milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/13/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage loan servicer, OCWEN, send me my mortgage interest statement ( " substitute form XXXX '' ) for XX/XX/XXXX. 
On it, I noticed a mistake in their favor. 
My property insurance and property taxes are " escrowed in '' with my mortgage payments. 
The annual property insurance of {$590.00}, was mistakingly deducted from my escrow account XXXX, on XX/XX/XXXX and again on XX/XX/XXXX. 
I contacted OCWEN on XX/XX/XXXX about this issue. 
After many frustrating hours on the phone, with people in XXXX and the XXXX, finally employee XXXX, ID # XXXX, discovered what went wrong : They mailed the payment XXXX to a wrong address of XXXX, whom I have my property insurance with, then they got the check returned to them and then they mailed a new check to the right address. 
The problem is that OCWEN deducted the amount XXXX as disbursements from my escrow account, and never reimbursed me for the mistakingly XXXX deduction from my account. 
A supervisor, XXXX, ID # XXXX, XXXX, ID # XXXX and I had a conference call about this issue and it would be researched. 
On XX/XX/XXXX, I had heard nothing, so I called OCWEN again, and only after suggesting that I might take legal action, did I get connected for the XXXX time with somebody in XXXX USA. His name is XXXX, ID # XXXX and he is a manager for OCWEN. 
Finally he understood and saw the problem, which can be very easily seen on form XXXX, and he figured the issue will be fixed in a couple of days. 
A week later, on XX/XX/XXXX, he called me, but had absolutely no information other than that the issue is not resolved. 
I waited till XX/XX/XXXX to call XXXX again, who had given me his phone number and extension, XXXX ext. XXXX, only to get an answering machine. 
I left a message with my phone number, loan number and a reminder of the issue. 
On XX/XX/XXXX I tried to call several more times only to get an answering machine. 
On XX/XX/XXXX I left another message. 
Up to this moment in time I have not heard from XXXX or anybody else from OCWEN. 
I called the " note holder '' of my loan, XXXX, and they informed me that OCWEN has the servicing rights, but that OCWEN does not work for them. They said I would get results solving this issue by filing complaint with you, the CFPB. 
All in all, OCWEN has now been shorting me on my escrow account 16 days short of one whole year, and known about and admitted to, the {$590.00} mistake for 34 days. No action has been taken to reimburse my account and I am being completely ignored with all my phone calls and messages to the employee who would handle this issue, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NC).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On XXXX XXXX and XX/XX/XXXX I wrote checks for {$750.00} each day to XXXX XXXX, a company I contracted to do work on my home. The checks were cashed on the day they were written and were posted to my checking account on those days. 
On XX/XX/XXXX Wells Fargo posted those two checks to my account and took the funds from that account. 
In XX/XX/XXXX I contacted Wells Fargo concerning this and they " provisionally '' returned the funds to my account while they investigate. 
I have attached bank statements showing the same two checks cashed on two different occasions.

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 02-08-2016 about Debt collection (I do not know) with USCB, INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have contacted USCB America 3 times by certified mail as well as disputed the fraudulent account with all XXXX credit bureaus and they allege the account belong to me. I have a police report on file in this regard and I have supplied a copy of the police report to them. The last time I contacted them by mail was on XXXX XXXX, 2015-it has been two months and they still ignore me but yet and still they continue to report the account. Account Number 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 05-03-2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Negative info is about an account with XXXX which I never open never asked and never sign a contract with them and I never used their service. The amount is {$330.00} Second negative is about an utility bill for {$68.00} for a rental that I never received and I payed after I find this in my credit report.Ater the payment I ask the collection agency to change the info in the credit report and mention that was a mistake as a result of miscommunication. 
They refused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Franklin Collection Service, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I had internet service with XXXX XXXX XXXX that was discontinued and I returned their equipment. 
XXXX XXXX XXXX claimed that they did not receive it and was billed. 
I called XXXX XXXX XXXX and explained that I had returned the equipment and gave them the postal service 's routing #, when they received it, and by whom. 
The person with whom I spoke with assured us that the matter was resolved. 
However, apparently someone jumped the XXXX and turned over the case to the Franklin Collecting Agency. 
The agency called demanding payment. I explained that the matter had been resolved and that they should contact XXXX XXXX XXXX for verification. 
The lady that I spoke with told me that she did n't call to argue with me and demanded payment. 
I have been receiving harassing phone calls since then. I finally blocked their number. However, I still receive calls with a different #. To date, I have XXXX different blocked # 's bearing their name.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Vehicle loan or lease (Loan) with PENTAGON FEDERAL CREDIT UNION (TX).
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint: I applied for  XXXX  loans wit h Penfed CU si nce you have to select a vehicle for low risk loans. After getting my done with  XXXX   XXXX  I took the bank draft from  Penfed  for $  XXXX  and purchased the car on  XXXX   XXXX ,  2017 . After purchasing the vehicle,  XXXX  tried to deposit draft. The draft was returned unpaid. For some reason that loan was cancelled. But the loan that was supposed to be cancelled was not.   After lettin g Penfed know the situation and the delaer contacting me. Penfed refused to issue a new  check or change the loan. The approval was for $  XXXX  for 72 months at 4.50 %. They requested I do another loan in the system and request the same amount. The loan came back with an new approval of only $  XXXX . After talking to and asking  Penfed to please just make loan same as original they refused. The vehicle was picked up last ni ght from my home. Since I work weekends. I now do n't have a vehicle and will have to quit my job since it is  XXXX  miles away. Because I traded in my vehicle so after a month I have nothing.   Penfed gave me a loan and charged me  XXXX  times {$15.00} for overnight service. Why did n't they honor the check? Why would n't they just fix something I did n't do they done. They knew I had vehicle because dealer contacted the m 10 tim es to fix error and  Penfed  refused.   I had $  XXXX  equity in my trade and how I 'm I supposed to get that month back and how soon? How do I look for another job after quitting a $  XXXX  A YEAR JOB. How do I pay my bills and help my elderly parents get around? I think Penfed should honor our agreement just like I honored my country with my military service.   This is just not right.   Now Penfed wants me to take a loan for only $  XXXX  but not my rate is 6.1 % for 72 months. That 's just not right.

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 12/16/2016 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no knowledge of this dept

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Fidelity Rewards Visa is charging me for a check that they sent to a account that is not mine. The amount is for {$14000.00} this amount is XX/XX/18 was the date that the credit balance refund. The merchant has advised that this money was cashed but it didnt appear in any of my 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 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
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 been unable to access my experian credit file via XXXX for the past couple years. I receive a message state to call an XXXX and they will mail one, which the have. Once I receive this completely inaccurate report, I have returned to experian 's website to dispute inaccurate information and I still have to access. I have mailed my disputes without a response on 2 separate occasions, I have made phone calls but after waiting for an hour or so i usually hang up., their website under contact us has no chat option or listed email addresses. I have done a free trail and accessed my account immediately due the possibility of profit for information required by law to come at no cost annually. I have download the experian app which states a freeze alert was place on my account XXXX/XXXX/17. After investigating how this happened on their website it states there is a {$5.00} charge for this. It is impossible to contact experian to see how this {$5.00} charge was paid. It also requires a fee to remove this freeze. I have clicked on remove a freeze alert and I am also denied access to any further information except printing out a page to fill out and mail. I am tired of trying to contact these people, I am trying to move into a new apartment and I am constantly denied due to experians freeze alert as well as information that has drastically changed i.e ... open dates, amounts owed on one account has increase a remarkable 400 % ( {$730.00} to {$2900.00} ) after disputing it with the creditor, who have also reaged the account. I feel Experian had never done any type of thorough investigation as it seems the claim the information is accurate according to the FCRA. Their failure to maintain accurate reports, do thorough investigations, as well as denying me access to my own information, while making any type of access to any type of emoloyee via phone, email, chat, and as far as I have seen US mail is illegal and is the cause of unneeded stress and aggravation. I have contacted a creditor from my report that stated they did not report false information and I need to speak with the reporting agency itself.

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 Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CT).
Issue: Account opening, closing, or management

Complaint: Chase Bank closed down business checking account. Attempted numerous times to get in touch with someone to investigate the matter internally, but they kept giving the same scripted responses : " We have the right to close down account '' " There is nobody else you can speak to, the decision is final '' My personal favorite - " No mistake was made '', which I follow up with " Prove it '', and than they respond with some double talk, and back-pedaling to their previous scripted responses, Chase bank, and many other banks, treat you like a  XXXX   XXXX   XXXX  child. They tell you that magic unicorns exist, give  zero pr oof to back up those claims, and tell you they could not possibly be wrong. How do I know that someone in that deparment is not discriminating against me based on last name? How do I know my account was not chosen at random just to appease  U.S.  Regulators? How do I know that some employee did not take his meds that day, and completely screwed up my the review on my account?     Here is my theory. The risk/loss prevention/closure departments are closing down accounts to appease regualators, and/or their bosses. They choose certain criteria, and if you are unlucky enough to meet that criteria, they shut down account without any real investigation into who you are, or what you do. They get to send reports to their bosses, and regulators, and say " See, look at what a good job we are doing, shutting down all of these 'suspect/risky ' accounts '' ... " Now, please look the other way while we allow the real criminals to keep billions in our banks ''.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 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: In XX/XX/2017, I settled credit card debts with XXXX on behalf of XXXX XXXX eliminating my liability on two credit cards I had with them. After more than 3 months, XXXX has failed to accurately update my credit report. They updated the report showing the Settlement payments that I made but still reflect a past due balance and status as charge off/collection. I have spoken both with XXXX and the credit bureaus multiple times without success.

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 09-11-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (PA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I 've tried on numerous occasions ( XXXX ) to lower my payment plan with Navient, which I was advised would be {$250.00} per month. Since my Federal loans were placed on an IBR plan, which equals out to {$0.00} a month, I tried to do the same with my private loans ( Navient ) but I was told that I cant do so, by the customer service rep I spoke to. She also advised me that she audited my assets along with my co-signer ( my mother ) and that I should be able to actually pay my loan in full since my mother owns her house, that alone sounds ridiculous. I was also told if I stop making payments Navient will garnish my wages, which is n't much, along with my mothers XXXX wages. Being that my mother is on XXXX XXXX XXXX, she was advised that all her student loan debt was dissolved and also reimbursed for the payments that were made during the time she was on XXXX, so by law shes not responsible for my debt even though she co-signed. That was honored for my Fed loans -Dept of Education XXXX but not Navient. I explained that to the customer service rep and she was combative and would n't budge. Since Navient is currently in litigation for the fraudulent acts towards borrowers and misleading us, I want to know if anything can be done on my behalf?

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Someone opened a fraudulent account in my name with XXXX.After filing an identity theft report with the F.T.C. and many phone calls and faxes, disputes and emails XXXX agreed to close the tradeline and have it removed from my C.R 's. I tried disputing this many times with all XXXX major Bureaus and XXXX and XXXX both removed the item however Equifax keeps saying that their SO CALLED investigation concluded that it was mine.These people at Equifax are SO INCOMPETENT it is unbelievable! I faxed, emailed them proof that it 's NOT MINE many times over and I am going to upload a letter from XXXX at the end of this complaint stating that they concluded it was fraud and requested that ALL XXXX BUREAUS ERASE IT FROM MY FILE!!! What kind of investigation does EQUIFAX do if any at all? This claim of them investigating is a blatant lie because obviously if they even made a phone call or read the faxes and emails they would have seen I am telling the truth!! As if it 's not bad enough i was a victim of fraud now I have to deal with these incompetent people at Equifax who seem, no not seem.. ARE making it so much harder for victims of identity theft to clear up their file then they make it for the crooks to ruin it.This is insulting and an Injustice and they have to be looked into because as far as I am concerned they are just as bad as the criminals who used my name to open fraudulent accounts!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Debt collection (Payday loan) with Coastal Financial Solutions, LLC (VA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I am receiving calls at home, and work telling me that legal action will be taken on a payday loan that was illegal in the state of Virginia

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My federal student loans are handled by XXXX XXXX ( PHEAA ). 
On XXXX XXXX, XXXX I uploaded a complete packet of materials requesting that my loans be moved from IBR to REPAYE. ( Uploaded XXXX as I always do for IBR paperwork. ) On XXXX XXXX, XXXX I received a notice that I was kept on IBR and my amount was the same. 
I called immediately after receiving that notice and was told the person who processed my application made an error and thought I had not requested the {$5.00} forbearance. The representative told me she would get it re-processed and I would be on REPAYE within XXXX10 days. 
I heard nothing and was still on IBR so called again on XXXX XXXX. I was told it was still in the works and to call back on the XXXX if I did not hear back. 
I heard nothing so I called back on XXXX XXXX and I was told it was being processed that day and that I should NOT pay my bill due on the XXXX. I clarified this with the rep multiple times to be sure I understood correctly that I should NOT pay my XXXX XXXX bill. He was adamant that I NOT pay. He said the {$5.00} forbearance would cover XXXX. 
I am now 11 days past due and have not heard anything back. My account now not only shows my past due payment but also the full IBR amount due for XXXX, meaning that my payment is still on IBR and the XXXX bill was not covered by the forbearance as promised. 
I sent an email on XXXX XXXX, XXXX with all this information requesting some assistance and guidance. On XXXX XXXX I received a reply that was only generic boilerplate about repayment options. 
It has now been 75 days since I originally submitted my request to move to REPAYE.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Deposits and withdrawals

Complaint: The Capital One Branch at XXXX XXXX in XXXX XXXX engaged in negligent action by notifying me prematurely of funds availability on a check drawn on XXXX XXXX XXXX and issued by XXXX, XXXX XXXX Bank. I personally requested that the bank verify this check and time was taken by bank personnel explicitly for the purpose of funds verification. Later, it became very obvious that the check was not verified before deposit. Please note that the check was never signed by me because I was waiting for verification before signature. After the Agent verified the check she did not request signature or any information from me. This causes suspect of the banking Agent who returned to the counter and informed me that it was a good check to clear at midnight. I would never have signed this check and deposit it into my account without verification. The check did clear and the funds were in my account by XXXX XXXX with no hold or pending notice. I expected the check to clear. However, I wanted to take every precaution with a first check especially of this amount and from people I do n't know. After the Bank cleared the check I felt safe withdrawing the funds the following day to complete the secret shopping work. Therefore, I did my part well as I always do to protect myself and the Bank. Two days after the bank verified the check ir was charged back and I believe the Bank is totally responsible for the loss of these funds. Either they knew it was a bad check and deposited it anyway or they negligently did not verify it as I had requested leaving me in a very vulnerable place by making funds available to me with no backing. I filed a case with the Bank Claims center who reports that the bank has no obligation nor responsibility to me as its customer regarding the loss of these funds. ( see attached letter ).

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Credit card () with SYNCHRONY FINANCIAL (WI).
Issue: Other

Complaint: Ever since Synchrony Bank took my BP Visa Credit Card from XXXX XXXX, I 've had nothing but trouble. I think I finally figured out their scam. By not allowing customers to make payments online, due to what they call " technical errors '', and denying use of the credit card at critical times, Synchrony Bank stands to rake in most likely, XXXX from unsuspecting clients. I 'm hoping the CFPB will be able to look into the practices of Synchrony Bank. Why their webpage is down so much, why when I schedule a payment their site denies it, or just schedules it on the next billing cycle. This institution seems to be controlling what, how and when I use my card, then lets the balance linger through " technical issues '' until they can charge another interest fee which is non-negotiable. Is it because they offer the gas rewards they feel they can ripe off the consumer? Sounds to me like there is something going on with Synchrony Bank.

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