milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-06-2017 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Settlement process and costs

Complaint: We the American people will rise against you Ocwen XXXX, and we will bring you XXXX down. Ocwen XXXX can not control themselves, full of greed living in another planet. Totally incompetent! 

Ocwen Loan Servicing LLC, N.J. Super. App. Div. ( per curiam ) ( XXXX pp. ) Plaintiff XXXX XXXX. XXXX appealed an order dismissing his XXXX-count amended complaint for failure to state a claim. The appellate panel affirmed the dismissal with the exception of XXXX counts. Plaintiff filed the complaint against defendants Ocwen Loan Servicing LLC and XXXX as Trustee. The complaint alleged that over the course of 22 years, defendants engaged in a pattern of misconduct by refusing to accept plaintiff 's mortgage payments in order to claim default and file frivolous foreclosure actions against him. The first count surviving dismissal alleges that plaintiff made mortgage payments and paid insurance premiums over a lengthy period of time without receiving proper credit, defendants failed to pay real estate taxes funded by plaintiff 's mortgage payments, and defendants charged plaintiff for insurance premiums that were improper and never credited. Moreover, plaintiff could not challenge the alleged amount due because defendants dismissed the foreclosure action. The appellate panel found that this count alleges valid claim for an accounting and reversed the court 's order dismissing it. The second count surviving dismissal alleges that defendants engaged in a course of deceitful and unconscionable conduct in their efforts to enforce and collect the sums due under plaintiff 's loan. The actions alleged included failing to accept and credit plaintiff 's mortgage payments in order to falsely claim he was in default, and demanding payments for premiums and other purported costs that were improper. Those allegations were sufficient to state a claim under the Consumer Fraud Act that defendants engaged in unconscionable loan collection practices. The panel reversed the court 's dismissal of that claim. The panel noted that, despite defendants claims otherwise, loan collection efforts undertaken by the " lender or its assignee '' fall within the protections of the CFA.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Making/receiving payments, sending money

Complaint: My bank processed the same check twice, causing an overdraft. Then they charged me a fee for the overdraft.

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 08/14/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I had a credit alert from all of all credit reporting agencies ( XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX stating that XXXX XXXX inserted a collection in the amount of XXXX to XXXX XXXX XXXX. On XXXX XXXX XXXX I submitted a complaint to the Consumer Financial Protection Bureau asking for Verification and Validation that this account was mine. On XXXX XXXX, XXXX they responded with the attached letter. I also received a letter in the mail from XXXX XXXX stating that enclosed was verification that the account belonged to me. The supposed verification was what looked to be an old bill. This company has failed to provide me the requested verification that this account is mine. They have not present a sign contract bearing my signature or any type of photo identification. On XXXX XXXX, XXXX I got an alert that the collection was added to my report after this company failed to comply. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the  documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. I have never had an account with this company I have never spoken to this company and I do not have a contract with this company. This is an incorrect debt that Diversified Consultants has placed on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX 's client XXXX XXXX is a victim of ID theft ; her information was used without her consent to try and establish credit accounts. While the applications submitted were not successful the fraudulent related inquiries were posted to her credit reports. Among this are XXXX XXXX XXXX XXXX XXXX ), where a previous CFBP escalation has already been submitted ( see ref # XXXX ) and Comenity Bank ( XXXX XXXX ). Attempts have been made with these creditors to have these items removed however the creditors have no replied to my client with the results of the dispute as is their obligation under federal law ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/21/2015 about Debt collection (I do not know) with Pinnacle Credit Services, LLC (ME).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: Called them after the XXXX time fighting with them threw you guys this time they told me it is against the law not to pay them and they would not stop fighting me on it they will not provide me any written signed contract by me and also keep adding it back on XXXX after they have taken it off

Company response to consumer: Closed
Consumer complaint received 04/13/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MI).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen loan Servicing is dual tracking a short sale. There has been an offer on this property since XXXX XXXXXXXX. They have repeatedly asked for updated documents from the buyer, borrower and real etstae agent. Now they have put up a foreclosure sale date for XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Portfolio Recovery has been calling me since 2002. At first they told me I owed almost {$2000.00} on a closed out XXXX card and had to pay it, I asked what was purchased for that at XXXX and when. The could not tell me when it was purchased but the cost was {$79.00}. I then asked how it became almost {$2.00} and they said that it was never paid and that was the interest that accumulated until the account was closed. I told them it was paid for and they said I had to show them proof of payment. I told them I closed the account XX/XX/XXXX and had no more proof since I had gotten rid of all my old bills. Since then they keep calling me and telling me I have to pay them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-03-2016 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (FL).
Issue: Problems when you are unable to pay

Complaint: CHARGED OFF ACCOUNT THAT WAS PAID IN FULL, IS NOW BEING REPORTED WITH A BALANCE, SEVERAL COMPLAINTS HAVE BEEN MADE AND NEVER RESOLVED WITH A CONTINUED " RE-AGING '' OF THE ACCOUNT TO SHOW THAT A BALANCE IS BEING OWED.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Mortgage (Conventional home mortgage) with Fay Servicing, LLC (OK).
Issue: Struggling to pay mortgage

Complaint: ON XXXX XXXX 2017 I WAS LAID OFF FROM MY JOB. I IMMEDIATELY CONTACTED FAY SERVICING TO REQUEST LOSS MITIGATION. ON XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX AFTER WINNING MY UNEMPLOYMENT I SENT FAY SERIVICING CHECKS THRU MY BILLPAY THRU MY BANK. FAY SERVICING HELD THOSE CHECKS UNTIL THEY FOUND OUT THAT I HAD A PAPER TRAIL AND THEY FINALLY CASHED THE CHECKS ON XXXX-17. THURSDAY XXXX XXXX, 2017 I RECEIVED A LETTER THAT MY LOSS MITIGATION APPLICATION WAS COMPLETED. ON FRIDAY XX/XX/XXXX I RECEIVED A LETTER FROM FAY " INTENT TO FORECLOSE '' DEMANDING XXXX DOLLARS FROM ME. FAY SERVICING HAS CAUSED ME SO MUCH STRESS AND PUT ME IN DISTRESS. I AM NOT SURE HOW FAY SERVICING CAN FORECLOSE ON ME WHEN I AM NOT BEHIND ON MY PAYMENTS AS WELL AS IN LOSS MITIGATION. I ISSUED A HALF A PAYMENT THRU BILLPAY FOR XX/XX/XXXX THRU MY BANK. FAY SERVICING WILL HOLD THAT CHECK LIKE THEY ALSO DO. I AM HOPING SOMEONE CAN HELP ME FIGURE OUT WHY I AM IN FORECLOSURE STATUS WHEN I AM NOT BEHIND ON MY PAYMENTS. AT THIS TIME I AM UNABLE TO SCAN ANY DOCUMENTS SO I WILL FAX ALL DOCUMENTS TO CFPB TOMORROW

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Account opening, closing, or management

Complaint: Merrill Lynch lists an account by my name with an assigned number for me -- XXXX -- within my online " ML '' account summary/log/record but it 's never on my ML bank statements ... The suspicious thing : " account closed '' balance " XXXX '' since when? No check was ever sent to me for XXXX XXXX dollars : despite the several different [ real ] reasons why/how/when the account balance should be or was XXXX XXXX dollars [ US ]. There are no listings of transactions/activity or when it was allegedly closed. So? There has to be a legitimate inquiry -- investigation -- for ML to fully disclose. ML bought BOFA XXXX : Bank of America " BOFA '' then bought Merrill Lynch ... ML took over long standing BOFA accounts valued at greater than {$100000.00} and then those accounts were quickly reassigned to BOFA sans the funds exceeding the FDIC limit [ at that time ] and/or sans funds completely!? In my case : ML says completely XXXX And since when? ML does -- has refused -- not say. ML must return any/all actual account value to me : the real account balance fro XXXX must be disclosed to me and I must be allowed access to those funds and any interest earnings on the funds must be attributed to me for my use exclusively.

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 05-08-2017 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I have an auto loan with  Capital One Auto Finance.  I n     XXXX   XXXX   2016 I ra n into a financial hardship. I normally pay my auto loan from   XXXX  of   XXXX    accounts connected to  Capital One 's  back office. However, both of these accounts were unable to cover my outstanding balance. My auto loan payment is approximately {$550.00} per month and I had an outstanding balance of {$100.00}. I To cover this balance and prevent my account from falling into delinquent status, I connected another account. However, during the process I inaccurately entered the account information causing the {$100.00} payment to be returned. After realizing this error, I submitted a payment of {$100.00} to correct the error. However,  Capital One  reported my account as 30 days late to the credit bureaus, which has adversely affected m y credit score.      I reached out to  Capital One via  phone and explained my situation to the representative who assured me they would look into my account.  Little did I  know they would only be submitted a dispute to the bureaus, which prompted an inquiry by Capital One and confirmation of the delinquency on my record. This is not what I was trying to initiate, as I understand that it was user error on my part that caused the issue.     I wanted  Capital One to r emove the delinquency in  Good Faith  as I corrected the issue and have never been late on my payment with them before. In addition, I have a previously paid off loan with  Cap One. So  after not receiving any assistance I reached out to the   Executive Office via email.
A representative with the executive office called me and assured they would look into the situation and call me back within 48 hour  s with a resolution. They did not ... I had to call again and a rep informed me that they would not be able to assist and that  Capital One DID NOT issue Good Faith corrections. This is false, as there are many examples of Capital One  working with their customers who have run into hardships. So I do n't understand why they would take a hard line with someone who uses both their auto and credit card services faithfully.     After receiving the turndown via phone, I reached out by mail to express my displeasure with their service and received a form letter stating that they would no longer be able to assist me in the process. Thi s one mistake on my part has lowered my credit score by over   XXXX   points. I am highly  disappointed as longterm customer and would appreciate a bit of commonsense and fairness with my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KS).
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: On XX/XX/XXXX I faxed a letter to Experian because I noticed unauthorized and fraudulent credit inquiries made by the following companies 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX To XX/XX/XXXX 5.  XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8. XXXX XXXXXX/XX/XXXX 9. XXXX XXXX XXXX XX/XX/XXXX On XX/XX/XXXX I faxed an additional letter to Experian because I noticed unauthorized and fraudulent credit inquiries made by 1. XXXX XXXX XXXX XX/XX/XXXX I asked for validation of this information with these companies and asked that they provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. I also requested, in the absence of any such documentation bearing my signature, that these fraudulent inquiries be immediately deleted from the credit file they maintain under my Social Security number. After receiving no changes to inquiries, on XX/XX/XXXX I sent a second letter via certified mail. I received correspondence from the credit bureau dated XX/XX/XXXX and again dated XX/XX/XXXX but no changes to inquiries were made.

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 05-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SYNCHRONY FINANCIAL (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Account is for XXXX XXXX account # XXXX. This account is not mine. Account belongs to XXXX XXXX and is XXXX years old. I hired an attorney for this. A certified mail letter was sent to XXXX XXXX asking for validation of the account. The USPS Track # XXXX XXXX XXXX XXXX XXXX was delivered on XXXX XXXX, XXXX at XXXX XXXX. XXXX XXXX failed to respond to the validation request. Twice since then, once in XXXX and once in XXXX, XXXX XXXX continued their collection activity by updating the account to XXXX as being accurate when I disputed the account through XXXX. When I called XXXX XXXX, they told me the account was being handled by an attorney and gave me the local attorney 's phone number. When I called the attorney, they said they no longer have the account - that the account has been returned to XXXX XXXX. For 3 days I have spent XXXX hours a day on the phone with XXXX XXXX and no one can help me clear this up. I can not even find a representative of XXXX XXXX who is willing to talk to me about the account. Every representative of Asset Acceptance I get on the phone says that I must speak to someone else and I can NEVER anyone who is " authorized '' to speak about the account. 

Bottom line is they will not or can not validate the account. It is not mine AND it is over 7 years old and they will not cease reporting to the credit bureaus! 
I am demanding that they immediately remove this account from the XXXX Credit Bureau. 

XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Social XXXX DOB : XXXX/XXXX/XXXX XXXXXXXXXXXX

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 02/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with GULF COAST COLLECTION BUREAU, INC. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I contacted Gulf Coast Collection Bureau ( XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX ) to receive information about a collection amount reported on my credit report that I do not recognize and that is said to be related to attorney fees. After giving the information I found on my credit report to the representative, she could not locate any account or data linked to account # XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Automotive Management Services, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have a hard inquiry for XXXX XXXX XXXX on X/X/17 as well as XXXX XXXX also on X/X/17 which does not make sense as I have had a lease with XXXX now for 5 years.

Company response to consumer: Untimely response
Consumer complaint received 04/17/2015 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX/XXXX/XXXX I ordered a copy of my XXXX credit reports. I saw that so many items regarding my XXXX Mortgage were incorrect and not updated for 6 years!!!. I sent what all the errors to be corrected were to my " Mortgage Servicer " and they told me to send my corrections to my loan " Owner '' My Servicer is PHH Mortgage Service Center and my loan Owner is XXXX. XXXX told me that all that should be taken care of by The Servicer ( PHH Mortgage ) ; I am being sent in circles. 
Who is responsible for updating any information regarding my loan : PHH or XXXX?? 
Note : My Mortgage was granted a loan modification in XXXX of XXXX I can not get an answer and in the mean time my credit takes a hit because a lot is not in my favor but still incorrect. I see this as simple creditor neglect.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Payoff process

Complaint: XXXX XXXX - I paid off my Sear card balance of {$700.00} XXXX XXXX - I buy supplies at XXXX to replace my kitchen sink {$120.00} XXXX XXXX - I make a payment of {$330.00} to payoff the supplies and kitchen sink purchased online XXXX XXXX - The XXXX 's charge for the sink is posted {$210.00} XXXX XXXX - My most recent payment is not posted. I am charged finance charges. 
XXXX XXXX - I call Sears to see what has happened. Support is poor. They can not accept a pdf copy of my receipt and do n't answer the fax number they gave me for the fax copy. I call CFPB online to report shenanigans!

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 03-04-2016 about Debt collection (Non-federal student loan) with WELLS FARGO & COMPANY (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Wells Fargo Bank uses an automated phone system to dial every number on an account. They will non-stop if the system shows a debt owed. This is not a normal phone call. The phone calls come at all hours of the day, and if you pick up it hangs up immediately. It never leaves a voicemail. These phone calls, while illegal, are also only a result of chronic problem with Wells Fargo. They never updated my street address, routed payments to the wrong account, and refused to acknowledge the issue resulting in a faulty past due balance on a loan. There is gross negligence going on in the operations department of student loan servicing at Wells Fargo. By the sound of it even the customer service rep had no idea that the phone calls were of such an abusive nature.

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 11/28/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (CA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: They say I owe money but I bought there credit protection which was suppose to take care of the whole amount because I was out sick for awhile. Then all of a suddent they keep calling me, threatening me, using bad language. I have kids and they are hearing some of this.

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 06/16/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (FL).
Issue: Money was not available when promised

Complaint: I wired money from m y    XXXX   XXXX   XXXX   account to my account on  XXXX , a division of Coinbase , Inc .   That was 5 days ago, the money is neither in my bank account or in my account at  Coinbase.  After  XXXX  attempts to reach out to Coinbase/ XXXX  via multiple support channels  (  XXXX ,  XXXX ,    Support Ticket,  Email, Community Forum ) I have gotten only one automated response, no human response to my request for my funds in one form or another. This seems to be a pattern with Coinbase according to many form posts. I would avoid doing business with them in the future. They are in clear violation of their terms of service.

Company response to consumer: Closed with explanation