milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-01-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint: I do not want to be a victim of identity theft and I do not wish to receive any offers of credit in the mail or email. Please help me in stopping them. Thanks. XXXX XXXX

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 05/18/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Closing on a mortgage

Complaint: In an  OCWEN LOAN SERVICING, LLC, Loan N o. :  XXXX , Borrower named as  XXXX   XXXX   XXXX ,  XXXX , Address :  XXXX   XXXX   XXXX ,  XXXX , CA  XXXX .  OCWEN was the Servicer and  failed to inform me of the name of the lender for the following years . OCWEN has  refused to reveal the name of the lender.     Question #  1  : In the year  XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note?   Question #  2  : In the year  XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note?   Question #  3 :  In the year  XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note?   Question #  4 : I n the year  XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note?   Question #  5 :  In the year  XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note?   Question #  6  : In the year  XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note?   Question  # 7  : In the year  XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note?   Question # 8 : In the year  XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note?   Question # 9 : In the year  XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note?   Question #  10 : I n the year  XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note?   Question  # 11  : In  XXXX ,  LITTON (   now OCWEN )  alleged it received a " pay off '' from   XXXX   XXXX    LITTON  were statutorily required to inform the lender regarding the payoff and the note returned to  XXXX   XXXX   XXXX   XXXX   XXXX , the borrower.  XXXX   XXXX   XXXX ,  XXXX  did not receive reconveyance of the deed. R equire LITTON ( now OCWEN ) to subm it the note to  XXXX   XXXX   XXXX ,  XXXX .     Demand #  1 Require OCWEN LOAN SERVICING, LLC to produce the Accounting of this loan, from the originator to the p   resent holder of the note.
Demand # 2 OCWEN   alleges that a foreclosure were conducted on this account ; Question : Reconvey the note to the Trustors immediately as " paid in full. ''

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Credit card () with JPMORGAN CHASE & CO. (MD).
Issue: Unsolicited issuance of credit card

Complaint: I recently received an unsolicited Amazon.com Rewards Visa Card in the mail issued by Chase Bank VA, NA. The card has moderate to generous reward options. I subsequently received a letter in the mail from Chase ( again unsolicited ) referring to the issued card saying they would need more financial information in order to approve me and that I was to call XXXX with a Reference Number. I am not sure if this is a XXXX XXXX type incident where someone is getting bonuses for issuing cards, a spear fishing style scam or if my ID was compromised but in either case it is concerning. I did call Chase Bank to cancel this card and inform them of my concerns ( not revealing any of my financial data ) but they told me to call back tomorrow to XXXX which on reverse lookup is listed as an unlisted mobile number - not calling it.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Debt collection (I do not know) with Northstar Location Services, LLC (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have been having numerous calls from Northstar Location services regarding a debt that is not mine. Somehow they obtained my phone number but they are calling about a debt that belongs to someone else. They have not mailed me any information regarding a debt owed. My guess is that it is for someone else with the same last name but they have been unwilling to research that.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Problem with fraud alerts or security freezes

Complaint: Because each credit company will charge me each time I freeze/unfreeze my accounts and because I now need to regularly freeze/unfreeze my accounts because of Equifax 's egregious security failure/breach, I need a letter from Equifax stating I was affected by the breach, so I can upload it to Experian, who said they would provide me with freeze/unfreeze access for free for 5 years. However, when I went onto Equifax 's website, there is no place to request such letter and no email address or other electronic means of requesting one. I need this letter as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2017 about Debt collection (Medical) with Mid-America Accounts Control Bureau, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from MID-AMER ACCOUNTS CONTROL I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against MID-AMER ACCOUNTS CONTROL in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity XXXX. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Debt collection (Non-federal student loan) with WELLS FARGO & COMPANY (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Filed Bankruptcy XXXX/XXXX/2015, Discharge was XXXX/XXXX/2015, I a a co-signer on my children 's student loan with Wells Fargo who was listed as a creditor. Now after the discharge Wells Fargo starts to send mail and starts contacting me by phone again. In speaking with my attorney it was said that all creditors listed in the Bankruptcy was discharged. Wells Fargo states in a letter dated XXXX/XXXX/2015, that when signing the Loan Request/Consumer Credit Agreement I certified that the loans would be used to pay for qualified higher education expenses and under the rules of the XXXX Bankruptcy Code, loans for qualified higher education expenses are not automatically discharged in bankruptcy. From my understanding it was told to me by my attorney that private loans can be discharge which Well Fargo Bank is. I am not able to pay this debt this is my reason for filing Chapter XXXX. I do not want Wells Fargo contacting me under any circumstances.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/17/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was a victim of ID theft, I followed legal procedure by filling an FTC Fraud affidavit and also filing a report with Law Enforcement Agency. I then forwarded these docs to all XXXX credit bureaus, indicating which accounts resulted from said ID theft and complying them to remove these accounts. XXXX & XXXX complied and removed, Experian did NOT! Even after repeated attempts to enlighten them as of their legal obligations. I am thereby forced to escalate this issue to your level, I hope you 'll be of assistance. In summary, please request Experian to remove and delete entirely from my report the following XXXX accounts, 1 ) XXXX Account # XXXX 2 ) XXXX Account # XXXX. This needs to legally be done withing " 4 '' days of receipt of dispute and attached paperwork proving it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (TX).
Issue: Problems when you are unable to pay

Complaint: I had an auto in 2007 from Wells Fargo. They repossessed the car when I I lost my job. They charged it off after I was still paying them. they sold the car for more than what I owe. 
Now they reaged the account and keep adding more to the fee all of these years later. They are reporting false information on my credit. I asked them to send me validation and a copy of the bill of sale showing how much they sold the auto for, but they just ignore 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 05-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (MA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was a XXXX customer for XXXX years. I contacted them to at the latter part of a contract renewal to upgrade to XXXX. The technician came and installed used standard boxes ( XXXX ) and left the existing dish ( standard ) on the roof stating it was fine. I notified XXXX of these aforementioned events and they sent XXXX different technicians to remedy problem over the course of XXXX weeks. After reaching a new high point of anger I cancelled service and sent all equipment back. XXXX was paid to date for usage and went with XXXX. XXXX started billing me for the remainder of the contract for which they breached. After several attempts to remedy the billing issue they sold the debt to a collection agency who also was unsuccessful in their attempt to collect what I feel was not my debt. This company called XXXX times a day on my residence, business and cell phones. They chose after 3 years to post the debt. I am the victim of an unscrupulous employee of XXXX and I have to fight a battle for my innocence. I feel this is unjust and was told to contact the CFPB on this matter. I feel I have a pretty good credit rating and for this company to be allowed to post this just does not seem right. Thank you for your time on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Settlement process and costs

Complaint: Georgia Dept of Bankingand finance have refusedas to date to take my caseand to investigate this fraudagainst my name for thepast 6 years or so. 
Georgia investigators havenever replied to mymultiple complaints which Ihave filed with them for thepast 6 years.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Mortgage (Home equity loan or line of credit (HELOC)) with BBVA COMPASS FINANCIAL CORPORATION (AL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: RE : Discharged home equity line of credit with BBVA Compass Bank We have an account with BBVA Compass Bank that we have been trying to get some information on. Back in XXXX my ex wife and I filed Chapter XXXX Bankruptcy. The bank chose to NOT reaffirm the loan. Since XXXX we have been attempting to make payments not realizing the loan was n't reaffirmed. We have made multiple calls to BBVA Compass customer service and corporate BUT we CAN NOT get anyone to give us any information regarding the status of our account. Because of the status of that loan, we have to speak directly with someone in the banks bankruptcy department. We have called that department multiples times and CAN NOT speak with a representative. It goes to a voicemail stating someone will call us back. As of today, no one has returned our phone calls. My ex-wife is attempting to refinance our current residence but we are STUCK because we ca n't get the information we need from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: These are Doctor Bills that have been paid for buy insurance and the way they Discriminated against me I considering suing them for malpractice.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Diversified Consultants, Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hi I have called ans sent multiple inquiry removal letters and called to the companies listed and to XXXX XXXX. I had a fraud alert placed on my credit file that indicates anyone who runs my credit would need to call me and that was n't done and that violates my rights as a consumer .I have reached out to the credit bureau on more than one occasion to advise them of my credit being pulled without my permission. And nothing has been done XXXX XXXX XXXX  I XXXX XXXX XXXX # XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX DIVERSIFIED CONSULTANTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX Permissible Purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX Permissible Purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (OK).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Fedloan Servicing, a Department of Education Servicer stated that my student loan payments in XXXX 2016 and XXXX 2016 were returned due to " insufficient funds. '' This is not accurate since bank statements in XXXX, XXXX, and XXXX 2016 reflect the payment deducted from my bank account and never returned. In addition, there were zero insufficient fund ( s ) fees attributed to my bank account. I have provided full monthly bank statements to Fedloan Servicing and was told each time that the documentation was not thorough. My calls were escalated to a supervisor named " XXXX '' ( employee id # XXXX ) who stated all that was required was full monthly bank statements indicating all debits/credits including the deduction of my student loan payment during these months. Recently, XXXX stated the processing department would more than likely deny the bank statements since they did not include full account balances. The bank I use does not provide full account balances on their monthly statements. I provided the necessary documentation originally requested and have complied with all requirements. The bank statements for the months in question prove the student loan was deducted from my bank account and never returned. There are zero insufficient fund ( s ) deductions as well.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: On Tuesday XX/XX/XXXX 2017, I contacted Trans union regarding a copy of my Credit File received by me. The entire conversation was meaningless. The person I spoke with was not fluent in English and was very hard to understand. The entire conversation became very difficult and I eventually hung up the telephone. First and foremost, I do not like the ideal of Trans Union changing dates from the original date in which a Collection Agency reports to Trans Union.  Just because the original creditor keeps selling the debt to different Collection Agencies gives Trans Union no reason the change the original reported date. By handling the situation in this manner will only continue to have the reported amount linger on the report much longer than the original stature of seven ( 7 ) years from the dated it is reported. In disputing the creditor XXXX XXXX XXXX # XXXX Amount {$750.00} From XXXX XXXX XXXX XXXX Hospital, I ask for this agency to provide me with a copy of a statement of items to link me to the bill of & XXXX. All Account Resolution Service Accounts # XXXX were asked by me for Trans Union to ask for a copy of statements of listed items linking me to the bills listed. XXXX, the person I spoke with said he could not ask the Collection Agency for what I was requesting. I asked why? I have asked for theses documents upon several occasions and was brushed off as if this was not important. I personal contacted XXXX XXXX XXXX regarding account # XXXX amount {$680.00} for documents with my signature to be mailed to me. I was told that I was not getting any such paperwork and I needed to pay the bill. Maybe I will if indeed their is paperwork with my siguture attache to it. I also noticed the XXXX XXXX account is in good standing, but separated from the Satisfactory accounts listed. I would like that to be corrected immediately. XXXX seems to to have too much extermination to correct the items on a credit report without letting the Agencies take care of the request themselves. I have reason to believe he feels he has to help the Creditors in some way, and they need to be protected. I remind him he was in Customer Service to provide a service to the Public,  not to make decisions that is not in his Scope of Responsibilities. If I am accused of having accounts reported to the three Credit Bureaus and feel that information is not true, then I would ask for proof.

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 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: To Whom It May Concern : A system error has resulted in a negative credit report that I hope to get amended. 
I leased my car in XX/XX/XXXX and was making timely payments through XXXX ' own online auto-pay function. All payments were credited on time with no issue. An internal error resulted in two payments being pulled for XX/XX/XXXX.  Subsequently, I suspended the XX/XX/XXXX payment. A second internal error cancelled the auto-payment function with NO notification. As you can imagine after 2+ years  of automatic payments, I did not check. There was absolutely no email, phone or written contact by XXXX. 

XX/XX/XXXX I received the first contact from XXXX that my payments were now late. Immediately the balance was cancelled and set up to date. Unfortunately, despite not receiving a call, email or letter prior to this my credit report was negatively impacted. I reached out directly to XXXX to attempt to clarify the situation but they were no help. 

Once my records are reviewed you will notice I have worked very diligently to make timely and responsible payments and maintain a clean credit report. I am aware that there are individuals that intentionally miss payments and try to manipulate the system. I would not be wasting my time or your if this were the case. Please remove this negative report from by credit score as I should not be faulted for a system error.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX XXXX I received an injury while at work. for over 16 months I was off work I was able to receive my full salary for 12 of the 16 months once that stopped I started to receive Workman comp. which was far less than what I was making. I then started to fall behind in house notes. On XXXX XXXX XXXX I received a XXXX retirement from my employer as a full time XXXX on a XXXX XXXX Retirement Benefit, with a monthly allowance of XXXX % of what I was making. because of this hardship no fault my own I can no longer make my monthly house note as what they are now. I have been going back and forth with my mortgage lender Nationstar Mortgage LLC. They ( Nationstar Mortgage ) has wilfully failed in its obligation, under HAMP, in assisting me to receive a Home Affordable Loan Modification by purposely using deceitful methods, inaccurate salary numbers, false credit reports practices to deny my request for a HAMP loan.I appealed this unfair denial with Nationstar Mortgage LLC and they used these same deceitful practices to approve a HAMP loan that I still can not afford to make on my XXXX allowance. My XXXX allowance is XXXX % of what I was making before I got injured it is non-taxable. NationStar states that all non-taxable income under HAMP is grossed up to XXXX %, not XXXX % which is the standard, to a total gross income in the amount of {$4600.00}, my monthly XXXX allowance is {$3600.00} a difference of {$920.00} that I am not making and Nationstar Mortgage LLC then based my monthly house note on this false income and expect for me to be able to afford the new payments. If I applied for a loan with Natiostar Mortgage and used the income of XXXX a month and when it came time for them to do income verification and I submitted pay stubs with my real salary of {$3600.00} they would deny my loan based on false income. They would not just let me gross up my income because they know that I would not be able to pay them on money I am not making. But they expect for me to be able to pay them on money that I am not making? Nationstar Mortgage LLC has also flat out wrong financial debt that they said I have in the amount of over {$4000.00} a month which is a Lie. I have submitted to them at least 3 times with proof that my outgoing monthly obligations is about {$1300.00} to {$1400.00} a month. They failed to address this despicable practice. Natiostar Mortgage for what ever reason is not helping me but instead seems to be going out f there way to conduct another fraudulent foreclosure which they are being investigated for.

Company response to consumer: Closed with explanation