milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/24/2016 about Credit reporting () with Credit Karma, Inc. (PR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The address below i do n't recognize I never live in TX. I never visit TX I assume some one is trying to commit fraud using my name. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX

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 03/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LoanCare, LLC (KY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: We were in the process of selling our home. I was in contact with the company due to the fact that we were having trouble obtaining a payoff. I informed the company that we were selling the home, I called and notified the company. I was told it was noted in the account. The closing attorney requested the payoff at the end of XXXX and because he did not get a response, I had to call and finally received a payoff. We closed on the home on XX/XX/XXXXand the mortgage was paid off onXX/XX/XXXX. Regardless of my communication our credit report was hit. I am under the understanding that this will be on my credit report for 3 years. I want it fixed. I was in communication with the Mortgage Company. 
I did my part, it is out of my control when the check is sent to pay the mortgage, and the fact that the mortgage company did not provide us with the payoff. I notified them that we were closing on the home, and I do not feel I should be hit on my credit report because they were not able to honor my efforts. I explained that the reason for selling the home is that I did not have the money for the mortgage, thus why the issue. Also, they filed for foreclosure on the XXXX home. I received paperwork. We never missed a payment, we may have been late but made the payment within the month. I told them we were selling the home. How in the XXXX does that make sense?

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 08-07-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have an inquiry on my credit report from XXXX XXXX XXXX XXXX. I have challenged this inquiry monthly for several months with the bureau and the creditor asking for the application because I do not recall authorizing this inquiry. No application has been provided in order for me to determine if this was an attempt at identity theft. Each month they send the exact same response saying they can not comply.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, 2015 at XXXX, I contacted Owen Loan Servicing in reference to my account. I spoke with XXXX XXXX XXXX and asked about some documents that were being requested ( Form XXXX ). The complete package has been faxed over twice and the form XXXX was faxed along with the package. It is very difficult to get assistance when calling to the company because not one understands or speak English well. Ocwen continue to ask for the same documents repeatedly although the package has been sent twice.

Company response to consumer: Closed
Consumer complaint received 02-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I disputed reported late payments from child support office to Transunion. The late payments were taken off my credit report by Transunion on XXXX XXXX, 2016 and told me their investigation was complete and items were removed from credit report. However, on XXXX XXXX, 2016 they added these late payments back to my credit report and are telling me these late payments are reporting correctly. I have called the Office of the attorney General and they told me that they have not reported anything to Transunion after the resolution date of XXXX XXXX 2016 removing late payments from credit. 
If The OAG did n't report anything after XXXX XXXX, 2016 how is Transunion saying this is reporting correctly and add it back to my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/25/2015 about Consumer Loan (Vehicle loan) with PRESTIGE FINANCIAL SERVICES INC (AZ).
Issue: Problems when you are unable to pay

Complaint: We are filing our complaint against Prestige Financial based on FDCP act section XXXX Harassment or abuseWe personally spoke with XXXX XXXX on XXXX advising XXXX of payment on account # XXXX along with advising XXXX XXXX at the time of the call we were at a doctors appointment ( physician was at bedside ) and requested to end the call. Prestige Financial then proceed to call us directly back twice more just seconds/minutes after already speaking with us. On XXXX/XXXX/2015 Prestige Financial ( XXXX XXXX called XXXX and spoke with him advising payment would be made on XXXX/XXXX/2015 my XXXX and the remaining balance would be paid once XXXX receives his VA XXXX payment on XXXX/XXXX/2015. Directly after speaking with XXXX Prestige Financial XXXX XXXX XXXX then proceeds to call XXXX regarding payment that had already be discussed with XXXX just a few minutes prior!! Prestige XXXX XXXX XXXX leaves voicemail providing detailed account information having not confirmed if the voicemail was indeed XXXX active voicemail. 

Payment was made on the account as stated my XXXX on XXXX/XXXX/2015 via XXXX XXXX XXXX XXXX. On XXXX/XXXX/2015 XXXX receives voicemail once again from Prestige Financial XXXX XXXX XXXX requesting payment on the account which had already been discussed less than 24 hours ago! This is not the 1st time such calling methods/practices has been demonstrated by Prestige Financial. 

We have asked that all future communications from Prestige Financial to us be sent via email only.

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. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was part of the release of information against my will. I am now vulnerable to identity theft as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Payday loan, title loan, or personal loan (Payday loan) with ACE CASH EXPRESS, INC. (LA).
Issue: Struggling to pay your loan

Complaint: I had a loan with Ace Cash on last year and today I get a call from another company saying they are verifying my wages to file suit and they will PURPOSELY add on {$2000.00} to it. I told them I will speak with my lawyer before I agree to anything and XXXX told me MY LAWYER COULD DO NOTHING. I HAD TO PAY OR ELSE. THAT 'S HARRASMENT. I have not heard from these people in a year and now out the blue they call with scare tactics. I have the screen shot the number they left and I called back. They are RUDE and need to advice there employees that we have rights also.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Debt collection (Medical debt) with Allied Collection Services, Inc. (Nevada) (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I Have a medical collection on my credit file for a debt that hasn't even been settled in court yet because i was in an accident that was not my fault. My Attorney stated that i should file a compliant against this company for reporting a negative mark on my credit file on a case that is still open.

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 09-06-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I have called numerous times trying to work something out with them. They lied and told me that they would defer a payment or put a payment in forebearence if I caught it up to date. I did and then they refused to do it. They called me, I thought it had been deferred they informed me that whom ever I spoke with did NOT in-fact defer my payments. I skipped that month thinking it was taken care of. I had been in an automobile accident and needed a month, which I was told I had at that time. I was informed that now I have to pay that money again only to catch it up again with the money I do not have. I told them I would pay something by the end of the month and they continue to call me from private numbers which have no way of contacting them back. They also call me up until XXXX at night sometimes XXXX. also on Sunday 's. They have been told not to contact me at those times. I explained to them I am in the same business and know the ropes. They call XXXX times a day even after I have promised to pay on the account. They reply with " I can call you anytime I would like. '' I have tried numerous times to work out something with them. They are beyond rude and although I told them to contact my attorney they refuse to do that. I have an attorney on retainer but do not want to use that option. The company is Navient/ XXXX . I went to school at XXXX XXXX XXXX University. I did not get to finish my degree due to lack of money.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Debt collection (Mortgage) with OCWEN LOAN SERVICING LLC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX I have never had a late mortgage payment. 
My payment is P.I.T. there is no in loan insurance. 

My present loan servicing co. ( ocwen ) claims, since they took over the loan, ALL payments for XXXX+ months have been late.This never happened. For XXXX+ months they have been harassing me to pay thousands extra. Because THEY made several mistakes! 
The extra amount they claim is due changes up and down by thousands every month or XXXX. 
I have figured out that they seem to lose track of customers payments all the time and do n't have employees that can read their " payments received '' list. 
Maybe they do n't have a " Payments received list '', but they should have XXXX since they are in the business of receiving payments. ocwen has a reputation of doing this to thousands of citizens regularly. 
This usually ends in ocwen FORECLOSING on people 's homes! 

I have sent them transcripts from my bank 's bill payer system ( XXXX bank ) showing all payments exactly on time every month. The payments are " Wired in '' so they can not " lose '' any of them ( they " lose '' payments regularly ) and they still keep trying to collect thousands in erroneous fees. 
I need this to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Mortgage (Conventional fixed mortgage) with United Shore Financial Services, LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage payment with UWM and in XXXX XXXX paid the required XXXX into their escrow a account, I have paid faithfully every month. My property taxes and hazard insurance has been the same. FOR some reason I just received a statement saying I am short on on the amount in my escrow account and need to send them them {$140.00} because I do not have the required escrow of XXXX dollars. For XXXX and in the past it was the same nd it was never short. What happened this year? I have talked to them, but they do not give me an answer as to why it happened to be short this year. UWM is a division of United Shore Financial services.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Debt collection (Medical debt) with United Revenue Corporation (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: United Revenue Corp is reported me to XXXX but I have never used any services from them or their affiliates. I asked them to provide me documentation of this debt so I can turn it over to proper authorities. But to no avail they did not do so. I verified my Idenity and current and previous address with them but the address they have for me I never lived there. I told them it is mistaken Idenity but the refused to notify XXXX to delete the accounts. They are on my credit report 4 times all different accounts.Account numbers are as follows : # XXXX # XXXX # XXXX # XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My account with XXXX XXXX AKA XXXX XXXX has been completely paid in full for months. Originally I tried to pay this debt through XXXX and was denied the opportunity and was forced to go through the collection agency which I did not want to do due to miscommunication. I paid off the FULL balance in order to receive a deletion from my credit report. XXXX XXXX and XXXX both have not taken the necessary steps to remove this account from my XXXX, XXXX, and Transunion credit reports and it is just unbelievable especially when I tried to pay the original creditor directly and was told I could n't! Now my balance is reporting incorrectly on some of my credit reports it says paid in full and on others it says " settled '' which I never settled I paid the FULL balance. This account needs to be deleted from all XXXX of my credit reports as agreed especially seeing as I dont owe them anything. That negative account is severely affecting my way of life at the moment and I need to see it gone. I keep requesting that the credit bureaus contact XXXX which they did and they even have sent me MULTIPLE statements saying my account was paid in full so I even have documentation. Please remove from my credit reports. I want to believe that XXXX is a good enough company to do this for me.

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 02-06-2018 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (NY).
Issue: Struggling to pay mortgage

Complaint: I went through an illness, I have separated from my wife, but I was able to keep my children. I am well now and tried numerous times to work out something with Caliber Home loans to save my house. It has been difficult. 

I have had to file bankruptcy chapter XXXX to stop the sale. I was working on a part time job for many years and now they have decided to hire me full time. I make a good salary now and I am well physically and mentally. My children are all in school and doing well. 

I am willing to pay a good faith payment and trial payments to get an opportunity to save my house from foreclosure auction on XX/XX/ 2018.

I am willing to work with Caliber Home Loans if they will please give ma a chance to prove myself and keep my home I can afford to make the payments and maintain the property. 

Thank You Very Much!

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: From the month of XXXX, I have been contacting XXXX XXXXl to pay the minimum monthly payment and I have n't been able to. XXXX XXXX, has blocked me from making online payment, XXXX XXXX and XXXX XXXX. I went on XX/XX/XXXX, to XXXX to make payment to XXXX XXXX via XXXX XXXX and on the screen the customer service representative said that she had never seen a message across the screen instructing me to call into XXXX because there was a block on it. Moments later, I called into XXXX 20 times to be exact to correct the problem, and they stated they received a fraudulent check from me. I do n't even have checks and have always used online banking, ( which I 'm blocked from as well ) but the rude customer service rep in the fraud department stated that their was a check but it the check was n't written by me at all. XXXX XXXX has blocked me from all ways of making a payment, and I have lates on my credit from it ... XXXX XXXX is also aware of my difficulties of making payments because they blocked me from all forms of making 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 12/13/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (HI).
Issue: Loan servicing, payments, escrow account

Complaint: Seterus Inc. is continuing their harassment. I have already filed a complaint case # XXXX which was resolved but in their response to you they were completely misleading and just plain lied. What they did while they had the money they wrongfully had taken out is do a financial report and said there was not enough money in escrow and charged me more money to make up the gap. I demanded a new report be done now that you guys made them give the money back and have heard nothing since. Now they have changed the name XXXX the policy and say they can not talk to me because I do not have authorization for this account. I am and have always been the executor trustee for this account. I have all documents and so do they. If you need to see them please let me know where to send them. I have stated I do not want to do business with this company but have been forced to do so. This is wrong. I ask again how do I stop this? I am losing a lot of time and money dealing with this awful company. They must put me back as the authorized person to talk to and explain with documented proof of what they say made them change it in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Account opening, closing, or management

Complaint: Hi I have been banking with BankOfAmerica for the last 6 years and recently opened a new savings account last week Saturday over the phone with a banker. The banker requested my debit card number so she could make the initial {$25.00} deposit to open my account and the banker debited from my account twice which I have attached proof. I alerted her to the XXXX transactions and was told that it 's not processing on her end but it may show up in about 3 business days so I was told to wait until Wednesday which would of been the third business day until the transaction was processed and if not to call back in, we then went through the online e-banking process and she helped me to set up an online account. Tuesday of the following week I transferred {$250.00} to bring my account to a XXXX minimum so the {$5.00} monthly fee would be waved, by Wednesday I signed into my other checking account which was used to debit the XXXX charges of {$25.00} each and I noticed my account was credited {$50.00} back so I called my bank and was told that either BankOfAmerica cancelled, rejected or their could of have been a merchant error in processing the XXXX fees and bankofamerica did not receive any money. I then decided to transfer back XXXX from my bank to bankofamerica so I could bring my account to an even {$300.00}. A while later I checked my account to see if the money was received and while trying to login I was given an error message and a number to call. I called and reached a very rude and inconsiderate account risk customer representative and was told my account was closed and there is nothing I can do about it. I asked why and was told BOFA had the right to close my account without my permission and I am BANNED from life from ever opening an account with BOFA, it was a business choice and I am welcome to bank with another bank but it 's a business decision that we no longer want you to bank with us. I was appalled, shocked and hurt. I have been banking with you guys for the last 6 years because you guys are the closest branch to where I live. I went to the bank later that day and was told they could do nothing for me and my money would be sent out in a check to my home, at this point I do n't know who to reach at this point and everyone has continuously transferred me to the account risk department to be told the same thing but no one as actually cared or concerned themselves to help me resolve an issue and at this point no one is giving me a chance and I 'm just being kicked out of BankOfAmerica and forced to open up an account with a new bank. I would really appreciate any help 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 11/17/2017 about Mortgage (Other type of mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: I have been providing documents to Wells Fargo bank for the last five years trying to qualify for a loan modification and for five years Wells Fargo some reason or another keeps miss reading or mis documenting my file and every time because they miss read or misunderstand my documents they reject my loan modification request, for example the last letter of rejection that they send to me on XXXX XXXX, 2017 it was mailed to a wrong address and in that letter they gave me 36 days from the date of that letter to file an appeal for that decision while the letter was sent to a wrong address when I asked them to fax me a copy of that letter by the time I got this copy it was too late to appeal.
In that letter they mentioned the reason for the rejection 1- NPV saying my house is worth {$850000.00} where as my house is the most worth {$700000.00} 2-they mentioned my income to be {$9400.00} where my income that I provided documents to the bank is {$10000.00} per month, which it should keep my DTI at 37 %.
Every time I reapply for a modification the Wells Fargo find a way an incorrect way to reject my modification request where meanwhile my loan balance is going up and I am drowning under so much debt.
Wells Fargo has made up an attorney representation given to my real estate agent without my consent and has been refusing to speak with me due to that until recently that my real estate agent wrote to them questioning that decision and writing and asking to revoke that attorney representation and asked the bank to communicate with me. All these excuses to delay and reject my request for modification?
I would like to direct your attention to the attachment under attarney representation page 2 of 5 the reasoning for rejecting the modification request and the RMA attachment showing how much income I am claiming.

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