milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/20/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: OCWEN Loan Servicing LLC is at it again. 

I 've already had to file a complaint on them for changing our mortgage payment without notice XXXX XXXX 2013? XXXX. They complied and changed our payment to XXXX reflective of our loan terms and APR. 

Now they are attempting to do so again. They 've sent a document stating that our APR is the same, but our payment has increased by 243 %. How can this be?

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Debt collection (Private student loan debt) with TekCollect Inc. (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I contacted XXXX in order to obtain documentation and information on my account. However, upon speaking to the manager of my account, XXXX XXXX, I was advised that they would not provide me with anything from them unless I made a payment, signed a piece of paper, took a picture of my signature and sent it to them. Then, upon receiving the image, I was advised, by XXXX XXXX, he would send me an email receipt. I advised him I could not make a payment yesterday and did not feel comfortable sending my signature in that manner. He laughed and said he would not send me anything and when I asked to speak to his manager or someone else he laughed again and stated, No, you will not be able to speak to my manager and my manager does not want to speak to you, call back when you are able to pay, until then, have a nice day ( continuing to chuckle ). When I tried emailing them through there website and social media accounts requesting to speak to someone other than XXXX XXXX, they blocked me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Bank account or service (Checking account) with PNC Bank N.A. (PA).
Issue: Problems caused by my funds being low

Complaint: PNC manipulated the order in which they processed transactions in order to gain fees they were not due. They then refused to refund the insufficient funds applied on an account which had not overdrawn at all. They cited XXXX instances where they refunded fees. Once was because my husband 's payroll check company changed and they did not notify us until the Tuesday before and it was too late to cancel bills which were scheduled. I was very grateful they overturned that charge. The second time we were overdrawn by XXXX. I did not request they reverse the charges, they did it on their own. The entire correspondence is documented and will be attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/31/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Application, originator, mortgage broker

Complaint: XXXX, you are so dishonest and a liar. you called and left me a message only XXXX time, I have called you twice and left messages with no response. 
You did not give me the recast payment of {$430.00} ; you gave me the payment of {$460.00} which is not the recast. I understand the increase of my taxes and insurance, but I am talking about the {$430.00} recast. The {$86.00} escrow monthly is based on the increase from XXXX to XXXX monthly. my monthly payments with my recast should be around XXXX monthly. I 've earned this and you have no right to deny me. Please address why I did not receive the incentive of {$430.00} monthly payment? This is an incentive and I want what is due to me

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TN).
Issue: Shopping for a loan or lease

Complaint: Santander Fianancial is guilty of continuing to report fraudulent information on my credit file. I have repeatedly asked them to provide me with the documentation that they used to open this fraudulet account. I have yet to receive anything from them but lies and excuses. They are very rude and unprofessional. They refuse to remove this information in spite of the fact that I have sent them copies of my Identity Theft Application and the police report several times. Please do sometthing about these people who brashly and defiantly abuse victims of ID theft. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Three payments of {$840.00} were received by XXXX in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in settlement of account ; XXXX agreed to report status of account as " unrated '' to credit repositories. Credit dispute was filed with XXXX and was confirmed on XX/XX/XXXX. 

Letter citing " Pre-Legal Notification '' sent by debt collector, XX/XX/XXXX. Response made even date citing account resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with RGS Financial, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt has been paid directly to XXXX since 2012 and they never updated their system and sent this debt RGS financial. I do not owe this amount to XXXX XXXX and want this removed from my credit 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 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Data Breach that is all over the news and internet. My personal information is out for anyone to see. In addition to that a prior situation is that I was not advised nor did I allow the bankruptcy information to be added to my Equifax credit report. 
603 Define adverse action Adverse actions '' include all business, credit, and employment actions affecting consumers that can be considered to have a negative impact as defined by Section 603 ( k ) of the FCRA.
Adding a bankruptcy to a consumers report is and should be considered an adverse action due to its negative impact.
604 ( 1 ) ( C ) ( 1 ) Users Must Notify Consumers when adverse actions are taken.
615 ( a ) requires the user to notify the consumer. 
Equifax has not added a line in regards to US Bankruptcy Court of Nevada dispute per section 623 ( a ) ( 3 ) Your bureau has published inaccurate information in my credit report. Stating that US Bankruptcy Court of Nevada was the furnisher of the information. When in fact a third-party XXXX ( information reseller ) is the furnisher of the information. The US Bankruptcy Court of Nevada does not solicit or give information to third party companies ( Proven by Letter ) Your company has also admitted to the use of a third-party company via correspondence. 
Your companys interaction with an information gathering company has also been proven by XXXX. 
XXXX confirms that they retain information mainly from public record on the XXXX company website page About Us. 
The public record from the US Bankruptcy Court of Nevada is also heavily redacted, thus making identification virtually impossible or extremely difficult. 
Definitions : Furnisher A Person or Entity to provide what is necessary for an activity or purpose. 
Identity Theft The fraudulent acquisition and use of a persons private identifying information, usually for financial gain. 

Equifax has failed to respond satisfactory within 30 days on response letter dated XX/XX/2017.

Equifax has repeatedly verified without yielding proof of verification in response letters da

ted XX/XX/2017 & XX/XX/2017. Equifax has failed to reply to letter asking for proof
of owner verification. 

Equifax has failed to sign for the receipt of second letter asking for proof of owner verification. In possible effort to avoid interaction.
Willful noncompliance with FCRA Disputed Accuracy Section 611 Willful noncompliance with FCRA Furnishers Obligations Section 623

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 'm filing this complaint against Transunion because they have repeatedly refused to delete an account on my credit report that does n't belong to me, nor have they provided any supporting documentation in any regard that proves that said account has been supposedly " verified '' by the information furnisher and thus belongs to me. They are required by Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act to delete any account that can not be verified. Federal case law also states " Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on, and their responsibility must consist of something more than merely parroting information received from other sources. '' If they are claiming the account was verified, how was it verified? I asked, and they gave no explanation. I asked for an Original Signed Contract, they have provided none. Please help me in resolving this matter, I 'd greatly appreciate 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 04-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Due to misrepresentation of services and fraudulent practices, we are stuck paying {$4900.00} lump sum in future monthl payments for a product we do n't use Due to misrepresentation, we were stuck in a 48 month contract that did not perform like promised. Now, we are expected to pay {$4900.00} up front. We started working with XXXX XXXX in XXXX 2015. XXXX XXXX promised in writing a 1 % rate on all CC transactions and 0 % debit card transactions. It was never disclosed that we would be working with another company ( XXXX XXXX ) We were also promised a XXXX machine that would be compatible with quickbooks for accounting purposes. We were sent a different model of key pad, but I did not complain since we were going to be saving at least 2.5 % ( 1.5 % more than promised in writing ) on all transactions. For the first few months, I noticed we were getting charged anywhere from 5 % to 9 %. After trying to get a hold of XXXX XXXX, I finally got a hold of XXXX XXXX of XXXX XXXX ( XXXX )? We had to settle for 2.5 % that she refunded for a few months. Then it became difficult to get a hold of her, and we were not receiving any refunds for being charged 9 times more the percentage than promised in writing. I finally faxed a termination/cancellation letter to XXXX asking that we cancel with XXXX, XXXX XXXX ( I had just learned that they were involved in the actual contract ), and any other companies involved. I stopped payment being taken out from any companies that I did not recognize through my bank because we were n't using their services. I get a letter from XXXX XXXX about an amount owed. I called back and told them that it was cancelled due to non-performance and misrepresentation. They said that it was impossible to cancel. I was reported to the credit bureaus for non payment on personal and business and chased down by Hunter Warfield for the remainder balance for a service that was misrepresented and lied about in writing. I need this to be taken off of my credit report and debt forgotten.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (TX).
Issue: Trouble during payment process

Complaint: My mortgage loan was transferred to  Bayview Loan Servicing LLC  in  XXXX   2017  for a modification application. I was told by Bayview representative in  XXXX  the process would take 30 days or less for underwriting to make a decision on my loan modification. We are now several days from  XXXX , yet no one from Bayview has contacted me either by email, mail, or phone call about the status on the loan In weeks. In the meantime, I tried making a mortgage payment but my mortgage company said I had to make payments directly to Bayview. When I called their automatic phone service, I was n't Able to make a payment. I 've left many phone messages, emails, and letters by mail asking them to call me for an update, and explaining how to make my mortgage payments. I have n't heard from anyone from Bayview. My credit report shows late payment from mortgage. Also, I mailed a check for payment to  XXXX  Texas address but payment was not applied to my checking account on time.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Mortgage (Conventional home mortgage) with RoundPoint Mortgage Servicing Corporation (NJ).
Issue: Trouble during payment process

Complaint: In XX/XX/XXXX, we contacted our mortgage company. Roundpoint Mortgage Servicing to advise them that we have a tax abatement with the purchase of our property which was supposed to take effect as of XX/XX/XXXX however it had not reflected in our payment. The associate told us we needed tax documents from our township which we provided in 2 business days to them and confirmed it was received. We were told at that time that they would do a escrow study and make an adjustment to our payment and we would see the adjustment in our XX/XX/XXXX payment and within two weeks begin processing our refund which at this time was approximately {$5000.00}. Two weeks passed and we did not see any adjustment to our mortgage payment. We called roundpoint a third time and was told that for some reason the escrow study was not yet done but would be done then and finished before our XX/XX/XXXX payment came due. We also asked at that time to speak with a supervisor but was told one was not available but someone would call back. We never received a callback. Two weeks after that, we call again. We ask for a supervisor immediately and were given the run around. In the meantime while waiting for a supervisor, the associate advised us he would expedite the escrow study ( which still was not completed ) and to not make our XX/XX/XXXX payment until it was adjusted to reflect the tax abatement by XX/XX/XXXX, We were also told that someone would call us with the results of the new payment information and results of our escrow overpayment which now is over {$6000.00}. We waited until XX/XX/XXXX and have not heard anything. We contacted Roundpoint again today and spoke to a XXXX who stated that our escrow study was still not completed and asked for a supervisor. We were continually told that one was not available and we have been on hold for almost 3 hours with no resolution. They have still not told us when we would receive our escrow overpayment or make the correct adjustment to our mortgage payment

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 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I initially started a dispute with Equifax on XX/XX/XXXX and now it is XX/XX/XXXX and they still have not completed the investigation of these fraudulent account. By law, Equifax has 30 day to investigate these account ; however, it has been more than two months. 

The following fraudulent accounts need to be deleted and removed immediately : 1. XXXX Acct # : XXXX 2. XXXX XXXX XXXX  Acct # : XXXX Equifax failed to investigate these accounts within 30 days and by law, they are supposed to remove and delete these fraudulent accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Problems caused by my funds being low

Complaint: My bank keeps charging me fees of {$34.00} and it is becoming too much, if the money is not there they should just bounce the check, or take it from another account as I thought that is what we agreed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2017 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (WI).
Issue: Account opening, closing, or management

Complaint: I received a free listing or insertion fees promotion from Ebay. I 've bought about XXXX items and then XXXX more recently for a camera I was going to buy. This was the first time I was selling XXXX extra lenses I had. So I looked through EBay 's website for more information and see if there are additional fees involved and I could n't find anything from EBay 's promotion or website. I was charged {$35.00} by invoice recently which was a surprise. I called the company and may have been hung up on, but was told they would not waive the fees for my situation. I 've learned since the invoice of their final value fees, but I was looking in the wrong pages on their website and it was not clear to me previously. I believe it is unfair and deceptive to new sellers. There should be a fees estimate when you are ready to list an item based on recently sold items or a manually input sales price and shipping expense. It was not clear to me how these fees were calculated or when they would apply, although I have a better understanding of it now. If I would have known how much the fees were ( including Paypal, which was also not stated ahead of time and unclear what they charge, but a bit lower fee so I paid it ) I would have listed them on XXXX for free at least initially. I think Ebay should make there fees more visible as there are many items in front of the fees that draw you away, and you need to scroll down multiple pages to start finding out more information. Finally, the listing has an asterisk on selling fees in fine print, that I learned of after the sales, but does not provide more information. 

In conclusion, there are likely hundreds of thousands of people who have attempted to sell items, but did not know of the selling fees until after their first sales. I think it 's wrong, unfair, and deceptive and would like my money returned for these XXXX sales at the same time that resulted in the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My husband died two and one-half years ago. The XXXX mortgage on our home is with Bank of America ( although it was originally a Country Wide loan, from a refinance in XX/XX/XXXX ). When we first obtained, in XX/XX/XXXX, our home the loan was in both of our names, but the refinance was obtained in just my husband 's name as he was fully employed at the time. The title was in both of our names as well. 
Since his passing, I have been making all of the mortgage payments, my name is on the deed as the Surviving Spouse, and, I am the Executor of my husband 's estate. 
I can not qualify to assume the loan, as my credit score is low ... ..during my husband 's illness our financial situation worsened and I went into debt with a few credit cards. I am XXXX and my financial situation and business situation has been improving and I am attempting to pay off the credit cards. 
Bank of America has told me that to allow me to assume the loan would be " preditory lending. '' Another comment from Bank of America is that in the past they would have been able to allow me to assume the loan, but they no longer can. 
All the payments I have been making are my checks, signed by me, but the loan account remains under the Estate of my husband, I would like to assume the loan and hopefully be able to then apply for some hardship program after the death of my husband. Maintaining the current payments at 4.9 percent is very difficult for me, and if my interest rate could be adjusted I would be most grateful, but I do not know how to go about it. I would have paid off the credit cards sooner, but I have had serious expenses related tot he house : last year the septic system had to be replaced, this year the well system has to be worked on. I really do want to maintain the integrity of the property, as I have lived here 30 years and have raised my children here and it was both mine and my husband 's hone, but I do not see which way to turn. 
I would be extremely grateful for your help. Thank you.

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 04/21/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Loan Modification.  This has been  a 10-year iss ue ( mortgage was born   XXXX   XXXX  , negative amortization ), the pursuit and continued pursuit of a loan modification.   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX   XXXX  , and now the loan servicer is " Shellpoint ''. I am in currently review for a loan modification, submitting documents full of bank statements, paychecks and more. Before my application is even fully received, a notice of trustee sale date has been assigned -   XXXX   XXXX   XXXX  . I have called them everyday, and receive the same message about them needing paperwork - and I have sent this paperwork, I feel they are stalling and are actively looking to foreclose rather than modify.  Two w eeks ago,   XXXX   XXXX   I am callin g Shellpoint an d sending requested documents.   XXXX   XXXX   I call, and they say no documents received.   XXXX   XXXX   I call, and they are closed for the  Holiday .   XXXX   XXXX   I am calling, and they say no documents received. Later that morning, I receive certified mail stating a trustee sale is scheduled  for three  weeks. Later that day, I cal l Shellpoint an d they say the documents received, are not complete.   XXXX   XXXX   I call - and they continue requesting documents that have been mailed, faxed & emailed. I have never spoken to my " Single Point of Contact '' - NEVER, and I have tried calling each  one o f these single point of contacts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (VA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Navient keeps reporting late when i have filed with them several deferrmemts and XXXX filed with XXXX

Company response to consumer: Closed with explanation