milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-09-2017 about Debt collection (Mortgage debt) with OCWEN LOAN SERVICING LLC (DC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: Ocwen Loan servicing LLC hired XXXX XXXX XXXX XXXX with forged documents and sued me in court for a discharged debt reinstated the debt and tried to extort XXXX+ from me. The debt was discharged prior to inception from XXXX XXXX who failed to entered appearance and failed to show. My HAMP was denied by XXXX and while unlicensed in XXXX they put me in another government program. Ocwen tried to reinstate the debt. XX/XX/XXXX. XX/XX/XXXX sent a notice I was in default. The letter did not conform to the requirements of a default nor was the loan accelerated. Instead they spent years pretending to put me in 5 HAMP programs to meet the government Standards and until the lawsuit filled in XX/XX/XXXX they documented on their own ledger the forgery of papers to foreclose, had people watching me outside, break in my unit. KEYS for cash was offered as it is NOT allowed in XXXX to enter a unit without keys. As a property manager i know from XXXX XXXX XXXX XXXX. they forged papers a transfer from XXXX to assign them my home. They have an unrecorded note without recourse they forged and put XXXX XXXX on there as the owner and then stamped in blank with no date payable in blank by XXXX XXXX in XXXX. Now XXXX the trustee of the XXXX XXXX XXXX claims it belongs to them.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Mortgage (FHA mortgage) with IMPAC MORTGAGE HOLDINGS, INC. (CA).
Issue: Trouble during payment process

Complaint: I made a payment to my mortgage company online on  XXXX / XXXX /  XXXX  . The online instructions said that because the payment was made on a Saturday, it would not post to my account until Monday  XXXX / XXXX /  XXXX  . They payment was posted and funds were successfully withdrawn from my checking account on  XXXX / XXXX /  XXXX  .     I have attached proof from my bank account showing the check was paid in full. This information has been provided to my loan servicer.     My mortgage company then reversed the payment and says that bank did not honor the online check. My mortgage is now showing  30+ day s past due and a late fee has been assessed.     I submitted proof that the funds successfully came out of my account on  XXXX / XXXX /  XXXX   and disputed the reversal. They keep telling me they are looking into it and have not made any corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (GA).
Issue: Struggling to pay mortgage

Complaint: I was approved for a loan modification without the borrower signing any of the request for the loan Modification. after paying three months trial period. I received paperwork from Penny Mac! requesting for the borrower to sign the final mod documents. The borrower did a quick claim deed to me which I 'm the co-borrower as he was no longer interested in the property. I asked my mortgage company if there was a way I could get all docs signed without borrower due to the quick claim deed. They advised that he had to sign the documents or they could n't go through with the Modification. My home is now in foreclosure sale date is set for XXXX/XXXX/17.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2018 about Debt collection (Credit card debt) with Experian Information Solutions Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: CRA VIOLATION NO KNOWLEDGE FRAUDULENT ACCOUNTS AND TAX LIEN APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have tried to fix these problems cred it bureau- My lawye r and I are getting ready to file a lawsuit.     Please remove these inquiry from from my credit   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   someone else tried to get a car in my name and all these inquiry popped up i have called numerous of times the companie tell me to contact bureau and bureau tell me to contact company Judgement case number  XXXX  amount  XXXX  - this account has been paid in full.     These items were deleted and reappeared - Also these accounts are closed!!!! please remove. Balance is  XXXX  ON ALL OF THESE ACCOUNTS   XXXX   XXXX   XXXX   XXXX  -    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  This is my last time before I sue all  XXXX  credit bureau

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 03-01-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CO).
Issue: Deposits and withdrawals

Complaint: Sirs, I recently tried 2 make a cash deposit 2 my XXXX mother 's acctXXXXChase.She recently reopened her acct there & cash gets immediate credit.The teller refused my deposit.I explained my mother was ill & needed the funds & that I make regular cash deposits twice/mo 4 her maintenance.They still refused cash & offered no resolution other than 2 say I could either B on the acct or bring a check.Requiring I B on my mother 's acct. is an invasion of her privacy & a violation of her 4th Amend. rights via Chase 's commitment to the government. It is also discrimination against the poor and the elderly. I asked why Chase imposed this policy & was told it was due 2 money laundering. Implying that the average customer is suspected by Chase of criminal activity.I 'm a retired banker & know the regs. Currency Transaction Report ( CTR ) information is for $ XXXX & I was depositing $ XXXX.I asked 2 speak 2 the branch mgr & the lead teller lied 2 me stating she was the mgr.So, I went back 2 my credit union a 2nd time 4 an official check.My credit union provided me w/a business card asking that the Chase representative phone 2 verify funds so my elderly mother could receive immediate credit.A XXXX Chase branch refused to verify funds & put a hold on {$50.00} of the $ XXXX.His explanation was Chase 's commitment 2 the government.What about the Chase commitment 2 its customer base ; taxpayers who bailed Chase out & customers Chase still has not yet repaid? The Chase commitment 2 the government impacts millions of elderly around the country who R dependent on their adult children 2 subsidize their income.Why should those adult children also B required to invade their parent 's privacy to assist them? Additionally, Social Security has not had a cost of living increase in 3 years! My mother & XXXX other Chase customers R being adversely impacted by the unreasonable Chase policy which is NOT the regulation or law but is a result of their own lack of oversight regarding their own employees within their own company. I also live in CO ; XXXX state.If money laundering had been the case ; I can assure U the deposit would have well exceeded $ XXXX.I do n't appreciate the implication that my XXXX year old mother & I are criminals nor do I appreciate the absolute lack a good judgement & common sense in customer care.I have destroyed my Chase credit card and mailed it to CEO XXXX with this information and will be suggesting to my XXXX mother that she move her account. This is difficult because of her age and XXXX. This is not common sense banking nor good customer service NOR IS IT THE REGULATION OR LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (GA).
Issue: Loan servicing, payments, escrow account

Complaint: mortgage holder changed hands. New provider escalated interest rate in excess

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Debt collection (I do not know) with Alorica Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently pulled my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a financial agreement with this company and neither have they ever provide me goods nor services.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Debt collection (Mortgage debt) with ProCollect, Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Please see complaint file d  X/XX/2017 . It  was sent to another collection company witha very similar name. Correction was made by phone with CFPB but it was sent again to the wrong company.   The correct name for this collection agency is :  XXXX ,  XXXX   XXXX .  XXXX   XXXX ,  XXXX , Texas.    XXXX  or  XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX ,  XXXX , Texas.  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NM).
Issue: Loan servicing, payments, escrow account

Complaint: Loan was sold from XXXX XXXX XXXX to NationStar and I refinanced with the servicer shortly after transfer in response to several solicitations. With XXXX XXXX XXXX, I had bi-weekly mortgage payments automatically set to deduct from my checking account. Once transferred to NationStar, the service is not available to be honored - they utilize a XXXX party vendor ( XXXX XXXX ) however, they charge a {$290.00} set-up fee and a standard monthly service fee ( I 'm okay with their monthly service charge, as this is standard across most convenience payment platforms ) My concern is that the NationStar servicer discourages clients from making bi-weekly payments and their website only allows payments in full. NationStar directs clients to XXXX XXXX where the XXXX representatives advise that NationStar will RETURN any payments which are not for the full monthly amount due.

Company response to consumer: Closed
Consumer complaint received 08-02-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with HSBC NORTH AMERICA HOLDINGS INC. (KS).
Issue: Other transaction problem

Complaint: My mother died in XXXX of XXXX. She had been living in XXXX XXXX. We proceeded to close all her banking account and transferred the funds out here to XXXX. Among those accounts were several accounts in a branch of HSBC in XXXX XXXX XXXX. In XXXX of this year, my wife and i discovered a check dated XX/XX/XXXXissued in the name of my mother and myself from HSBC that had never been cashed. The check was for {$41000.00} and the check number was # XXXX. I contacted HSBC about what was the status of the funds represented by the check I was informed that HSBC did not not keep records beyond seven years. and all records were transferred to XXXX XXXX XXXX after seven years had lapsed. XXXX XXXX found only that the check had been stopped and referred me to the XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The XXXX XXXX XXXX in turn referred me to your office. It seems to me that the bank would keep records for a longer time than seven years. I work with court records all the time and records immediately available on the computer systems go back beyond the year XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Dear Transunion, I am requesting the removal of this bankruptcy ( below ) on my Transunion credit report due to XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX., v. XXXX XXXX XXXX XXXX XXXX, I did not know the source of their information on the Bankruptcy and due to this, Transunion has violated the Fair Credit Reporting Act ( FCRA ). Please remove this bankruptcy ASAP. 

Bankruptcy Ref. # XXXX Since this is a request and not a dispute, I would like to receive confirmation that this Bankruptcy listed on my credit report has been removed within 15 days of the date on this letter. Your attention to this matter is greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Mortgage (Conventional home mortgage) with UMPQUA HOLDINGS CORPORATION (WA).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX I submitted regular mortgage payment plus {$50.00} for principal payment to be applied. This was a friday so the payment would not come out until after XXXX XXXX so I expected the full payment to come out by XX/XX/XXXX. On XX/XX/XXXX I called my normal bank where I hold my checking account to check if my Mortgage bank had taken the fees and payment out. they had not. On XX/XX/XXXX I filed a Research Request with my Mortgage Bank to locate any trace of them trying to take out my payment that I had scheduled, I also contacted my Normal Bank where my funds are, and they had no record of my Mortgage Bank even attempting to take money out. I have other bills, debts so the money was not going to stay in my account forever and I was trying to get the Mortgage company to hurry and take out the funds. <P/>XX/XX/XXXX the Mortgage bank tried to take the money out of my account at a much later date than i had previously expected, hence throwing off my money management schedule, and bouncing back with NSF funds because the money was NOT in my account. Now I am being asked to pay 2 x the mortgage amount and that is unacceptable! I did my part, always paying on time since I signed into this Mortgage, and I have NEVER missed a 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 08/26/2016 about Consumer Loan (Installment loan) with CASH AMERICA INTERNATIONAL, INC. (OH).
Issue: Taking out the loan or lease

Complaint: I took out an installment loan with cashland a subsidiary of cash america. I took out the loan for {$600.00} and by the time you add in their fees I will end up paying {$1500.00} because the finance charge was {$940.00} so close to triple the amount they gave me. They also did not give me any of the paperwork for the loan including the ach withdrawal authorization form. Only paper they gave me was payment schedule and amount they had financed. I think that is outrageous and shady business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Debt collection (Medical debt) with PROHEALTH CARE, INC (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I received notification through a credit monitoring service that I had a past due balance of {$70.00} for a medical appointment several months prior. At no point in time did I receive notification ( written or verbal ) from either the medical office involved or the collections agency. The debt collector fraudulently reported the total amount owed as 4 separate past due balances totaling {$70.00} to the credit bureau, seriously affecting my creditmoreso than one derogatory mark. Since I first discovered the debt through my credit monitoring service, I should not be expected to have paid earlier, nor penalized with derogatory marks. Upon discovering it, I did verify it, and paid it as soon as possible. The CFPB needs to step in here to prevent this company from fraudulently and viciously trashing my credit, and reach out to XXXX to remove these marks ASAP.

Company response to consumer: Untimely response
Consumer complaint received 03/18/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Balance transfer

Complaint: I made a payment of {$950.00} in XXXX XXXX and realized that I did not have funds in my bank account. I called Bank of America to cancel the payment where I was informed they would give me a refund of {$950.00} on XXXX XXXX, XXXX. Bank of America incorrectly categorized this refund as a purchase made on the card and subsequently charged me interest for the next consecutive 3-4 months because of the way payments are applied. Spoke with three different managers and three different representatives each month and they all made notes in my account detailing that I should not be charged interest because it was a bank error. The last manager noted that the {$950.00} was going to be lumped into the balance transfer promotion and this problem would go away. After 3 months, the problem remains and I keep getting charged interest. I paid the promotional balance in full that ended on XXXX XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/16/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Preventing steering, XXXX sever the essential linkbetween the price and sales XXXX by denying merchantsthe opportunity to influence their customers ' payment decisions andthereby shift spending to less expensive cards. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/13/2015 about Credit reporting () with EQUIFAX, INC. (NE).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: On my credit report. It says I owe XXXX to some said company. This was back a year ago. It says dispute was resolved ; customer disagrees. I closed my cable account and gave them equipment back and left for the military. This is till showing I owe it a year later. I want this off. It has no reason to be there. XXXX dollars for a whole year and I do n't get called on it anymore? It is not needed to be on my report and needs to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX agreed to settle the alleged debt in arbitration two years ago. Now, Stellar has come along and is attempting to collect the debt that was settled with XXXX. 

Stellar is # XXXX for most complaints, and really should be investigated and fined.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Debt collection (Credit card debt) with CAVALRY INVESTMENTS, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The company Cavalry Portfolio Services, which I hold no contract nor have received any services from is reporting a collection account again my social security number in the amount of {$6700.00} with XXXX, XXXX and XXXX credit reporting agencies. 

In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ) I requested Cavalry Portfolio Service provide me with validation of the debt and account ( see attached ) ... on several different attempts by USPS Certified Mail/Return Receipt. ( see attached ) I requested Cavalry Portfolio provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt. 
The agreement bearing my signature stating that I agreed to assume the debt. 
Valid copies of the debt agreement stating the amount of the debt and interest charges. 
Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state, and Your license numbers and Registered Agent As of today XXXX Cavalry Portfolio has failed to provide me with adequate documents to verify that I owe the said debt. ( see attached from Cavalry ) I have made several attempts to contact the credit reporting agencies on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX/XXXX/XXXX and most recent XXXX/XXXX/XXXX and each agency refuses to remove ... indicating Cavalry refuses. 

I would like this company Cavalry Portfolio Service to remove/delete the negative report against my SSN with all credit reporting agencies in regards to the laws and regulations of the FCRA. Under the Fair Credit Reporting Act, 15 U.S.C 1681g ( FCRA )

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: Unable to cancel my account from Experian. Signed up a year ago for their credit-monitoring service and am billed {$27.00} every month. The only way to cancel this service is by calling their phone help line. Every time I try to do this ( have tied over 20 times ), the wait time is " 2 hours, '' but then no one ever picks up. To test, I once left it on all day at work. No one ever picked up. 

This company is a complete scam, fraud and should be fined and forced to allow customers to easily cancel online. 

I've tried to block them through my bank, but each month, they bill under a slightly different name, so it's impossible to block them from charging 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 11/15/2015 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (FL).
Issue: Managing the loan or lease

Complaint: I leased a Regal Buick XX/XX/XXXX, 3 years ago through Ally. The term of the lease was 36 months with XXXX miles per year. I returned the car 2 months ago ( XX/XX/XXXX ) with only XXXX miles. I had still 2 months to terminate the lease and I was aware that I had to paid the remaining lease months, and I did. I left the car in an excellent condition with the normal use/ware of 3 years or XXXX miles. Ally did the inspection and determine that I had to pay for the tires. I paid on time all the lease payments and took very good care of that car, I consider an abuse from Ally to request that I pay them for new tires ( {$940.00} ) when I even under use the car ( XXXX miles less that the contract ) and was return in spotless condition.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation