milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/28/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Trouble during payment process

Complaint: Residence fell behind while husband was critically ill in XXXX.For months I tried to get Ocwen to allow me to modify my loan and they refused for a year. They " lost '' paperwork over and over that I sent. When they finally allowed it ( after I retained a lawyer ), I paid all the excelerated payments they asked and THEN they refused the last one and said over XXXX was due to reinstate the loan. I have done EVERYTHING requested. In this time, my husband died and I also was trying to get the home titled to me. We were married over 50 years. They have asked for lots of information, which I have sent, MULTIPLE TIMES. I have copies AND I sent info certified. They keep insisting I do n't send the things requested but I have a record. Their tactic is to delay and then take a person 's home. If I have to sue them, I will. They will NOT get my family home. They have stolen, lied and act UNETHICAL over and over. I want the home in my name, I want them to adjust the payments back to what they were, take my payments and leave me the XXXX alone. Do Something about these Crooks! My last letter from them is dated XXXX/XXXX/XXXX ( they are again asking for things " missing ''. But these items WERE included in previous pkg. I have a copy!! ). I now have only missed payments because they have Refused it. I will file bankruptcy if needed, they have had plenty of opportunity to allow for modification ( if anyone needed it, an elderly woman, with deceased husband does ). They have only exacerbated ALL THE PROBLEMS.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2015 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My credit report lists an incorrect " 90 days past due '' payment to the department of education for my student loans from XXXX 2012. I had made payments during that time to the new loan servicer ( " XXXX XXXX '' ), and have proof of these payments, so would like this incorrect information to be removed from my credit history.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Originally I took out student loans through XXXX XXXX but my current loan provider/carrier is Navient. When I first got out of college, the people from XXXX XXXX would call me and demand outrageous amounts of money for a monthly payment. They essentially wanted 30 % + of my monthly income and it was n't a payment that I could make. They were completely uninterested in the amount of money I was making, only the amount that I owed. This forced me to miss payments and put my loans into forbearance multiple times, something that has dramatically increased the principal of my loans and negatively effected my credit score severely. At some point, Navient came into the picture, and they seemed more reasonable when working out a realistic payment with me. They set me up on a payment plan of approximately $ XXXX but I never realized that this was not enough to cover the interest alone and that none of it was going to my principal - the principal is actually still growing as I 'm making these payments so I owe more money now than I did when I first signed up for this repayment plan, even though I have n't missed any payments. The plan I am on now takes 15 % of my gross income and I am to pay for 25 years. I was originally told that I would be on this plan for 10 years before I was eligible for loan forgiveness but I have recently learned that this option is only available to employees of non-profits and public service companies, which I am not. Today I learned that, all along, there was another payment plan I could have been on where they only took 10 % of my gross income for 20 years before I was eligible for loan forgiveness and that they " apologize for no one bringing this to my attention previously ''. Simply put, this new plan would theoretically have Navient taking less money from me per month for fewer months, essentially yielding them much less money in the long run, and the woman I spoke with could n't provide me with any information as to why I was n't on this plan all along. I do n't understand why they would have even offered me the higher plan without letting me know there was another option that would cost me less and I do n't trust their explanation. I am afraid that this plan will hurt me in some way and that the woman I spoke with on the phone at Navient just was n't able to explain it to me, or refused to explain it to me. The plan I am on now is increasing to $ XXXX in XXXX of XXXX and literally has me making this payment for essentially the rest of my life without ever touching, let along decreasing, the principal of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: It was brought to my attention a few weeks ago that i had an account in collections. I contacted XXXX XXXX that same day to see why they were reporting that I was in collections. I was hesitant to give them my personal information because of all the scamming going on.I gave them my name and nothing came up.I then gave them my address and got the same results ... .nothing.I gave them only my last four of my ssn and they found it.I then discovered why they could n't find me, all the info they had was incorrect except for my ssn.I told them i wanted it disputed right away. I was told to was 60 days for a response.I cant wait that long, its ruining my perfect credit. I 've call every week since and still no updates.They just hang up when I ask to speak to a supervisor!!!!!!

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has irresponsibly mishandled my information not putting enough security measures to protect my sensitive personal information, which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
They should be giving us free credit freeze and extended fraud alert.
Although it seems that those with our personal information would be able to get a PIN number to unfreeze the Security Freeze so Equifax has messed up big time here.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (LA).
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: I am disputing the accounts w ith AMERICAN EXPRESS   XXXX  AND  XXXX  I have reported the account with fraudulent activities I requested your company to review the account balance at  XXXX  &  XXXX  I never used that amount of my credit LIMIT someone got my credit card information and used my credit limit to the point where I had to close the account I should not be responsible for the charges from the months of  XXXX  2007  and  XXXX /2007. I have provide your company with the FTC AND POLICE REPORT ABOUT THE ACCOUNTS LISTED

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: i filed ch XXXX on XXXX of 2007 but withdrew it on XXXX of 2007 so it was dismissed not discharged XXXX ago equifax still keeping it on report, but info not correct. they say current disposition chXXXX, then prior disposition chXXXX i never filed a chXXXX.

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

Complaint: The current situation regarding the security breach with Equifax is unacceptable, and proves rampant incompetence on their part. Equifax mishandled my personal and private credit information, and blatantly refused to protect the information of myself and millions of Americans. Not only this, but I found out via social media, and not by Equifax directly, which I take direct offense to. Per the equifaxsecurity2017.com website I am one of the people 's whose information has been stolen, which I solely blame Equifax for.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NM).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: XXXX/XXXX/2015, XXXX MT, XXXX, showing as Private Name on home phone, called and asked for XXXX. I replied " You have a wrong number, '' and hung up. 
XXXX/XXXX/2015, XXXX MT, XXXX, called my cell phone. A nasty toned female rattled off supposedly her name and some supposed id number. She mutilated my name and wanted me to '' tell XXXX to call '' her " today. '' I told her she had no right to call me. She replied that she could call me on any number she wanted to. I told her I did n't know who she was. She raised her voice and said 'of course I did, she had already identified herself and told me she was from Navient. ' I told her I 'd been the victim of the IRS and Anthem hacks. She attempted to talk and yell over me. I hung up. 
I cosigned a private loan and have XXXX XXXX loans associated with my daughter XXXX. All XXXX loans are current. If this was a valid Navient phone number and Navient representative, Navient had no business calling me and demanding that I call or contact my daughter ( or anyone, for that matter ) regarding anything that I am not personally responsible for. This is harassment, bullying, and unprofessional conduct and activity. In addition, years ago XXXX directed XXXX XXXX to remove my name from all her federal and private loans ' contact lists. They supposedly did, but now Navient is calling. Why is n't Navient abiding by XXXX XXXX 's supposed " word '' not to call me?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MI).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: XX/XX/XXXX, a XXXX XXXX sales associate told me I qualified for an upgraded XXXX XXXX credit card. I previously had an in-store use only credit card for XXXX XXXX. She did not detail that the upgrade would be a different credit card ( XXXX ) and only asked me to answer one question ( income ) and provide my license. I did not receive a new credit card in the mail. I did receive a new bill with the XXXX logo on top. I called to make a payment and asked about the CC on file. They apologized and said this is a common issue. Sales associates are not providing full details that the customer is signing up for a new credit card. I immediately paid the bill and requested it was cancelled. In XX/XX/XXXX I received a new bill which showed I had made a Payment and there were no purchases, fees or interest charged ; however, I had a new balance of {$2.00}. I called, spoke to an agent and was told they would ensure the card was correctly cancelled. This month ( XX/XX/XXXX ) I received another bill which again showed I there were no purchases, fees or interest charged ; however, I had a new balance of {$2.00}. XXXX XXXX has mislead consumers. I have now requested three times to have my CC cancelled and yet they will not close it.

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 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Equifax sent an email X/X/17 that the results of my dispute were available for viewing online but every time I try to view it the system is down for maintenance. It has been this way for days. Furthermore I am unable to submit a new dispute or check the status of an existing one online.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (MS).
Issue: Struggling to pay mortgage

Complaint: Citi Mortgage ac # XXXX XX/XX/XXXX- I ( XXXX ) contacted Citi Mortgage seeking financial hardship assistance because of my job loss in XX/XX/XXXX. I was told XXXX and I could n't refinance even though we had XXXX in equity of this home. Then Citi Mortgage told us the only way we could get a loan modification was to fall behind XXXX months to even be considered. Therefore, we fail behind and applied for a loan modification multiple times between XX/XX/XXXX - XX/XX/XXXX with Citi Mortgage to never get approved. All required documents were Faxed and certified Mailed multiple times and I was continually told- that documents were missing. Citi Mortgage continued to add on late fees and service fees, escrow shortage and they increased our monthly payment causing more financial distress. XXXX and I continued to catch our Mortgage payments up during this XXXX year span draining our XXXX accounts, savings and any income we could fine to save our home. Citi Mortgage sold our mortgage to XXXX in XXXX XXXX. And at this time send us a letter stating that our Mortgage XXXX is complete and all of our documents will be forwarded to XXXX. That nothing else is needed to begin process. XXXX said they never received any documents concerning a Modification and we would need to start over.

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 09-10-2017 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: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TENET HEALTHCARE CORPORATION (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have several accounts that were included in my XXXX and they are still showing delinquent. 
XXXX. XXXX XXXX closed XXXX balance XXXX XXXX. XXXX XXXX XXXX closed XXXX Balance XXXX XXXX. XXXX XXXX XXXX closed XXXX XXXX XXXX XXXX. XXXX XXXX XXXX closed XXXX Balance XXXX XXXX. XXXX XXXX XXXX closed XXXX Balance XXXX I called XXXX and was told they wont remove these items even though they are closed with a XXXX Balance and leaving them as a derogatory mark in my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filled banckruptcy in 2013 and all my accounts were erased but XXXX, XXXX XXXX XXXX. With bankruptcy it should have been disputed but now it is affecting my credit score. Other than this what can i do?

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 10-05-2016 about Debt collection (Medical) with JDJ Investments, INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Insurance paid medical bills

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of the recent XXXX XXXX XXXX account scandal. I have tried working with XXXX XXXX to fix the issue and have had no success. They have no proof that the account belongs to me. 

I am now requesting that ChexSystems remove entries from XXXX XXXX because XXXX XXXX is unable to Prove any accounts ever owned by me related to my ChexSystems report. 

I am now requesting that ChexSystems remove XXXX XXXX from my ChexSystems report. I have never been a customer of XXXX XXXX. 

PLEASE COMMUNICATE BY MAIL ONLY IF YOU ARE READING THIS COMPLAINT ChexSystems And XXXX XXXX Bank. Do not call 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 10-05-2016 about Student loan (Non-federal student loan) with AES/PHEAA (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Every time that I make large payments to my student loan account, the lender applies the excess to " future interest payment '', thus pre-paying interest rate for future months instead of applying any excess payment to my principal. Even when I make XXXX large payments in consecutive months, the lender applies any excess to " future interest payment ''. They are really hurting me because I make such large payments to quickly payoff my outstanding principal to find out years later of such unethical practice.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Confusing or missing disclosures

Complaint: A person sent me money around XXXX on XXXX/2017 through BANK OF AMERICA using an application. ( XXXX ). I tried to log in that app and asked me to input " Authorization code ''. That code came in my email later that day at XXXX XXXXXX/XX/XXXX which was expired after 10 minutes without any other notice. I try again and again without receiving any response or a new code. I called them at XXXX the same day to find out that the sender has to cancel the transaction and find an other way to send the money. Needles to say it was important to have that amount on time and it costed to me extra. The customer service prompted me to create an account for the application ( knowing I did n't have any internet access at the time ) instead to my opinion find an other way to solve my problem.

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 08-02-2017 about Debt collection (Other debt) with ERC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I made an agreement on a pay to deleted with Enhanced Recovery Collection. I paid the debt over two years ago and they were to send all 3 credit bureau a letter to have this account removed from my credit report. As of today is showing as a negative collection on XXXX, which is affecting me trying to fix my credit score and report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Student loan (Federal student loan servicing) with ECMC Group, Inc. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I paid off all of my student loans ; however I am being harrassed by XXXX for payment of a student loan. I have requested via online submission for this collection agency to provide me with the originating contract and lending information but they refuse to send me the requested information. This is a clear violation of the FDCPA and UDAAP as I did not have many student loans ( as I received a XXXX ) and the ones I did have were paid off ( final payment made about a year ago ). I was in school several years ago graduating in 1993 and I do not recall having any other loans then the standard federal loans that I have paid in full. Instead of XXXX providing me with the origination documentation they sent an email stating to contact them as they can possibly garnish my tax return or other federal payments. Please assist me with obtaining the requested information and to stop the harassing phone calls.

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 02-09-2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Equifax has failed to give me Verifiable proof of the accounts listed in their report.

Company response to consumer: Closed with explanation