milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/30/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I applied for a mortgage modification and was granted it in XX/XX/XXXX. Per Ocwen Loan Servicing. No payments for XX/XX/XXXX and XX/XX/XXXX were to be paid per Ocwen. ! st modification patment due XX/XX/XXXX, 1st of 3. That payment was made XX/XX/XXXX. Ocwen is now reporting my mortgage as 30 late, hurting my credit going from 703 to now 504. Tryed to dispute this with Ocwen on XXXX/XXXX/XXXX on phone but Ocwen mortgage will not assist. This false reporting of my mortgage being 30 days late has caused my creditors to now cut my available credit with them in half. I want Ocwen Loan Servcing, my mortgage company to remove this statement from my credit report. My mortgage has never been late but when I applied and was granted this modification by Ocwen with no payments till XX/XX/XXXX, they are reporting it as I did not pay on time ... this is wrong!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TN).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen mortgage foreclosed on my home XXXX while my mortgage was being processed for a modification. I retained an Attorney and Ocwen rescinded the foreclosure. XXXX XXXX. My credit report reflects my property is forclosed. I was recently declined an employment opportunity because Ocwen incorrectly reporting my mortgage to the XXXX credit Bureaus XXXX, XXXX, XXXX .Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I received a letter from LoanCare stating I had insufficient flood insurance on my vacation property. I have XXXX buildings on my property ( front & rear ). I have XXXX policy numbers XXXX for each building. The policy offers XXXX premium options for each policy. LoanCare paid both premium options on the rear building & neglected to pay the front policy. 
After speaking with 16 different " insurance specialists '' over 3 days for over 7hrs I have received 16 different reasons that I do not have any flood insurance, but I do have a so called WIND policy???? I would like an insurance specialist to understand that the error is from them paying the XXXX premium options on XXXX policy only. I was advised today, XX/XX/2017 that I must pay {$630.00} out of pocket to maintain sufficient flood insurance. If I do not make the payment immediately, Lender-Placed Insurance will be purchased at my expense ... and it will be costly.

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 11-07-2017 about Debt collection (Medical debt) with Mid-America Accounts Control Bureau, Inc. (KS).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Mid America out of XXXX MO is calling me repeatedly at my place of employment. They also call my personal cell at all hours of the day including late at night. No information has been received in writing from this business.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied Interstate LLC (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was paid in full creditor is refusing to remove.

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 07/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion inserted several inquires in to my credit report. I was never notified and did not apply for credit. 
inquires below listed are in error : XXXX XXXX XXXX and XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX, personal 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 explanation
Consumer complaint received 12/29/2016 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: ARS Account Resolution Services has ignored my written letters now on 2 separate occasions. They keep sending me a letter stating they have confirmed the outstanding balance of {$1400.00} but have failed to provide the proper physical documentation to validate the debt. XXXX can not provide the original source document according to a phone call with them today. Also even though ARS may not be guilty of breaking federal law HIPAA the medical facility is because I do not have an recollection of signing a waiver stating they could share any of my personal information with anyone other than me. Unless they have this on file the information that they turned over to you is in violation of HIPAA. There are bylaws in place in both the FDCRA and the FCRA that states that if you are going to try to collect on a debt you must have on file the original source document showing my signature. Without it this service or debt can not be validated. Electronic Communication simply saying you have confirmed the debt is not compliant within the law. At this point since I have tried by writing twice now, I am going to ask that you immediately send me the physical documents showing my signature validating that this debt is mine or cease with all collection activity immediately. You are to also send notification to all 3 bureaus removing any collection accounts from all 3 bureaus. If this is not done I will be forced to file compliants with all state and local agencies that you answer to as well as filing a compliant with the State Attorney Generals office asking for a full investigation into your collection practices. You as of this submission have 5 days to answer, comply and supply the proper notification that I have requested. The following accounts are being listed against me and can not be verified properly. 

1. XXXX XXXX. XXXX XXXX. 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 01-04-2016 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was originall with XXXX bank and then was sold to Carrington Mortgage. My first payment with Carrigton was XXXX/XXXX/2015. I mailed a check to get there by the first without realizing that my autopay that I had with XXXX was going to be carried over to Carrington. Even thogh my payment for XXXX was made they still drafted my checking account in XXXX. When I called to resolve the issue the automated system stated that my next payment was due on XXXX/XXXX/2015 ( recognizing that a double payment was made ) However when I spoke to a representative they told me that they could not see that an extra payment was made and wanted me to fax proof from my bank. I did this several times and each time I called back they said they never received my fax. When I finally went to my bank to place a stop payment on XXXX payment so that I could gt back on track Carrington changed the amount of my payment slightly so that stop payment did not work. Today I called Carrington to simply cancel autopay with them so that I could skip a payment since I was ahead anyway and was told that autopay could not be cancelled unless I fax them a letter stating to do so. I fear that they will continue to say they dont receive my faxes and I will be out almost {$1000.00}. It seems like they are intentionally giving me the run around. They refuse to reapply the extra payment to principal or refund the money. I dont know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Student loan (Federal student loan servicing) with Nationwide Doc Prep Inc (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I was looking to consolidate my loans, and I found a company 's number that I thought was related to my loan servicer XXXX XXXX. The company promised that if I paid {$400.00} to have my loans consolidated than I would n't have interest for three years and after this three years, the government would subsidize half of the interest amount. I spoke with three different people from this company ( Nationwide Document Preparation ) and they all confirmed this. I inquired why consolidating cost this much money, because I usually thought it was free, and all three employees insisted this {$400.00} was to ensure that I would n't have interest for the first three years after consolidation. They knew my income and also assured me that with these interest-free years, they advise people making a certain amount of money to try and pay off the loans in their entirety during this time to avoid paying any interest later. Conversations with this company began mid-XX/XX/XXXX. I have an email from XX/XX/XXXX where I gave Nationwide my pay stubs and other information in order to fill out these forms. Once my loans were consolidated and transferred to XXXX, I noticed interest building and became concerned. I tried to call Nationwide Document Preparation and all of their phone lines had become disconnected.

Company response to consumer: Untimely response
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I was an authorized user on XXXX credit cards with XXXX XXXX, XXXX card was for {$200.00} and the other was for {$2500.00}. Its been about 3 months since I have been taken off these accounts and they are still reporting on my credit reports. This reporting is negatively effecting my credit and my score.

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 07-11-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I made a deposit to my family account #  XXXX  at the ATM on    XXXX  17.  The ATM misread the check that was for {$4200.00} as only {$200.00}. I asked the bank teller at the branch whether that evening the ACH would correct the error and was told it would clear out at   XXXX   on  XXXX 17. The bank made the deposit correction but then put the {$4200.00} on hold. They removed the money from my wife 's professional corporate account on  XXXX / XXXX / 17 . I am at a loss as to what BAML is doing by putting a hold on a deposit where they removed money from  XXXX  BAML account and then hold it from our personal account. Finally it was resolved but the CFPB should know about these types of electronic systems that create problems for the customers.

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 12-01-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Account opening, closing, or management

Complaint: I have had a bank account at Chase for about 7 or 8 years. I have filed a number of claims regarding double payments to XXXX with the Debit Card and a Credit Card. The merchant XXXX has been refunding the amounts as expected, it seems more from my efforts than those of Chase. I was told on or about XXXX XXXX, 2015, that the Claims Department was going to close the account without explanation and I would be getting a letter as such. I have never received the letter and the account is now restricted but not yet closed based on the information the Claims Department gave me on the phone.

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 EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Equifax incorrectly reported that the "Current Status" of our XXXX XXXX account was "120+ DAYS PAST DUE" despite being told by us and XXXX XXXX  that it was "Paid and Closed."  This incorrect reporting that went on uncorrected for years caused irreparable harm, including being denied loans and being required to pay higher interest rates for loans and credit that was approved.  Equifax has refused to respond to our XX/XX/XXXX 2017 letter seeking a settlement.  Prior to filing suit, we are reporting this to the CFPB in hopes that your agency may assist with getting a response and settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (PA).
Issue: Struggling to pay mortgage

Complaint: I 've been fighting foreclosure on my home for several years. The current mortgage servicer is Seterus. I retained  XXXX   XXXX   XXXX  to avoid foreclosure without bankruptcy. That 's another issue.      XXXX  was trying to get the sale dismissed while we were going for a modification. He informed me via email he 's just spoken with Seterus and their attorney and they said they 'd consider it if I made some changes to the  P & L in m y modification application. I had a month of losses. they requested that I   XXXX    out the loses and expenses.     It turns out submitting false information on a bank loan, which is what a modification is, is fraud. In PA this is soliciting fraud. Und er US la w this is bank fraud on the part of Seterus and their attorney. That my lawyer,  XXXX  went along with it makes him an accomplice. There 's a story behind that as well.     I had a sale date on my home coming up the following week. Seterus was obviously trying to run out the clock so I could n't do anything about the sale.  XXXX , again, there 's a long story behind this, was backstabbing me and wanted to charge me for a bankruptcy.      XXXX , if he 'd been acting in my interests, could have recorded the call confirming what Seterus wanted and used that as leverage against them to come to a settlement on my home. Instead, he chose to help them for his own gain. So there are problems with the servicer Seterus, their attorney 's  XXXX   XXXX  and my own attorney,  XXXX   XXXX   XXXX .     The email sent by   XXXX   representing the request of Seterus and their attorney was  X/X/14    at  XXXX   XXXX . He 'd claimed to had just gotten off the phone with them.     I have much more in the way of documentation how my own lawyer was backstabbing me but this is the biggest and most important. Representing me properly when they made this request could have completely resolve the issue of the foreclosure of my home just by it 's criminal nature and how serious a crime it was. it 's my understanding that bank fraud is a minimum o f 5 y rs in prison..     I 've attached the first email of  XXX  requesting on behalf of Seterus and their attorney to falsify the P & L in my modification application. I have more emails in support of this.     Before you contact Seterus, you should contact  XXXX   XXXX   XXXX . Seterus has a way of disappearing information. they later claimed they did n't have recordings of our conversations. Before that, and everyone I spoke to since has substantiated that Seterus records and saves every conversation.     By giving Seterus advance warning, they can make it impossible for you to gather proof that you 'll need as they move to conceal it.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Debt collection (I do not know) with TOWER LOAN OF MISSISSIPPI, INC. (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I owe a loan 2 years ago in Tower Loan XXXX. Amounting more than XXXX , admit I have delinquent account to them in XX/XX/XXXX.I moved to XXXX from XXXX in XX/XX/XXXX. From there I never received any demand letter from XXXX XXXX XXXX, When I check my credit report in XX/XX/XXXX I saw the address tower Loan XXXX XXXX XXXX XXXX XXXX XXXX # XXXX .I contacted them to settle this account amounting XXXX $ but they said I do not have the account there I need to call XXXX Tower Loan I called and talk to the manager but said he needs to talk to their lawyer because he do not know how much I owe. They said They will call me back but since then they never called me back and I called the branch many times unfortunately they can not give me any amount I keep on calling on the branch XXXX but still do not have the amount for me to settle the loan amount.Until XX/XX/XXXX I despute the Tower Loan for collection because they can not give me information how can I settle this to the 3 credit bureaus Tower Loan verified that the item is correct so it will remain in my credit history because the company verify it correct as of XX/XX/XXXX. I called the address appeared in my credit report / history the same thing they told me I do not have an account in their office but it was reported in my credit history the address and the amount and when I called Tower Loan again in XXXX they can not provide the amount because they need to talk to their lawyer. I 've been calling them for almost a year to settle the collection appeared in my credit report but Tower Loan XXXX can not provide me the amount and the address appeared in my credit report where I owed a collection/ charge off of XXXX XXXX my account is not listed there and they said that they can not provide me information about my charge off / collection because I do not have account to them. They reported in the 3 credit bereau as of XX/XX/XXXX and verified it correct but when I called them the same thing they will say that I do not have an account from them. Since they can not provide me how much I owe and they are not helping me to settle this account in Tower Loan, I am filling complain against Tower Loan for giving wrong information about my account and the address appear to my credit report they do not have my information and data for the said loan. I even send an email through their website customer service and dispute it to them but no actions were made. I do hope you will help me to erase/delete the wrong information that they put in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Debt collection (Medical debt) with Radius Global Solutions LLC (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: This company has sent me a dunning letter suggesting I send them a written letter or the alleged debt would be assumed valid. I believe this is an attempt for XXXX XXXX XXXX to abuse the system and suggest I have not already exercised my right for validation. The information they have provided in a previous complaint through one of multiple collection agencies they report to have put on retainer for collection services has been proven invalid and I have documented this Consumer Financial Protection complaint XXXX. This complaint verifies I have already disputed this debt and asked for validation along with requiring further communications to be by written letter only. This company, Central Credit Services LLC has called me repeatedly even though I have written to multiple collections agencies who have each notified XXXX XXXX XXXX of my dispute and my requirement to cease phone calls to any number that may reach me. This CFPS complaint should serve as an additional written communication to again demand this debt is in dispute and I do not want any phone calls as any phone call is an inconvenience to me.

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 04/16/2018 about Debt collection (Medical debt) with GLA Collection Company, Inc. (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt has been paid in full but is still on my credit report which needs to be updated to good standing and collection deleted off my report! My approval code given 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 07/21/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Since Greentree went to Ditech, I can no longer easily make online payments prior to my due date of XX/XX/XXXX. I pay my mortgage at least a week ahead of schedule online. When making payments, there is not an option to choose where the funds are to be allocated. Instead, my monthly mortgage payment is being applied to Principal Only. The result is that it does not register as a monthly payment and I end up " late ''. I have to call multiple times over 3-4 weeks until the funds are reallocated appropriately. Each time I call, I 'm told that it may take up to five days then I get the company tagline of " well, it may take longer because they 're so backed up ''. Even after making several calls and being reassured that no late fees will be applied, I start to get calls at night from Ditech informing me that my payment is late. Their payment system is set up in a way to minimize payments from being made prior to the due date. I would appreciate an explanation as to how to make monthly payments before the due date.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (MD).
Issue: Taking out the loan or lease

Complaint: I was declined a loan from the partnership of Ethan Allen and Synchrony Financial while having a pristine credit record, FICO score of XXXX, $ XXXX in Synchrony Bank and a $ XXXX income. 
Reason given, " insufficient credit history ''. 
It is my opinion that it was because of no chance of default therefore, no interest would be generated, therefore no profit. 
I consider this to be discriminating to a XXXX year old and an unethical business practice and violates truth in advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax had a data breach so now my information is stolen.

Company response to consumer: Closed with explanation