milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/20/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (MS).
Issue: Trouble during payment process

Complaint: I am contacting your office to file an official complaint against Ocwen Loan Services, LLC. in regards to my current mortgage. This has been a ongoing problem from XXXX. Ocwen has continues to add corporate advance fees for service related expenses. In my case, these expenses are doubling, and sometimes tripling in the same month, for the same things. Such as, Property Inspection, Property Maintenance Expenses, and Certified Mail Costs and Property Evaluation expenses. 

I am aware that my loan is delinquent by two months. However, these costs are outrageous, unfair, deceptive, and abusive acts and practices which has driven my mortgage to almost {$11000.00} in extra fees. I have contacted Ocwen about these charges asking that they show proof as to why all of these charges and expenses are occurring on my account. 

The latest expense report received from Ocwen was on XXXX/XXXX/XXXX, for property maintenance expenses totaling {$1200.00}. Also on that same date, I received another property maintenance expense in the amount of {$260.00}. Additionally, there was also another property maintenance expense in the amount of {$24.00}. These are just three of the five ( 5 ) EXAMPLES of an ongoing situation throughout the loan. 

I am attaching supporting documentation for your review of numerous invalid charges that can not be supported by this company 's actions. After exhausting all of my options with Ocwen in the past, from loan modification, to a short payoff settlement offer, I have had no success in dealing with this company. They have lied, and I have additional documentation supporting this. My main concern right now is to have these extra expenses deleted from my account. In this effort, It is my hope that assistance is received and justice is fully served under the Federal Consumer Financial Law. 

I am XXXX XXXX XXXX and do not have access to computer. Therefore, I would like all of my correspondence mailed to me at the following address : XXXX XXXX XXXX, XXXX XXXX XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: XXXX XXXX, 2017, is when I last sent this company a letter disputing several incorrectly reported items on my credit report. I also request that Liens ref numbers : FEDERAL TAX LIEN Ref # XXXX, FEDERAL TAX LIEN Ref # XXXX. Verified with the courts last XX/XX/XXXX, that these liens have been withdrawn. No citation of my name, SSN or DOB. Please reinvestigate properly all the items I have disputed, from the inaccurate account opened date, highest balance, status, inaccurate payment history. Please conduct a proper investigation and remove these items from my credit report.

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 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Credit report ran by XXXX XXXX XXXX XXXX XXXX, 2017 by non-profit alliance for homeownership shows duplicate accounts from nelnet college loans accounts. Balance should be {$63000.00} with monthly payment of {$230.00} ; but is shown as $ XXXX.with monthly payments of XXXX, because the source code was entered in differently for source XXXX XXXX . I  attempted countless hours speaking with Nelnet to fix this problem. I spoke with 3 different supervisors and the floor manager and was given several different reasons why the duplicate accounts occured without ever taking accountability for the error in their data processes. I need Nelnet to take accountability for their mistake so it does n't happen to anyone else. Please assist in the correction needed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: A home equity line of credit that I settled as a short payoff back in XX/XX/XXXX has been updated on my XXXX and XXXX credit reports, with a last reporting date of XX/XX/XXXX with a status of greater than 120 days pasted due. After submitting disputes to this item at XXXX, the status was updated by the creditor as Paid as Agreed for Less than amount owned, but the last report date is still XX/XX/XXXX. I am seeking to have the last reported date to be set to its original state of XX/XX/XXXX. This error makes it look like the item was just processed. I discovered this after being denied credit, and not receiving the best premium for my home owners insurance. The contact with Citibank has been horrendous. 
On XX/XX/XXXX, I submitted a complaint regarding a HELOC that I settled and paid in XX/XX/XXXX being reflected with a last update date of XX/XX/XXXX on my credit reports through XXXX and XXXX. I discovered this issue after being denied an increase in my credit limit and paying a higher premium on home owners insurance. 
I was instructed to contact the Recovery Department by the general Customer Service number. A letter ( see attached ) was sent to me from Recovery Services to submit documentation. I called them before sending over the fax, and they said that they do not have the account in their system because there is no outstanding balance to pay after the account was settled. 
I was also in contact with the Loss Mitigation Department ( transfer to them by Recovery ), and the agent advised that they do not have the account in their system, because the account was settled and closed in XX/XX/XXXX. When I asked for direction on whom to contact, the rep ( XXXX ) became hostile, and hung up on me. I then called recovery back, and was able to get the information I needed ( after being emphatic ) to send documentation to your team. I have sent them the following supporting documentation Credit reports from XXXX from XX/XX/XXXX, as dispute confirmation, and an updated account status as of XX/XX/XXXX. 
Credit reports from XXXX from XX/XX/XXXX, as dispute confirmation, and an updated account status as of XX/XX/XXXX. 
Credit Report from XXXX that has the correct information dating back to XX/XX/XXXX. 
Authorization and Acceptance Letter from Citibank of a short payoff XXXX for cancellation of debt Fund Transfer Wire Last statement for the account reflecting a XXXX balance Discharge of MortgageI have been working on repairing my credit for the last 3 years, and this issue lowered my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/27/2016 about Mortgage (Home equity loan or line of credit) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Settlement process and costs

Complaint: I am letting you know that another event has happened in case XXXX in the case of XXXX and citizens bank as XXXX XXXX graciously explained in his very poignant letter i did agree to close the account for the sum of the outstanding balance but no one not even my XXXX with whom i was counseled i, n order to get the equity loan, told me that i would have to forfeit the whole thing upon refinanxcing When i did close ti was not with an attorney but a bank manager and he did not disclose that if i closed it i would be charge a prepayment penalty of XXXX i have left XXXX XXXX, office of the chairman at XXXX XXXX but he did not respond I left another message on XXXX/XXXX/2016 but his maibox was full in summation, i would like citizens to send me a check of XXXX plus interest

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have sent 2 multiple inquiry letters to Transunion within these 60 days. I also had a fraud alert placed on my credit file on XX/XX/2017 that indicates anyone who runs my credit needs to call me verify my personal information and that was n't done and that violates my rights as a consumer. I explained to multiple CSR that their are multiples of certain places of inquiries that definitely indicate fraudulent activity but they do n't care. I reached out to the Transunion on more than one occasion to advise of my credit being pulled without my permission. They keep telling me there 's nothing they can do and inquiries are factual and no real foot work has been done to help me the consumer resolve this issue. The manager I spoke to told me they DONT DISPUTE inquiries when I know that 's not true. I need these inquiries removed as they are hendering my home buying process for my children and I.

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 04/19/2017 about Mortgage (Other mortgage) with EXETER FINANCE CORP. (NE).
Issue: Application, originator, mortgage broker

Complaint: The company pulled my credit without my authorization. The inquiry is reflecting on my  XXXX  and  XXXX  Credit report. I have never done business with this bank before nor have I sought any of their products or services.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with LendingPoint Holdings LLC (OR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I went to the following website.    XXXX   XXXX   XXXX    XXXX . Looked at several pre-qualified offers and did not like any of them with insane rates of 30 % being offered so I did not apply.  XXXX  it seems sent my information to  LendingPoint, LLC Telephone nu mber :  XXXX .  LendingPoint th en submitted an application without my consent. I called them and they told me there was nothing they could do to help and the credit inquiry would fall out in two years.

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 09-06-2017 about Debt collection (Medical debt) with Retrieval-Masters Creditors Bureau, Inc. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX XXXX put debt in the amount of {$790.00} on my credit report that I do n't owe. I explained to them that I had insurance during the time in question. While I was attempting to dispute the debt, they just put it on my XXXX credit reports without completing the dispute process and reaching a resolution prior to just reporting the alleged debt to credit bureaus. I do n't owe the debt in question. It 's three years later and they are just now addressing the issue. They should 've been made me aware of a debt not paid by insurance. Instead of waiting too late for the alleged debt to be resubmitted. I do n't owe the debt as i had health insurance during the time in question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Trying to collect on debts that I do not owe I do not have no form of signed credit obligations with Midland Credit Management never did.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (LA).
Issue: Fraud or scam

Complaint: ( On the Coinbase exchange ) I withdraw {$7100.00} on  XXXX / XXXX /   17  and got email saying I would receive funds to my bank account on  XXXX / XXXX / 17  I never received anything I have email coinbase support dozen times with no response ... please help

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I send my mortgage payment for athe amount of {$3600.00} on XXXX XXXX via XXXX XXXX and send another payment for $ XXXXthught USPS with tracking # XXXXnot XXXX the payments has been credit to my mortgage account.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Debt collection (Credit card debt) with Machol & Johannes, LLC (CO).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: THIS IS MY 2ND COMPLAINT ABUT THIS MATTER. MACHOL AND JOHANNES, XXXX XXXX XXXX, XXXX AND XXXX XXXX XXXX. PUT A JUDGEMENT AGAINST ME WITHOUT PROPER SERVICE AND IMPROPER CORRESPONDENCE. PUT A LEVY ON MY BANK ACCOUNT TOOK MONEY AND TOOK IT INTO THE NEGATIVE AND ALSO PUT A GARNISHMENT IN PLACE AT MY WORK FOR MY WAGES. THEY ARE IN MULTIPLE VIOLATIONS OF THE FAIR DEBT COLLECTIONS ACT AND FEDERAL BANKRUPTCY LAW. THEY ARE SUING ME ON A DEBT THAT WAS INCLUDED IN MY CHAPTER XXXX BANKRUPTCY, I HAVE PROOF AND THEY STILL DENY IT. I HAVE REACHED OUT TO ALL OF THE LISTED CREDITORS THAT OVER SEE THIS ONE DEBT AND NT ONE OF THEM WILL WORK WITH ME ABOUT THIS ISSUE.ONCE THE DEBT IS DISCHARGED BY THE BANKRUPTCY COURT, THE DISCHARGE PERMANENTLY BARS THE CREDITOR OR DEBT COLLECTOR FROM COLLECTION OF THE DEBT -- -PER CFPB WEBSITE.

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 10/26/2016 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My family bought our first home about a year ago and we have had our mortgage servicing changed 3 times in the past year. Our current mortgage servicing company is Freedom mortgage. I tried to make my XX/XX/XXXX payment with this company on XX/XX/XXXX and I received a confirmation # from them which I have. They gave me a call on XX/XX/XXXX saying the payment had n't gone through even though I received a confirmation. I was told the bank info had a XXXX number error and it did n't go through because of this. Now they have added a {$73.00} late fee to my payment. Prior to this, I tried in XX/XX/XXXX to get automatic payments done, but their website would not allow me to do this. I also called them on the phone to do this without any avail. Furthermore, they 're website does not have the capability to save bank information ; therefore, it would be very common to have a human error when making payments. I was supposed to have a manager call me and reverse the payment. I had to call back today on XX/XX/XXXX because I have not had anyone reach out to me. Furthermore, I waited an hour and half and was still not put in touch with a supervisor. On top of this there was no record of my call on XX/XX/XXXX with them because their customer service rep forgot to save the notes. I 'm very upset that this company treats its customers this way and tries to gauge them with late fees.I never signed up to work with this servicing company and have been forced to do so because my mortgage keeps getting sold. Furthermore, they do not help their customers fix issues and waste their time when customers try to resolve issues. This is very troubling and this company needs to be investigated for their practices.

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 07/24/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Husband received Loan Modification for Mortgage XX/XX/XXXX. Husband died XX/XX/XXXX. I filed for Hardship and received constant delay tactics. I tried to pay off Mortgage Loan by sending {$160000.00} to offset the loan and get it to an amount that was affordable since I had not received permanent notification. When I received an amount for the hardship, the amount was higher than the original amount. Tried to get this matter resolved especially since I just paid against the Principal of {$160000.00}. So, I requested to keep the mortgage amount where it was originally since the modification did not work. GreenTree stated that the large amount was due to taxes, but My husband is a XXXX Veteran and XXXX. explained that the valuation of my property decreased so the taxes are less. GreenTree reported derogatory information against my credit report. Very distraught how the family of a XXXX Veteran is treated by GreenTree. I provided them with {$160000.00}. to get the loan paid in full, and continued harassment. The original signed loan agreement for the modification from my husband indicate that the amount in deferment may be due or paid when the Property is sold. I should just be paying taxes on the property and nothing else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
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: On or about XXXX of 2017 we XXXX vacation trip with XXXX XXXX. XXXX XXXX is an online travel agency. They lured us under false pretenses and purchasing a vacation package only after did they charge us did they explain to us their refund policy which was no refund at all under any circumstances at any time. Also went to their website which does not have their vacation refund policy posted anywhere. Contacted my credit card company American Express, American Express is ruling in favor of them despite the fact that XXXX XXXX offered to partially credit my account. American Express has advised me to dispute this process and this charge which I have done now 13 times and they keep coming back telling me that I owe the money. I asked them if they felt that it was morally and ethically correct to be charged for something in the capacity that I was and they will not provide a clear end definitive answer. Been a customer with them for 15 years with impeccable payment history

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Credit reporting () with LEXISNEXIS (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I received my auto insurance policy renewal, after reviewing it and saw it increased by {$450.00} since the previous XXXX month renewal I call communicated with the insurance company, XXXX XXXX. They said the reason for the increase was because of credit report. I told XXXX XXXX my credit had not changed except that I got a home mortgage and I had great credit history and score, otherwise I could have not gotten a large home loan. I could not review my credit history online. I have a very good job, have never not paid my insurance policy premium. If getting a mortgage loan has given me a bad credit score then some it bad wrong with this system and needs to be eliminated.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Debt collection (Other debt) with Colony Brands, Inc. (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX   XXXX  reported an account to the credit bureaus without advising that they planned to do so or providing me an opportunity to dispute the debt. I did not receive notification from  XXXX   XXXX  prior to reporting a charge off to my credit report.  XXXX   XXXX  is not in compliance with the FCRA and other guidelines with reporting information on an individuals credit report.

Company response to consumer: Untimely response
Consumer complaint received 01-11-2018 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (VA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: On numerous occasions since opening a checking account in XXXX, SunTrust Bank changes the manner in which they manage your checking account so they can pad your account with fees. I most recently ( XX/XX/XXXX ), had a situation where my money covered everything that came through, yet they used their ATM fee to charge me a {$36.00} fee. I was told that they would not reimburse and came up with a new excuse. In addition, if you have overdraft, they will attempt to pull from it, even if you have nothing in your savings, then charge an additional fee for trying to pull from that account. I am on the phone with the bank almost every 2 weeks for some problem, and there is always a new excuse. I have never dealt with a bank that caused so much aggravation. I will be discontinuing my relationship with them. The online banking is horrendous and never accurate. They have a new answer for every incident. First, they say checks do not so there is no way to resolve any overages to avoid fees, yet a check I wrote was showing as pending yesterday. Again, I believe that they are padding accounts.

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 01/16/2018 about Checking or savings account (Other banking product or service) with NORTHERN TRUST COMPANY, THE (FL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: This complaint would be a follo0w up to two previous complaints # XXXX filed XX/XX/XXXX, and # XXXX, filed XX/XX/XXXX. 

On XX/XX/XXXX a stamped letter was sent to XXXX XXXX, Senior Vice President, Wealth Management, who would be the person who last responded to my concerns about the accounting of my fathers estate, requesting : 1. A copy of the revised XX/XX/XXXX XXXX tax document filed with the IRS in XX/XX/XXXX by Northern Trust. 

2. All correspondence and tax forms filed with the IRS on behalf of my fathers estate.

3. Copies of all legal invoices billed to, and paid for, by the estate after those received for XX/XX/XXXX. 

As their was no response to the stamped letter, a certified letter was sent XX/XX/XXXX to which there was also no response. 

My complaint would be that this information requested would be within my legal right to review, but XXXX XXXX did not respond to my request for this information.

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