milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/24/2017 about Mortgage (VA mortgage) with OCWEN LOAN SERVICING LLC (MO).
Issue: Struggling to pay mortgage

Complaint: Ocwen   XXXX  I was told they many time that they sent information to there legal department to pay them I had s ent Ocwen documents Check Stud, Tax and banking documents via fax without any success Owens the n keep telling me that they did not get those documents for months Then I had contacted  XXXX   XXXX   XXXX   XXXX  to send those documents via fax they said that they did not get those documents Then I had co ntacted my VA REP to send those documents after about four days Ocwen  sent me a Mod Pack It about that time I got feed up with  Owen I contac ted a third-party for help The fresh  Start Ocwen an told that they The Fresh Start would be my th ird day contact  XXXX   XXXX   XXXX   XXXX   deman letter *Specific QWR was sent to Owen with they dismissed it by Ocwen ( Request every aspect of the loan transactions ) Real State Settlement Procedures Act Ocwen still have not resond with any answ er to the  XXXX  Demand document or the QWR  XXXX  -  XXXX   XXXX   XXXX   XXXX    Service- Connection M issouri non Judical forcloser CFPB Case number  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The debt has been addressed, discussed, settled and disputed with client and XXXX other collection agencies. It is agreed that debt should no longer be collected for reasons stated previously. 

Dispute of Reference No. XXXX | Client Acct # XXXX Enhanced Recovery Company, XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-06-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have had numerous issues with this company ( Ocwen ). I have XXXX issues now : 1. Ocwen has been charging me an extra {$50.00} per month for no reason. I have asked what this {$50.00} is for, but have received no response. 
2. I have had this loan for years and the payment was always automatically withdrawn from my bank account. Then, suddenly and without prior notice, they stopped making the withdrawal. I was on vacation when the letter notifying me of this was sent. When I returned home, I made the payment. However, they still charged me a late fee of {$140.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Debt collection (Mortgage) with Genesis Credit Management, LLC (WA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: XX/XX/2016 I received multiple phone calls not only on my cell phone but my place of employment. Not only was I being harassed by this debt collector, but my employer/HR team was harassed by XXXX XXXX! During my second conversation with XXXX XXXX she started harassing me telling me " I heard about you ... '' which I am guess she had a talk with " The management group '' before contacting me. Not one phone call was XXXX polite nor was she professional. After multiple times asking her NOT TO CALL MY WORK, she continued to do so, being very unprofessional, Rude, disrespectful and threatening me ( As I stated before saying " She heard about me, or she was ( warned ) about me. '' Also telling myself and my HR team that they " legally have to give all of my information to her. '' If this is not harassment I do n't know what is. Since then I have not heard from this debt collector so I am guessing this debt has been dropped.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (MD).
Issue: Application, originator, mortgage broker

Complaint: Unable to refinance my high interest mortgage with SunTrust bank for years because SunTrust mortgage made a clerical error on XXXX data and have not made substantial effort to correct the error. Meanwhile I kept paying Sun Trust Bank the high interest mortgage rate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-12-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (VA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: Received an Amazon store card over a year ago and recently payed over 1000. to pay off debt the beginning of this year. After doing so they cut my credit limit to XXXX which messed up my credit score. I  called to ask them why? They claimto do a random " credit check '' and said my income changed. I said, " well I just paid off my card and I have made on time payments and they refuse to help me. I also set up auto draft from my account but, I had to change bank accounts and forgot to change my info online for my accounts so in return, I was late but I contacted them to let them know I had to mail a payment off because I did n't have a checking account anymore. Then they said because I had made a late payment that they are closing my account even after communicating with them about this issue and when I go online to check my account because I enrolled in a paperless mailing, it does n't say I 'm late. It says they received payments for a payment that they said they did n't receive. I have been making on time payments until this year and when I was late I called and also payed fees when I had too. I feel like I 'm being personally attacked because I payed off such a large debt in one payment. My boyfriend has an amazon card and has been late more than me and they never cut his credit limit or closed his account.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I sent the company a certified letter dated XXXX XXXX,2017 stating '' This letter is regarding Act. # XXXX, which is listed Discharged in Bankruptcy. This is a formal notice that your claim is disputed. '' I never received any response back from the company about my dispute nor was it ever listed that I was disputing this account on any of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: Have applied for a modification with Ocwen. There is a divorce decree, marital separation agreement and quit claim deed in my name alone. XXXX XXXX. Ocwen is assisting to get financial information from my ex husband who is also on the note. He does not live there. He does not provide any financial support to the household expenses.

Company response to consumer: Closed
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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 continuously disputed the following 2 items on both my XXXX and Transunion reports. I have no knowledge of these accounts. I have contacted the debt collector and requested information and they refused to send it to me without verifying my social security number. I have never received a bill from this company and I have no outstanding medical debts I have had continuous medical coverage for the past 15 years that would cover any medical bills. The credit bureaus refuse to remove these items claiming they are valid, but I have not received any valid information. Item 1 : XXXX Collection/Chargeoff Other {$530.00} Status Date Reported XXXX XXXX, 2017 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Bureau Name XXXX Original Lender MEDICAL Account Number XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$530.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX Remarks Placed for collection. Item 2 : XXXX Collection/Chargeoff Other {$100.00} Status Date Reported XXXX XXXX, 2017 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Bureau Name XXXX Original Lender MEDICAL Account Number XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$100.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX Remarks Placed for collection.

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 03/31/2017 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (TX).
Issue: Managing the loan or lease

Complaint: I took out a loan for about {$70000.00} to finance XXXX pieces of XXXX for my XXXX in XX/XX/XXXX with a 7-month grace period. The funds were not released until XX/XX/XXXX. The XXXX failed in XX/XX/XXXX, and I contacted Wells Fargo Equipment Finance to make an offer to settle with no response. They contacted me about a week later to find out how to pick up the equipment, and no follow up calls were made. 
In XX/XX/XXXX, WFEF contacted me via email to tell me I owed them {$100000.00}, and that I was severely delinquent in the loan ( still under the grace period ) and repeatedly told me I made " XXXX '' payments ( the first payment could n't possibly be due until XX/XX/XXXX, and possibly as late as XX/XX/XXXX ). They calculated the {$100000.00} based on all the payments I would have made over the 5 1/2 years of the loan, including the interest for 5 1/2 years. 
1. They intentionally misrepresented the amount currently due in order to intimidate me and possibly try to push a settlement. 
2. They intentionally misrepresented the delinquency status of my account ( not delinquent at all, referred to as " severely past due '' ). 
3. Not sure if this is just semantics, but they referred to the loan as a lease. It was not a lease, it was a purchase agreement they financed.

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 05-03-2017 about Student loan (Federal student loan servicing) with GREAT LAKES (MN).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Due to my financial burden I would like to maintain my rate of payment for the next year.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Student loan (Federal student loan servicing) with National Credit Services, Inc. (NC).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I receive a letter in the mail XXXX XXXX about my student loans. The letter is dated for XX/XX/2017. The letter stated that I have 60 days from that date to respond and set up payments arrangements. I called the XXXX Department of education to try and set up payments but was told my load have been summited to the creditors : XXXX XXXX XXXX. I called and called several times to try and get in contact with them. Every time I call I wait and wait than I hear a number pressed and no one says anything and than the phone disconnect. I just wanted to set up my payments arrangements with them so this issue can be resolve. My total balance is XXXX XXXX XXXX XXXX XXXX number is : XXXX XXXX XXXX XXXX number is : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Application, originator, mortgage broker

Complaint: last year I filed a complaint concerning Nation Star Mortgage and documents they stated they never got ( cfpb case number XXXX. I was directed that they got the {$50.00} assumption fee but not required documents. I faxed them on XX/XX/2015 at XXXX, exactly what they needed. I got a credit pull and then a letter from research dated XX/XX/2015 Ref number XXXX. That was it never did anything and all I want to do is assume this debt. They had a freedom mortgage call for a refi/assumption but after today I found out that I was lied to.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Credit card () with U.S. BANCORP (NJ).
Issue: Unsolicited issuance of credit card

Complaint: I received a credit card I never requested. Suspiciously they used an incorrect middle initial for me. It was a Fidelity Rewards Visa Signature Card

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 11-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (IL).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I have had a XXXX 's store credit card since XXXX. On XXXX, XXXX XXXX XXXX, I was shopping at the XXXX 's store located in XXXX XXXX, Illinois. When paying, the clerk asked me if I wanted to " upgrade '' my regular XXXX 's store card to the XXXX XXXX XXXX XXXX. I expressed concern that I had rewards accumulated under the XXXX XXXX XXXX XXXX and had also enrolled XXXX XXXX XXXX  and that I did n't want to lose those benefits. The associate assured me that when I received my new card, I could simply call in and have those rewards and program transferred. 

I received my card, called as instructed, but have not been able to get my XXXX Rewards transferred. This entitles me to free shipping and XXXX XXXX back in rewards on XXXX 's purchases. Resetting this, because it 's treated as a new account deprives me of the benefits that I have earned. 

I called again on XXXX, XXXX XXXX. I waiting on hold for more than an hour to speak with someone in the XXXX department. It was suggested by the customer service agent that they have someone call me back instead. They have never returned my call. 

I called today, XXXX, XXXX XXXX. I was given the same run around. I am still currently on hold waiting to speak to someone in XXXX. It was suggested that I simply close the new account and revert back to the regular XXXX 's store card. But that is not a solution because of the damage the additional credit inquiry did to my credit score. It also affects the Average Age of Account. XXXX 's needs to fix my rewards tier or figure out a way to make this right. At this point I feel like I have been defrauded by XXXX 's into signing up for an account I do n't need and deprives me of the benefits I have already earned.

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 11-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: I have XXXX collection accounts which are unfairly reporting on XXXX, XXXX AND EQUIFAX credit reports.Both collection accounts had previously been addressed with the original creditor at the time of the problem and dispute of the debt with the original creditor. 
The first one XXXX, account number XXXX, is a collection for XXXX, the original creditor.At the time of the problem I contacted XXXX regarding numerous unauthorized charges.It appeared that someone was using my phone without my permission.In contacting XXXX multiple times to resolve the problem, XXXX kept escalating my calls to higher authority but each time finally keeping me on hold indefinitely without answering or addressing the issue.Finally I gave up because it seemed XXXX could n't or would not address the issue. 
The second account XXXX, account number XXXX is a collector for XXXX, the original creditor.I had a situation where my phone bill escalated dramatically with unauthorized charges.In a dispute with XXXX on the phone they could not explain or identify why my bill which had remained constant had now trebled. 
After notice without resolution, XXXX continued the charges and continued billing for them monthly escalating the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Debt collection (Medical) with AllianceOne Recievables Management (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: To Whom It May Concern : I was the victim of a car accident XX/XX/XXXX and I kept receiving the same bills regarding my visit to the XXXX XXXX XXXX ( XXXX ). I wanted to wait until the settlement was complete before I paid it off. I also wanted to make sure no new bill were or would be issued before settling the person 's insurance. Therefore, my XXXX bills were understandably taken to collections ( AllianceOne ), but I explained to them the situation and I paid off all the bill regarding my XXXX bills by XX/XX/XXXX to the collection agency on behalf of XXXX XXXX XXXX. I confirmed by phone multiple time ( XXXX times ) with the hospital that my account had been XXXX out. My attorney also confirmed that these were the only bill that I had or will have regarding this incident. On XX/XX/XXXX I received a call from AllianceOne trying to collect a bill from that I have never was issued. They said they received this bill on XX/XX/XXXX ; almost 1.5 years after my accident. And after my attorney and I had taken measures to make sure all my bills pertaining to the incident were resolved. I tried to dispute this bill with XXXX XXXX XXXX, so they took it out of collections, but they never resolved it. I was consistently corresponding to them for about 1.5 months. I even had my attorney tell them that we had asked for all the bills pertaining to the incident. They stopped corresponding to me for about 1.5 months. On XX/XX/XXXX this started up again. This time I asked for a " verification notice, '' detailing terms in which the clients has asked. I have not received any such letters. I has been over 5 business days. I also got a " print screen '' version of my " new bill '' which they claim I have been receiving since last year, but there would be no reason for me to not receive these bills if I had been receiving the other bills before. I have been trying to file dispute with XXXX XXXX XXXX again as there are items which are duplicated including items that I have already paid for and new items for treatment I did not receive. The patient billing manager refuses to try to respond to my requests. I tried to schedule an appointment with her, but there has been no response. I have filed a compliant with the hospital online and in-person, but have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo told me they would issue a check for {$10000.00} from the insurance proceeds, then they called me back after understanding that the amount cashed by Wells Fargo was greater than {$10000.00} and a understanding the contractor WILL NOT start any work until they get the first draft. In fact they could file a lien as you requested they sign a conditional lien waiver for the very amount of the check that you did not send them. I have sustained additional roof and other damage to the home as a result of the games Wells Fargo is playing. You cashed {$20000.00} XXXX and are slow rolling out the amount of money that it will take to get started. You should also know that the depreciation will not be available if you guys do n't hurry up and allow this work to get started. Is Wells Fargo going to pay for the additional damage? 

In regards to the Mortgage Loan, the QWR requested ORIGINAL INK COPY OF THE DEED AND OR other said documents to support the loan. The issue here is my loan is behind handled by the Home Equity Department of Wells Fargo however it is NOT A HOME EQUITY Loan. 

In regards to the single point of contact, I provided all documents that i have access to. I have an active IRS Audit going on and can not provide tax returns for 2014 You have every thing else and i know for a fact, Wells Fargo can do an alternative modification considering this situation. Why ca n't i just start making mortgage payments. Why wo n't Wells Fargo not do an in-house modification considering i have given and provided every single document that i have access to and can sent. Please help me understand how other Wells Fargo Customers are getting modifications when Wells Fargo can not get all documents. Can you confirm the only thing your looking for to modify the loan is 2014 Tax Returns. If that is the case they are not available and wo n't be until the Audit is complete. 

Can you please provide a phone number of someone that can if fact consider this situation and allow me to keep this home? This has and is going on far too long.

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 11-08-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Last year I had a computer stolen, all my information was saved on the computer all my personal and password information. I am writing about all the inquires that I did not do. These are all that I do not have any credit with and would have never contacted them. they are listed here these are the ones from the Eqifax credit reporting bureau. I listed them here by the company and the date the Inquirey was made. XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX I do not have any creditors by these inquires and as you can see some are made twice in the same day.

Company response to consumer: Closed with explanation