pre-litigation balance. XXXX {$470.00} ) I told him the account would be out of statute, he told me know because I wrote a false check, I told him I wanted to see the validation, I did n't know what this was for. He said he was going to sue me, XXXX XXXX Hung up the call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-01-2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I am behind in my house payments and have applied for a loan modification repayment plan. 
Green Tree has blocked my account number and phone number. I have not been able to contact them since XXXX/XXXX/15. As soon as the system recognizes me I am told the extension entered is invalid. I do n't enter an extension. At first they had my account number blocked and I figured out how to reach them without the account number, then they blocked my phone number as well. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am unhappy about Equifax 's negligence in securing their data allowing a recent exposure of my personally identifiable and sensitive information, and am now at risk of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Debt collection (Other debt) with ERC (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was told that when i switched phone carriers ( from XXXX to XXXX XXXX that I would be able to do this without paying the cancellation charge because XXXX assured me that they would pay it. I told them that i ca n't and wo n't switch unless they are able to pay the cancellation charge from XXXX. Months after i switched accounts XXXX was trying to collect XXXX which i told them XXXX would pay. XXXX told me that i was n't eligible for them to pay now months after they assured me that they would pay it. This caused a XXXX collection on my report and was extremely deceitful to get me to sign up. I do n't know what to do but i am preparing to take legal action against both. Thanks for your consideration in looking into this practice by these companies

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation