milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/17/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (WA).
Issue: Trouble during payment process

Complaint: Im not sure if this is correctly routed as I am just the buyer on the home and not the seller but nonetheless this needs to be reported. After months of searching a super tough market and i found a home i could afford and that was perfect. It was a short sale so i had to wait a few months to go through the process. I got into contract late XX/XX/XXXX and we wen through all the proceedings and settled on a close date of XX/XX/XXXX. Ocwen and XX/XX/XXXX were the lien holders. We had extensions in place, my loan was approved, appraisal and inspection done and so much work and money put into other parts of the loan .... only to receive an email from XX/XX/XXXX ( negotiators on this deal ) that Ocwen had wrongfully foreclosed on the property without notifying anyone and breaking the contracts/suspension we had in place. The property i was to close on this week is sold. The investor who bought it is going to resell it but for XX/XX/XXXX more ... not something i have. This has been beyond devastating and heartbreaking. I am still in shock. This is beyond NOT ok.

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 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: I was told by Equifax that my information may have been " compromised ''. 
I signed up for their identity protection service offered free. I can not obtain access to my account so that I can freeze my credit file. Also I have not been able to obtain access to other credit companies so that I can freeze my file with them. I receive the message " try again later ''.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Mortgage (Conventional fixed mortgage) with GUARANTEED RATE INC. (VA).
Issue: Application, originator, mortgage broker

Complaint: Broker created a bait and switch, had multiple errors throughout the process ( APR pricing, closing costs, dates ), requested the same documentation multiple time and intentionally delayed the closing by being unresponsive, unprofessional and unclear. 

Through the underwriting process the Broker had several errors in pricing, costs, dates, had several oversights in documentation already provided, requested the same information from multiple sources all in an effort to intentionally delay the process. Broker was also unresponsive for long periods of time. 

Ultimately, he intentionally delayed so that he could raise rates and costs. 

Bait and switch, pricing and costs transparency, did not operate in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: My funds have been frozen because someone said that a quick pay went into my account from their account in the amount of {$50.00} on XXXX XXXX, 2017 that they did not authorize. I did not notice the transaction it used to be you had to accept or decline a quick pay but that is no longer an option. I have not had access to my account since XXXX XXXX, 2017. I had over {$200.00} before the deposit and now I have over {$950.00} ( and that 's without the {$50.00} ) .ive called several times they say maybe by XX/XX/XXXX it will be released

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Jeffcapsys shows a collection debt on my report for {$1200.00} dated XX/XX/2016. Unless proof can be shown and validated, this debt does not belong to me. I only use prepaid wireless phone services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Home Loan Center, Inc. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX XXXX 2017 I thought this was resolved I paid this balance off

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Debt collection (I do not know) with Clearview Resolution Services (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I received 4 calls total from XXXX. They called my cell phone, my home number, and my father 's cell phone on XX/XX/XXXX. I do not know how they got my father 's cell phone number as I have never listed his number with my name anywhere. Ever. but they left similar messages on all of the phone lines saying their name was XXXX XXXX, they were from XXXX XXXX XXXX, a claim was made and documents were in his office with my name, social, and birth date on them. He leaves a call back number which is XXXX. I called the XXXX number, the answering machine said that they were a Legal Services Department ( that 's all it said, no company name, nothing ) and to leave a detailed message and a call back number. I ca n't find any company on the internet with that name or number in my area. I called the XXXX number twice but the call went to an answering machine and told me to visit their website http : //www.clearviewresolutionservices.com/. I could not find any company or information on that phone number either.. So, I did some research on the website and came up with another number which was XXXX XXXX XXXX XXXX, which when I called, a machine told me a whole different company name and/or department, I ca n't remember what it was called. I received another call from the same XXXX number on XX/XX/XXXX, and he basically said because of my negligence, they were going to continue to move forward with the process and urged me or my attorney to contact them on the matter that same day. I figured it was a scam because I had not received anything in the mail about any kind of claim made against me and he did not mention that it was an attempt to collect a debt or anything, he just said a claim was filed against me due to a failed banking transaction and he had all my details. I attempted to call the company a few times today, XX/XX/XXXX, but after repeated calls due to bad phone signal, they kept throwing me on hold without saying anything, one instance where some guy used my full name to answer instead of " How may I help you? '' then the XXXX proceeded to call me 2 more times and left a silent voicemail. I had a similar phone call a few months ago about someone coming to my house to get some claim papers signed, but they called multiple times and left the same recorded message and that let me know it was a scam, so I 'm a bit cautious about XXXX XXXX XXXX trying to scam me out of money.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Managing the loan or lease

Complaint: I originally took a loan from Santander on XXXX XXXX, 2012 in the amount of {$29000.00}. The loan was for 6 years ( 72 months ) at {$790.00} per month. To date I have made a total of XXXX payments, which totals {$24000.00}, and only {$4100.00} has been applied to the principal. With all the payments that I have made {$20000.00} has been take for interest and only {$4100.00} applied to principal. At this rate I will be paying this loan for another 20 years before it would be payoff. 
I spoke to a Santander agent to get some clarity on why so little of my payments where being applied to the principle, the answer I was given was that is how Santander calculates there payments. There is something unfair about the why payments are being calculated. A great example of this is my payments for XX/XX/XXXX and XX/XX/XXXX of this year, both payments were made on time, but my entire payment for XX/XX/XXXX, {$790.00}, was applied only to interest nothing went to the principle. How is that possible? This can not be fair practice, if payments are being made on time and nothing is going towards the principle of the loan, something is wrong. 
I have made 31 of the 72 payments of this loan which is % XXXX of the total loan payments agreed upon, yet I have % XXXX ( {$25000.00} ) of the principle left to pay. There is a great injustice in this. 
I would like Santander to correct this account ( XXXX ) so that the principal remaining reflect that 31 payments of {$24000.00} has been made.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: My credit has been without a blemish for several years. I was a victim in the  XXXX   XXXX  scam that affected thousands of others.Recently, I have applied and was approved for a lower interest credit card that would save me money and yet my  FICO sc ore dropped  XXXX  points and I suffered because of it. Student Loans are high but I am current, never been delinquent and on a nonprofit forgiveness program and  Income  Based Payments. I have  two  mortgages that combined are much lower than todays ' average mortgage  payment. One is a p rimary residence and another for a house that was inherited . ( ren ted out and paying for itself ) Had a credit issue ab out six years a go but recovered and have not been late since. Yet that all equals a lower FICO score. Yet all my debtors report good or very good. Something radically wrong with the system. Believe the system is unjust and needs revamping.

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 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: experian, XXXX, and XXXX  has taken more than 30 day for my dispute a violation of the cra sent police report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Equifax has yet to delete fraudulent identity theft account of XXXX XXXX and fraudulent Michigan address that goes with it. XXXX noticed all three credit bureaus of the fraud on XX/XX/2016. The other XXXX credit companies have deleted the fraudulent account and XXXX address that goes with it. XXXX show nothing done to fix my credit report under its dispute confirmation numbers, XXXX, XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: No it 's my hard inquiries

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 11-01-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: my mortgage company keeps change my fix mortgage payments. By adding things that I did n't ask for and then tacking on interest.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (IN).
Issue: Loan modification,collection,foreclosure

Complaint: Please send the attached request for information per RESPA to Nationstar. I am asking for a detailed breakdown of legal and recording fees to the account. I also asked for a re-calculation of the per diem interest, as I believe a mistake exist in the calculation.

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. (MA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: I received notice on X/X/17 that Equifax experienced a data breach and that my personal information may have been affected. The notice informed me that I am eligible for 1 year ( 12 months ) of free credit/identity fraud monitoring. This is insufficient. If I now know that my data and that of 143 million other people is going to be monitored extra closely for 12 months, then the criminals who stole my data now also know that they should wait 12 months before using my data to steal money and commit fraud. How is 12 months of monitoring sufficient? I am very upset.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Debt collection (I do not know) with MIDCOUNTRY FINANCIAL CORP (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have this account showing on my credit reports but I have no knowledge of this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (FL).
Issue: Trouble during payment process

Complaint: I was a victim of hurricane Irma. I called after the hurricane to get an extension on my loan. I talked to a XXXX in XX/XX/XXXX. She and I filled out all the questions and I was told there would be no problem and that she would be sending me paperwork to sign and send back agreeing to the extension. The extension was for the months of XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX. I was to start payments again on XX/XX/XXXX. I was contacted again in XX/XX/XXXX about my payment. I went through the process all over again with the extension. This gentleman was very nice and apologized for it not going through the first time and did not have a reason why it didnt. Again I was told the paperwork would be sent out and just to sign it and return it. I was then contacted in XX/XX/XXXX from a XXXX which was very rude and said that I was in default and I owed over {$1000.00}. I told him I did the extension and he said that i never returned the paperwork but I told him I never received any paperwork. He at that time told me that I should have called to see where the paperwork was. He also said i only had 30 days to sign and return the paperwork, which i was never told that by the other 2 people at any time that I can remember. I did send my XX/XX/XXXX payment in and also XX/XX/XXXX payment in on time. After doing the extension for the third time with XXXX the paperwork was mailed out on XX/XX/XXXX and was received by me on XX/XX/XXXX. I did call XXXX back before this because i had not received it and he faxed the paperwork to me, I picked it up, signed it and sent it next day mail on XX/XX/XXXX and was told it would be delivered by XX/XX/XXXX by noon that day. They are still telling me I owe them {$600.00} by XX/XX/XXXX which I disagree with but was told thats the only way to get it out of default. I have called twice and have asked them for my loan payoff and was told that they couldnt generate it at that time and would email it to me within 7 to 10 business days. I called back a week later and was told they would have to put in a written request for my payoff amount because it would have to be hand figured out. 

This has also affected my credit score. 

I want my payoff and I dont believe it takes 7 to 10 days for it. 
I kept up my part of the agreement that I would start my monthly payments again on XX/XX/XXXX and was not late on any payments. 

This has been going on for 19 days now.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (MD).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XX/XX/XXXX I was notified by SunTrust that my Debit card had been 'Compromised ' and that they were going to cancel my existing card and issue a new card. After I had been notified someone attempted to access my account by doing a balance inquiry. SunTrust debited my account a 'Non SunTrust ATM Fee ATM Balance Inquiry Fee '. This balance inquiry was not done by me. As soon as I noticed the fee charged to my debit card I contacted SunTrust by phone. This was on XX/XX/XXXX at XXXX XXXX. I was on the phone with the SunTrust Fraud department for 29 minutes and 36 seconds. I was told repeatedly that it was against SunTrust Policy to reverse charges for fees even when they were not incurred by the account holder. For a bank to charge a fee to a customer that they know was not incurred by the customer is beyond ridiculous. I would like to have the CFPB advice SunTrust that their actions are petty and not in the interest of their 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 08/14/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: Navient by far is the worst student loan provider. I am not available during their business hours to talk about the services of my loan. I received and email stating " the program I am entered in is ending XXXX 2017 ''. I took the proper action in writing to them asking how much my payments would go up -- as I can not talk on phone during their business hours as I am working and paid to do so not talk about personal affairs. I have tried for 3 days to get the amount of how much this loan will be going up. NO ONE has been able to answer my question. They all say to call even though I CAN NOT TALK DURING WORK HOURS. I have put in writing that if I am in auto pay that this new amount whatever it is ( since again they will not disclose nor on the website any where does it state what the new amount will be ). They do NOT HAVE PERMISSION to deduct any amount other then I agreed to of XXXX. ( which Is all in writing in several several emails as well ). AS no permission will be granted. I am looking for disclosure of my loans. If they can send out an email stating that this program I entered is going up -- some where on their site MY INFORMATION should be made available. But nobody is willing to direct me in any direction nor let me know where to look! As I am waiting for the end of the month to make sure THERE IS NO NEW DEDUCTIONS, as I have everything in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Debt collection (Other debt) with Progressive Financial Services, Inc. (RI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , RI  XXXX  Prog Fin Srv   XXXX   XXXX    XXXX   XXXX , AZ  XXXX   XXXX  : Acct #  XXXX  To Whom It  May  Concern : This letter is regarding account  XXXX , which you claim I owe {$390.00} This is a formal notice that your claim is disputed.  <P/> I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I h ave ( or ever had ) s ome contractual obligation to pay you.  <P/> Please also be aware that any negative mark found on my credit reports ( including  XXXX ,  XXXX  and  XXXX   )  from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.  <P/> Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.  <P/> Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue.   I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Se ction 807-8 )  Violation of the Fair Credit Reporting Act ( including but not limited to Sect ion 623-b ) Pl ease Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.  <P/> My contact information is as follows :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , RI  XXXX  P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Attorney Generals Office Cc : Better Business 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 explanation