milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/30/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Settlement process and costs

Complaint: I am being harassed by Ocwen Loan Servicing employees and litigation crooked lawyers. Ocwen XXXX are using levels of fraud to rip off my home. The system is so corrupt. I have repeatedly demanded CFPB enforcement staff to involve the authorities into my matter and kick in Ocwens front door to drain the smelly fishy swamp. I am not taking any XXXX from shady ocwen or its crooked fairly new licensed attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: ReceivedReceived letter from collection agency ( MCM ), XXXX XXXX, 2016 requesting payment of {$360.00} debit with XXXX. Responded to MCM via certified mail XXXX XXXX, 2016 requested itemized of charges related to debit, copy of any signed contract and proof they were licensed to collect debit in SC. ( I am disputing to total bill ). 

Received letter from MCM on XXXX XXXX, 2016 ; letter explained they reviewed notes on account and determined the debit to be valid. I responded, with certified letter to MCM again requesting itemized charges for billed amount, copy of any signed contract and explained I was disputing the total amount billed and did not believe this was my debit. I requested MCM to contact original creditor to obtain the information I requested. 

Received another letter from MCM stating the information they have is correct and they are uncertain what I am specifically disputing and asked for written explanation and documentation demonstrating any errors in their account information. 

I will be responding to this last letter via certified mail and state in simple language I am disputing the total amount billed, and a simple explanation I do not believe I owe the amount being billed. I will again request itemized charges for the amount billed and copy of any signed contract from the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX I received a letter from XXXX XXXX saying I owe XXXX XXXX XXXX. I informed them that I do not owe this and that the account does n't belong to me. The rep yelled at me saying that it does and I needed to pay and used foul language. The debt was posted to my credit and I disputed it woth the credit bureaus and XXXX XXXX and it was removed.Now i have received another letter today XX/XX/XXXX dated XX/XX/XXXX from a different company diversified consultants which is a completly different cpmpany saying I pwe this debt of XXXX. I informed them it was disputed before and removed but theu say i owe please help me with this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/18/2017 about Bank account or service (Cashing a check without an account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Making/receiving payments, sending money

Complaint: Everytime i come to  bank of america  on  XXXX  i have to wai t 30 min i nside when a particular teller is working. Someone needs to close this branch down. I have heard several people complain about this bank. None of those describe my issue ... thid teller is either accepting a money truck or its another customer  w an iss ue ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Debt collection (Other debt) with Credit Protection Association, L.P. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I closed an account with  XXXX  in  XXXX   XXXX  due to moving out of their service area. The final bill was paid and  XXXX  confirmed at the time of closing that no amount was owed.     I received a notice dated  XXXX   XXXX ,  XXXX   (  14 months after the account was closed ) of an attempt to collect a debt by  " Cre  dit Protection Association  XXXX LP '' (  CPA ) at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , Texas,  XXXX . They claimed  XXXX  had turned over the amount of {$210.00} for debt collection. This is the exact amount of the final bill which was confirmed paid when I closed the account.     I called  XXXX  and they said if a debt was owed, I had to deal directly with the collection agency. When I said I had proof that the final balance had been paid, they said it must have been paid after the account was closed and already turned over to a collection agency. I asked for some kind of proof that it had been turned over, and the  XXXX  agent said she would n't have that in her file ; I had to talk to the collection agency.     I called CPA and they said to clear the debt I had to submit a copy of my bank statement showing the debt was paid. When I said my proof of payment was to  XXXX , they said I needed to talk to  XXXX  directly and should ask for a supervisor. I did not submit any bank statement to CPA as I was beginning to suspect this was a scam.     I called  XXXX  again and asked for a supervisor. They said : 1 ) they do not work with CPA ; it is not an agency they use for debt collectio n 2 )  no debt was owed when I closed the account and they never turned any amount over to a collection agency  3 ) t hey were flagging my account for possible fraud and notifying their own fraud protection unit that I had been targeted  4 )  they recommended I submit this complaint I have now received a second debt collection notice from CPA and believe I am being targeted for a scam or have been a victim of identity theft. Aside from the lack of an actual debt and the fact that  XXXX  does n't use  CPA, there are typographical errors on the collection notices and the envelope has a generic file number,  all of which point toward a non-reputable practice.

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. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: The credit reporting agencies are negatively impacting our credit scores, if we win a dispute against a credit company. I won a dispute against XXXX XXXX, after it was proven that they cheated & defrauded me. The account shows as Legally Paid in Full. Yet, the credit reporting agencies insist on making ME wear the Scarlet Letter for 7 years! <P/>The credit reporting agencies instructed me to contact the company to ask that they send a correction. XXXX will not help me! I proved them to be cheats & liars! They are laughing at the fact that the credit reporting agencies are helping them to XXXX me, by rubbing salt in my wounds! <P/>It is not fair, that I fight against someone trying to XXXX me over, I win, I prove them cheats & liars, and my reward? I am forced to carry the dreaded SERIOUS DELINQUENCY on my credit record for 7 years! How is that fair? I was a victim, and now, I am a victim again! For 7 years, I am a deadbeat, because I refused to allow someone else to cheat me??
<P/>I just finished a call with XXXX. They insist on keeping the bad mark against me, even though they know all the material facts, that I had won a dispute against a company trying to cheat me. They insist on making me pay the price for something I did nothing to deserve. This is just wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I requested my complete file pertaining to certain inquiries on my credit report in accordance with FCRA 609 and FCRA 611. 
This DEMAND of documents letter was sent by certified mail on XXXX XXXX, 2016 and I received acknowledgement of receipt on XXXX XXXX, 2016. After the 30 time permitted for compliance under FCRA 609 and FCRA 611, I did not receive completeness of records pertaining to the disputed items and they were not deleted after the 30 days permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I was never informed that this alleged debt was being reported on my files nor was i informed that I owed this debt or that a collection agency was going to be claiming that I owed this debt! I do not owe this money and this is to be removed from my report within 30 days! According to the FCRA I was to be notified that there was a balance and informed that this agency would be collecting a debt from me! I was never NEVER informed of this debt so in accordance with FCRA This is not a valid report and is illegal to report this to any agency! If it is not removed from my file I will file a lawsuit in regards to A FCRA violation!

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (ID).
Issue: Application, originator, mortgage broker

Complaint: This is the third time I 've typed this and it has disappeared. 
So briefly my husband died in XXXX 2013 and he was the only one on the loan. I contacted Wells Fargo and submitted all the paperwork for a loan modification because of hardship. They returned the paperwork stating that since the loan was not in my name I need complete the paperwork for a Non-qualifying Assumption. I did so as I recovered from XXXX XXXX XX/XX/XXXX. I then got all my paperwork back saying I missed the deadline by 9 days. They recieved my paperwork on XXXX. I was never told there was a deadline. I filled out the paperwork as quickly as I could. I then had to assume the loan with a credit qualifying assumption. At the time it was impossible. I would appreciate some help on the matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Navient raised my interest rate significantly on my Signature Student Loan, during a time of financial hardship, making it more difficult to pay down the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Debt collection (I do not know) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received notification from XXXX that a new account was sent to collections. After reviewing the account, the account is not mine, I do n't recognize that balance or that company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 02/16/2018 about Vehicle loan or lease (Loan) with United PanAm Financial Corp. (AZ).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: Interest charges were to be 6.57 %. They charged more interest than stated. When I called and asked them, they did not have an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
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: in 2014 my information was used at a hospital for treatment. I submitted a dispute with XXXX explaining that in 2014 i was in XXXX and couldnt possibly be in a hospital. XXXX did not complete an investigation to verify if i was in XXXX, only submitting to the collections company to verify my info. This investigation took longer than 30 days and i did not receive anything back. i called back requesting this be removed from my report and was told they are not allowed to remove data, the only thing they can do is submit another dispute. Agent XXXX # XXXX admitted to not investigating my claims.

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 04/24/2017 about Debt collection (Other debt) with Choice Recovery, Inc. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Recently while conducting a monitor of my credit report I discovered that CHOICE RECOVERYINC. #  XXXX , #  XXXX , #  XXXX , #  XXXX , #  XXXX , #  XXXX , #  XXXX  information. I believe under th e Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from   XXXX   XXXX   XXXX   . but I am   unaware of the amount due and your bill does not include a breakdown of any fees.   Additionally, I am allowed under th e HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permi ssion to CHOICE  RECOVERY INC. to  release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than that is to only be revealed with the patients authorization, therefore my request   is two fold and as follows, Validation of Debt, and HIPAA authorization.
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.
3.Cease any credit bureau reporting until debt has been validated by me.
4.Please send this information to my address listed above and accept this form  al complaint as my formal debt validation request, which I am allowed under the FDCPA.   Please note that falsification of the information you received from any medical provider can be percieved as  a HIPAA comp liance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt.   Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it  may be a vio lation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Debt collection (Payday loan) with ROC Asset Solutions, LLC (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I just want to know if the this debt collection agency is legitimate, which is does not seem like it is through doing some research on the web. The company is called API and they are attempting to collect a debt from a Payday Loan I took out. They had correct information regarding the loan and the representative also had the last four digits of my social security number. But he told me that they were going to submit a judgement against me and go to my place of work and or home to serve me and in addition garnish my wages. He sounded so legitimate, but I 'm having my doubts since he was supposed to email me information which I never received and now doing my own research it seems the company does n't exist and I 've been scammed. From what I 've seen on the web, this company has been scamming individuals out of money. Can someone please contact me as I did give this person my debit card number.

Company response to consumer: Untimely response
Consumer complaint received 05-01-2017 about Student loan (Private student loan) with College Foundation, Inc. (NC).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: My father co-signed for my private student loan fro m the College Fo  undation o  f NC. In 2011, h e filed for bankruptcy. At that  time, CFNC apparently sold off my loan to some guarantee agent, but I received no communication from them about this. They claim to have mailed me a single, paper letter in the mail, but they mailed it to my parent 's house, and I never received it because I was living at school. They had my email address and  phone number, and I had previously received communication from them via email, but I had never had any contact with them through the mail. I never got their letter and was left completely clueless as to the status of my loan. When I logged into my online account, it showed a {$0.00} balance as well as a credit for the principle balance, so I assumed that it was being handled through my parents ' bankruptcy. They al so reported my loan as closed to the credit bureaus, and nothing from the guarantee agent ever hit my credit report ( I also never received any communication from them ). Apparently, it spent the entire 5 years my parents were in bankruptcy garnering interest, which they have now added to the princip al balance of the loan. I had no way of making any payments on the loan, having never received any contact information for the guarntee agent, and there was no contact information on their website or any other indication that the loan was still active. Had I been provided with a means of paying down the loan, I would have done so and would not have allowed it to sit for 5 years gathering interest. I have tried contacting them numerous times about this over the last few weeks, but they claim that since I missed their " letter '', they are absolved of any further responsibility to me. I am not even sure this letter even exists and, they were unable to provide any proof of mailing. I have also requested a statement detailing how they have calculated the interest due on the loan for the last 5 years, and they have not provided that either.

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 06/23/2015 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX, XXXX XXXX XXXX report of negative information about a 2008 loan That was paid and account closed. They continue to report it in collections/charged-off XXXX of XXXX even pulled my Credit Report this month without my consent. It has ruined my credit to the point I have not been able to buy a car, home or rent an apt in my name. It is all very damaging and extremely unfair. I work hard and always pay my bills and taxes. Do companies have a right to put me in this kind of hardship causing me to be considered a credit risk?

Company response to consumer: Closed
Consumer complaint received 12-08-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This Fraud address was asked to be removed and I did submit proof and a credit report also My DL, ID, Passport proving I was living out of the country and bills. Please have them to remove it. I have asked 4 times by mail over the last 6 months. 
XXXX XXXX Il has never been my Address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-09-2017 about Checking or savings account (Checking account) with PAYPAL HOLDINGS INC. (IL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On XX/XX/2017, I discovered that my XXXX checking account had been hacked and the hacking had been going on since late XX/XX/2017. Copies of all my statements showing the hacking are attached, along with my letter to XXXX. The hacking was in the form of EFTs, or electronic fund transfers to various and numerous PAYPAL accounts. Please see the attached PDF. There were seven pending transactions on XX/XX/XXXX and XXXX refused my request to try to stop them. As you can see from the attached PDF, those seven pending transactions totaled approximately {$10000.00}. In all, as you can verify from the attached PDF, the fraudulent EFTs totaled approximately {$180000.00}, which was a number generated by PAYPAL.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: My complaint is somewhat complex and involves the practices of Citibank who issued me a credit Card. I made charges on my Citicard ( number ending in XXXX ) and my Balance was {$8000.00} approximately two years ago. I cut up the card and they wont give me all the numbers over the phone so I only have the last XXXX. I entered into a debt management program with a non-Profit agency recommended by the XXXX County government ( XXXX of XXXX County ) which required a 4 year Agreement with all my credit Cards being paid-off at $ XXXX month. The total credit card debt was approximately {$35000.00}. Citibank was paid XXXX/month. No debt was forgiven, but the creditors generally agreed to reduced interest ( about 10 % ) and not to Charge any fees. I made all my payments of {$880.00} on time. In XXXX of 2014 I began receiving calls XXXX times a day from Citibank saying my account was delinquent and they had already made entries on my credit Report. After calling several Citibank departments I was told that a payment was made late in XX/XX/XXXX disqualifying me from the program and that my payments were delinquent after that because the new Minimum payment was more than $ 180 month. All kinds of fees were added to my Balance and they had changed the interest rate to 30 %. They said I no longer qualified for the program because of the late payment and they refused to participate in it anymore and said I had to pay them directly under the new conditions. They had never sent Statements like the other companies so I asked for past Statements and current Statements but they refused to provide them because they said that Statements are not available with the type of Card I have. In XXXX 2014 None of the other credit Card companies reported a late payment. I refused to pay them anymore without Statements and so now I just pay XXXX/month to the debt Management plan. Citibank now calls XXXX times a day even though I asked them to stop and I have to Change my phone number. I figure with the fees and 30 % interest not only have they wrecked my credit I was trying to improve, but the Balance is probably {$2000.00} higher than it was in XXXX 2014. The Penalty for suposedly being late on XXXX payment does not seem equitable. it seems like a scam to extort extra Money out of me. Can they use this as an excuse to just disregard the contract they made with me as part of the debt Management plan. What they are doing doesnt seem morally right.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief