milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-06-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (CT).
Issue: Trouble during payment process

Complaint: We continue to get early morning phone calls from  Ocwen Loan Servicing .  Today (  Saturday,  XXXX   XXXX   )  Ocwen called my home at  XXXX  and woke the entire family. Before I could get to the phone,  Ocwen hung up and did n't leave a message. I have repeatedly told Ocwen re presentatives to never call my home early in the morning - especially during weekends.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with LEXISNEXIS (AZ).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: I have contacted LexisNexis Consumer on several occasions in reference to incorrect information on my XXXX XXXX XXXX XXXX ( XXXX ) report. My last contact was on XX/XX/XXXX because of an underwriting decision that increased my car insurance rates based on two incidents on XX/XX/XXXX and XX/XX/XXXX. I was sent a letter dated the same date as my discussion from LexisNexis showing that those two incidents on XX/XX/XXXX and XX/XX/XXXX were listed as not at fault. On XX/XX/XXXX ; I was sent a letter from XXXX XXXX XXXX Underwriting stating that they were cancelling my insurance effective XX/XX/XXXX due to three collisions on dated XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX which were listed as at fault despite being reported and confirmed by XXXX XXXX and XXXX XXXX as being not at fault. This incorrect information has caused severe harm to my insurance rating and ability to secure reasonable priced insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Mortgage (Conventional fixed mortgage) with EMBRACE HOME LOANS (PA).
Issue: Loan servicing, payments, escrow account

Complaint: For over thirty years, my mortgage payment was never, never late. It was setup as an automatic payment. Over a year ago I refinanced my home with a XXXX loan with Embrace Home Loans serviced by LoanCare through automation. Then some six months later, my loan was sold/transferred to XXXX Mortgage Servicing Corporation on behalf of Embrace Loans. I was given a new mortgage number that needed to be setup so that the new servicer could receive payment. Then six months letter I receive another letter informing me that my loan was transferred back to XXXX with another new loan mortgage number. So when I attempted to make make payment, I am told that I have several loans and choose the loan I want to make payment to. This process of transferring my loans has become my burden of paying my loans without being charged for late payments. 
This would not be an issue if the mortgage servicers would make these transfer of information less frustrating to the customers. The loan servicers selling and reselling this loan are making the profit and I the customer have to be extra concerned that my mortgage does not become a late payment thereby putting extra fees unto my loans.

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
Consumer complaint received 06/28/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with SANTANDER BANK, NATIONAL ASSOCIATION (PA).
Issue: Other service problem

Complaint: I was trying to activate an account with XXXX app on the app store but it says the bank is not compatible

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 07-05-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Hello : I have been trying to get my credit report from the XXXX main bureaus, but the information does n't match in any of them, according to my bank, who was the one conducting the process of opening a line of credit. Can you please tell me how can I fix this problem?, for the record, I have not used my S.S. Number for any credit purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Credit card () with ENCORE CAPITAL GROUP INC. (WV).
Issue: Closing/Cancelling account

Complaint: I was called on my personal cell phone asking if I was someones wife, I said yes. This man from Midland Credit Management out of California starts telling me details about everything on my husbands past due account, and requesting payment from me to settle his debt, and asked me specifics about why my husband could not pay his debt.He goes on and on about how he sees there was a specific payment and the amount a previous month, but the payments were faulty after then. After I got home I asked my husband if he received a call or if they had permission to speak with me and he said that he never once gave them permission nor did he receive a call to ask for permission to discuss his account with anyone. I was surprised and a little taken aback because there is privacy that everyone is entitled to and he certainly did not receive it from that company.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Consumer Loan (Installment loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Shopping for a loan or lease

Complaint: This is a dental practice loan. Applied for refinance. This company already has the original loan. Process started in XX/XX/XXXX. Company has not been adequately responsive for last 2.5 months.. meanwhile I am paying the added interest to them. 
They are not answering emails or phone calls. I have been " approved '' per agent ( XXXX XXXX ) yet received no call backs for over ten days. HE is consistently not responsive. I left messages with other agents in an attempt to move this along. still no response

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 12-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
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: I have disputed the following with all three CRA 's with a dispute reason of " contract cancelled '' notating " no contract '' from XXXX-2017 forward. The accounts were never verified or validated by the CRA 's and no additional information was provided. 

The contracts were cancelled with the creditor and I did not sign any contract with the collection agency that they sold the account to making my liability with the collection agency null and void. 

XXXX- {$310.00} XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX- {$60.00}

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 08/28/2017 about Debt collection (I do not know) with Enova International, Inc. (UT).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: This company northwood asset management has repeatedly contacted me and other 3rd party persons not associated with the person they attempting to collect a debt from. When asked to stop and told they can not call us they have threatened and used obscene language and threatened us. When told this is not the number to contact said debtor they insist we must give them information about us and the person they are attempting to contact.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My credit report shows a {$12000.00} dollar debt on an XXXX XXXX credit card. The account was closed in XXXX 2009. I believe this debt should not be on my credit report due to how old it is.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was sold to Shellpoint Mortgage Servicing, XXXX, SC, My payment is due on the XXXX of the month, but not late until the XXXX of the month. By the XXXX of the month, I am getting phone calls on my job, home & cell phone from XXXX to XXXX everyday, from XXXX to XXXX times a day. I 'm not even 30 days behind, and if i 'm late, I simple pay the late fee when i 'm late with no problem, but I still get the calls all day long and I ca n't block their number. I could see if I was XXXX to 180 days behind to get the calls, but I 'm just late, and I still get these calls every month for the past year. I have contacted them several times, to stop robot calling me everyday. This is harassment!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Mortgage (Other type of mortgage) with SELECT PORTFOLIO SERVICING, INC. (DC).
Issue: Struggling to pay mortgage

Complaint: They contacted me to help get me a modification to save my home to stop the foreclosure on my home. On  X/XX/2017    I gave them money for {$1500.00}. The next payment was on  XX/XX/2017    for the same amount then another payment were due me and my son we did not send that payment. Then this man call me fro m SPS Serviceing  by the name of  XXXX   XXXX  he stated to me that I was about to loose the modification. That was set fo r twenty yea rs at {$1300.00} A month so me and my son would not loose our home. He said that we must send in {$900.00} dollars. We call sps serviceing they never heard of  XXXX   XXXX   XXXX  I have his phone number  XXXX   XXXX  a widows. My husband was a  XXXX  vet. Please help me get my money back 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 10/19/2017 about Payday loan, title loan, or personal loan (Payday loan) with ACE CASH EXPRESS, INC. (TX).
Issue: Can't contact lender or servicer

Complaint: Received a check from ace cash espress, inc refund XXXX for {$400.00}, i went to the bank to cash it, and a day or so later i get notify from the bank that the check was returned unpaid, and the bank is charging me the {$400.00} to my account

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2016 about Credit card () with DISCOVER BANK (AZ).
Issue: Transaction issue

Complaint: Discover Card sent me a letter saying I have been over my limit a couple months in a row, and because of this, they are increasing my minimum payment amount within the next 60 days. I am not past due and have not been past due. I thought credit cards stopped charging over limit penalties, they should just decline the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Credit card () with CITIBANK, N.A. (MA).
Issue: Transaction issue

Complaint: I made an overpayment via my online banking on XX/XX/XXXX and itwas credited to my card on XXXX.The card actually had a XXXX bal. I made the mistake of sending it to the wrong credit card company. I discovered thison XXXX XXXX and called them. I asked for it to be credited back to mychecking account. I gave them my routing number and checking accountnumber. After XXXX calls to find out why it was not done, they just kepttelling me it had to be processed. It is now 7 days later, XXXX XXXX and I wastold that the {$250.00} was going to be sent back to my checking todayand it would take another 3-5 days to process this. This is a total of 10-15days to get my money credited back to my checking account, when allalong they had the {$250.00} in my account. We could see it in my cc acct. 
I do n't know what the regulations are for this type of problem, but, I thinkthat 10-15 days is way too long for them to credit this back to me. when I ppay my bill to a cc it goes in very fast, 2-3 days max, ( online billpay ). Butwhen I need to be credited it 's 2 weeks? what 's up with that? I spoke witha supervisor in XXXX, XXXX and today with XXXX, XXXX. It was an AT & T Universal XXXX Card through Citibank. I have never been late, paid bmy bill off in XX/XX/XXXX and have a very high credit score. I am a responseible professional and really do not like being taken advantage of and treated so badly. If you can help me with this I would appreciate it. 
Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Debt collection (Medical) with Collection Management Company (VA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: On XXXX/XXXX/XXXX, I had received a call/phone message from the subject collection agency, when they were previously duly advised per the attached correspondence to which there had n't been any other subsequent communication from them until now regarding a supposed amount owed to XXXX XXXX XXXX, which their client had either neglected or failed to timely bill me for. Thus, as a result, I had disputed the charges under contributory circumstances, as it took their client greater than a full calendar year which to bill me. There had n't been any communication from this Agency since XXXX XXXX, which is suspect for another date of service that I have with XXXX XXXX which may be causing them to look at ALL dates of service that I have with them, which there are only XXXX ( including this XXXX ) that are disputed. Since this agency had n't responded since XXXX XXXX with any other basis for collection and that their client had failed to resonably bill me within a full calendar year 's time, any other action at this point would seem possibly political and vendictive to me at this point.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Mortgage (Other mortgage) with SUNTRUST BANKS, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: On late XXXX or XXXX XXXX of this year ( 2016 ) I received an annual escrow account disclosure statement from my mortgage lender, basically saying that they have reviewed my escrow account and the determination was that I had a surplus of {$3700.00} and a check will automatically be mailed within 30 days ( statement date was XXXX/XXXX/16 ). Exactly the same situation happened last year, I had an escrow surplus, a check was going to be mailed within 30 days and I did n't receive any check, either last year or this. They lie to me when they told me that last year they mail a check and because the check was not cash, it was deposited back to my escrow account ; the escrow account activity does n't show any withdrawal to reimburse me with the excess escrow funds. And this year after I called XXXX today ( XXXX/XXXX/16 ), they are revising the account again, even I have the statement from them confirming the surplus and reimbursement within 30 days. 
My mortgage company is SunTrust Mortgage. I believe they do unfair and deceptive acts and practices, use false and deceptive statements to withhold client 's funds in violation of homeowner 's rights and protections.

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 monetary relief
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I personally called XXXX XXXX the first week of XXXX to get the pay off amount on one of my properties at XXXX XXXX XXXX in XXXX XXXX, NV On XX/XX/XXXX I signed off and XXXX confirmed that on that date the sum of over 93K was wired to XXXX to pay off that mortgage as of today XX/XX/XXXX I am getting Auto dialers that put me on hold for 3 to 5 minutes at a time all day long I am slammed with Calls, text, fax and emails I know I over paid and I want a refund ASAP Please do not confuse this complaint with previous ones I had 9 years from XXXX while dealing with them I blame even my moms XXXX, XXXX and ultimately even her XXXX on all the stress they put us all trough

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/29/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I was attempting to do a modification on home XX/XX/2015.I was instructed to submit certain documents which I complied to in a timely manner. I check in periodically with the financial institution on a regular basis to check the status on modification which I was instructed that they needed more documents on XXXX separate occasions I complied right away. At which time I was notify that the sales date had been put on hold. I was told that the paperwork that was needed was receive and complete and the documents were on there way to the underwriter. I check back to make sure that the underwriter had receive my documents at which time they told me that it takes up to XXXX hours for the underwriter to review them. That was on the XXXX of XXXX. I was told to check back on the XXXX of XXXX which was a Monday because they were closed on the weekend. I check back on Monday and was told that the house went up for sale on XXXX the XXXX of XXXX. At that point I checked with the auction and was told that the house did not sale it went back to the bank. I called the bank back and they said the could not help me it was out of there hands. I obtain representation to the sales date resend they did not help me. I was to contact CFPB to see if they can help me to get the sales date resended.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I started receiving phone calls from this number on my personal cell phone, home phone, and work phone on X/X/18. First and foremost they are NOT to contact my job for any reason. This is a personal matter and it should/will be handled as such. My number one complaint is that they are calling me asking me to verify my identity via social security number and date of birth to some strange person who advised the call is being recorded. If you are calling me in reference to a debt and I have verified that you are speaking to the person you asked for I will not give you or anyone else who is calling me from some XXXX my personal information There are too many scams going around and the only thing they would provide to me was that they were calling on behalf of Capital One and would n't give me anything else. I have not received anything in writing from this alleged debt collector about what or who they are and what they are trying to accomplish.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-04-2018 about Debt collection (Medical debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: My credit is being destroyed by medical bills even though I have had insurance in the past year and had no idea that that would stop me from getting my financial life in tact and steady

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 01-03-2017 about Mortgage (FHA mortgage) with LoanCare, LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I received my Property Tax that I have n't paid my taxes but my lender has an escrow set up to pay the Property Tax. The lender send me a Tax Analysis showing XXXX payments were extracted from Escrow and it was overpaying the Tax, in which my Mortgage would go up by XXXX. The Property Tax has not been paid. They show they have deducted funds from my escrow. They over deducted and they have inaccurately processed a tax analysis. I 've faxed, Called them for almost a month with no success to assist me. They 've done nothing. I have all my documentation, faxes, dates and who I 've spoken with. They are taking money, overcharging me a new mortgage payment and my Property Tax has a penalty fee and has not been paid.

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 07/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
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: My friends and I were visitng  XXXX  and purchased gemstones from a jewler on  XX/XX/XXXX  and  XXXX  2017. We were assured that they were mined, processed, and genuine gemstones guaranteed by the government of  XXXX . We were also told by the store manager that if we did not find the stones to be of gem quality, they could be returned for a full refund. We had those stones evaluated by two independent jewlers and they were found to be pieces of glass instead of gemstones. Since then we have returned the " gemstones '' by  XXXX  to the vendor and have confirmation that the store received the merchandise. Some of my friends, who also made purchases, have had their charges reversed by their banks. I have enclosed one such letter stating this fact. Somehow my bank ( Capital One ) is finding it hard to understand that fake glass does not cost thousands of dollars and they should not charge for merchandise that has already been returned. Copy of correspondence with the bank is enclosed.

Company response to consumer: Closed with explanation