milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/27/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Home Mortgage has been assuring customers that they are paying out their escrow to their Home Owners Insurance Companies, but are not doing so. I have had multiple contacts with the company, to which they do not update that I have called stressing the importance of this being paid. 

In contact with my Home Owners Insurance Company ( XXXX ), they have told me that Ocwen is notorious for not paying their homeowners escrow. I believe they are doing this for financial gain. Since HomeOwners Insurance is a contingency on a loan, Ocwen does n't pay a 3rd party, because if I lose my insurance ( which I did temporarily due to their negligence ), I automatically get enrolled on Ocwen 's very expensive Home Owners Policy. 

I was forced to pay out of pocket for my Insurance, even though my money is in the escrow account. Now I want my money back from Ocwen, and they are pretending that they have no knowledge of my request every time I call. 

They are able to keep my money and not pay me back, but if I keep my money and do n't pay them the due mortgage until they refund me, then I lose my house. This is XXXX banking at it 's finest.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (MN).
Issue: Other transaction issues

Complaint: We annually transfer a donation thru WesternUnion to the XXXX university in the XXXX XXXX. The transfer is made to a personnel acquaintance. This year when he went to pick up the money, the local agent took the transfer codes and indicated it would take some time and he should wait a few minutes. When he returned to the agent they indicated the money was not available. As the sender we received notification that the money had been transferred. 
We put in a complaint thru Western Union on the transaction failure. During the course of XXXX follow up telephone calls one of the Western Union agents admitted they were seeing local agents defrauding customers. However they would do nothing other than confirmation the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Experian has been contacted more than the allowed times on a agency called municipal credit union. This account has never been verified in writing with proof to me as requested from Experian showing that I have any account. Negative or positive. Experian always says verified with no proof. Experian has also placed three names on my credit report and one name is not mines following any government i.d . the company is dishonest

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 07/27/2017 about Mortgage (FHA mortgage) with West Coast Servicing, Inc. (FL).
Issue: Trouble during payment process

Complaint: I am writing this complaint to address the fact that I did a modification with my previous lender ( XXXX XXXX XXXX, XXXX ) 3 years ago who sold the loan to the current loan servicer ( West Coast Servicing ) ; when the modification was finalized the balance on the account was brought current. I have been working with West Coast Servicing and gave them proof that the loan was brought current from the modification and they are insisting that I owe them XXXX dollars. Please see supporting documentation that I have been making all payments for 3 years and the account is brought current. Included in the attached are the paid checks for Year XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX are available through West Coast Servicing because I submitted those statement directly to them.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2016 about Student loan (Non-federal student loan) with CITIBANK, N.A. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I sent in the payment that was due for the month. The payment contained a little extra with a note, " apply excess to Loan XXXX. '' Instead of applying the amount due to each separate loan and the extra to this specific loan, it applied it all to Loan XXXX. We received calls saying that it was past due and asking to collect. When asked the last payment they could see that it was improperly applied. We were then told to change where we sent the money and to add the -XXXX at the end of the payment so that it would be applied to all. The -XXXX has already been added as requested earlier as this has happened exactly the same way for the last 5 months. We had been told to send it to the Exceptions Center and that this should solve the problem. We have been doing that. We are now being told that we should send it the regular processing center with -XXXX and that should solve the problem. Yet, we already send it with -XXXX and it is still not processed appropriately. This has been a recurring problem since XXXX 's payment was mis-applied. The same thing has occurred each month since. We get multiple collections calls asking us to pay for what has already been paid and that Citibank has been unable to process correctly. When speaking with representatives they give contradicting advice to solve the problem. We have spoken with someone who stated they would make sure the check was applied correctly after we filed a complain previously, and yet that was never done for that month. Even after following what she told us to do to do, the problem continues. We feel harassed. We get the calls on Saturdays, Sundays, and holidays. Several times the representatives have refused to speak to those authorized on the account and asked for personal information that was not necessary to give over the phone. The most recent representative who called to collect was respectful and did try to help. His information did contradict what was given previously. It seems as if they would prefer us to not pay extra to solve the problem. We understand we can only pay a little extra now, and yet do not want to be penalized for paying extra.

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 12/22/2016 about Bank account or service (Checking account) with PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT).
Issue: Problems caused by my funds being low

Complaint: I made a deposit ( XX/XX/2016 ) and receive no notice of delayed availability. The balance on my account after the deposit reflected {$73.00} and the item that came in was {$73.00}. I thought my deposited funds would be available to cover subsequent payments. The balance alert came through on my account as of XX/XX/2016 reflecting a balance of XXXX. Based on this information, i did n't know there would be a fee since i made the deposit the same day the item is showing on my activity. I am confused, as to how this is done. The payment came through on my account and item was paid and a fee was charged. Why was n't i notified at the time of deposit that something was pending on my account. Had i known by notice by the teller or notice on my receipt that my funds are not available i would have transferred money into my account to cover this item.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On vacation in spring of XXXX, I went to visit my family in XXXX XXXX XXXX. While in XXXX, NY I lost my wallet. I searched for my wallet high and low with no success. Upon the realization that my wallet was gone, I contacted XXXXXXXX XXXX and XXXX. When I contacted the bank, I discovered that my bank account was depleted. There were also several unauthorized charges which included : XXXX monthly passes purchases, random locations based out of XXXX XXXX, NY, and several other unknown purchases. All of my identification and checks were lost including drivers license and social security information. I had to replace everything. Moving forward, I purchased a house for myself, spouse, and children in XXXX and became ill due to complications as a XXXX XXXX XXXX. Therefore, I was XXXX XXXX in the Spring of XXXX by the Department XXXXf Veteran 's Affairs. During this process, I ordered my credit report because of the denial of credit application. I discovered that there were numerous fraudulent charges that I was unaware of. I contacted Equifax, XXXX, and XXXX about these charges. Sending requests to dispute, these fraudulent charges, these accounts had already been sold. Despite this I sent I contacted XXXX XXXX XXXX, XXXXt, and XXXX XXXX XXXX XXXX XXXX XXXX because they were the charges that I did not authorize and had no knowledge. I reached out via certified mail and telephone correspondence. I received a letter XXXX/XXXX/XXXX from XXXX XXXX that stated- unable to locate an account. I completed a police XXXX for transactions. Despite writing letters to XXXX and XXXX on XXXX, XXXX. I have yet heard back from XXXX or XXXX as these accounts have been sold. Per Equifax, I submitted my police report information and FCRA 605b, identification for verification of identity. There has been no resolution. I received a letter from XXXX XXXX XXXX XXXX on XXXX with my no signature or contract. After three months of writing letter, there is no validation or attempts to reconcile this injustice. Equifax refuses to correct this injustice and I have complied with all requests to get the issue resolved. I am reaching out to your agency for assistance because I have diligently worked to remove fraudulent accounts. Therefore, I can not risk or afford for my credit to be impacted in such a negative manner when the transactions were not authorized and can not be validated by the debt collectors. 
Equifax has placed the debt twice on my report, illegally. I have contacted the credit bureaus, numerous occasions stating the previously. I have filed on XXXX, XXXX, and XXXX I have formally requested via certified mail, please assist this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/21/2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: As of XXXX 2016, my credit scores was XXXX, my debit to credit ratio was reduced, my credit limits were increased, as of today no negative information including inquires were place on my Experian credit report. I applied for a low interest credit cards and was notified my credit scores was lowered to XXXX. 
I attempted to reach out to Experian to obtain explanation and copy of the report, first problem which I have filed several complaint about, is due to the fact I have filed complaints against Experian I am now discriminatorily placed in a special department and only permitted to speak with one representative. If that representative is not available I have to wait days sometimes weeks for a response. 
In addition Experian database was attacked and I am suppose to have free credit protection and access for a set-period of time which I have been denied. 
I placed several calls to Experian to obtain copy of credit report and scores and rational for lowering the credit score to date Experian has refused to provide credit reports, scores. 
Each time I called I have been told I am able to go online to retrieve the report this is not true please find attached a copy of denial of online access from Experian. 
Therefore, I requesting the CFPB investigate the above mentioned discriminatory actions and enact, enforce laws that protect the consumers from this abusive practice.

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 06-05-2015 about Debt collection (Medical) with Bonded Business Services, Ltd. (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: While I was inundated with XXXX XXXX, multiple XXXX, XXXX and related needs for same and unable to take care of any of the obvious needs, a judgement was issued. I attempted to contact the debtor and get the information but have not received a verification of debt. 
The debtor has attempted to garnish the bank account and this is the only means of survival since our only income is Social Security Benefits. We have since received a pattern interrogatory from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-05-2016 about Debt collection (Payday loan) with SECURITY FINANCE CORP (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I got behind on my payments and have n't had a chance to get caught up but they continue to call over and over. I ca n't answer and reason with them because they do n't want to hear what I have to say and if they are offered a XXXX dollar payment it is n't good enough. I was going to pay twards my account but my wife had to use all the money we had to go twards hers so I could n't pay anything on my account so they call me every day now even on the weekends. When you do talk to them they try to bully you into renewing your loan even when you say you do n't want to. I 'm tired of dealing with them and it 's about to the point where I tell them to send it to collections and I will just pay it off that way I ca n't stand to deal with them anymore

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Each month for the past three months, the " current payment due '' as listed on my account summary page on XXXX has not matched the " current payment due '' on my monthly bill ( PDF ). I did n't realize the discrepancy the first month, so I submitted the " current payment due '' as listed on my account. Several days later, I got a message posted to my online account notifying me that my student loans were delinquent because I had not paid the correct amount. I immediately paid the delinquent amount ( i.e. the difference between what was listed as current payment due on my billing statement versus the current payment due as listed on my account summary online ) to avoid a negative impact to my credit rating. However, this has happened now for an additional two months, so I finally called FedLoan customer service where the representative told me that this is a " known issue '' and they have their " IT guy working on it ''. As she explained it, apparently this is an IT issue that is causing the two " current payment due '' amounts to not equal each other. Understanding that data issues are troublesome, I am submitting this complain because this issue has persisted for at least three months at this time and is causing other borrowers ( such as myself ) undue confusion and has the possibility to negatively impact our credit. As this is apparently a known issue that has yet to be unresolved, I would expect that FedLoan Servicing would notify borrowers of this known issue to avoid confusion ( at minimum ). However, this has not happened so my hope is that this complaint will educate other borrowers of FedLoan Servicing 's current IT issue.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Credit hurt by multiple credit inquires within two months. Only one authorized but XXXX XXXX via XXXX XXXX has 2 inquires weighing on my credit. I only authorized one. Banks are also forcing me to pay back money sooner by tarnishing credit with unauthorized hard inquires and other devious practices. XXXX XXXX and XXXX XXXX will loss my business because of this over-time. XXXX will not allow me to dispute my hard-inquires??? I have not requested any new credit and hard inquires are showing up. Not fair to consumers. Please tell me they are not going to let big business and Banks walk all over American People?

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 07/27/2015 about Consumer Loan (Vehicle loan) with GOLDMAN SACHS BANK USA (GA).
Issue: Shopping for a loan or lease

Complaint: GE Capital declined a loan application for a Bobcat vehicle on XXXX/XXXX/2015. They have repeatedly and consistently refused to provide me with information about why they declined this application and where they got any information they used to decline. They financed an identical machine for me about 6 months earlier. One of my local bankers checked my credit report the same day and reported that my FICO score was XXXX, as it should have been at the time, and that there were no derogatory comments listed. I 've received XXXX communications from GE CAP. 28 days after the decline they senbt me a letter stating that if I wished to know why they declined I would have to send them a written request. I did so even though Federal law requires them to have notified me of the problem within 30 days without any action on my part. I received no further communication from them until I filed an internal complaint with GE through my payment contact. I then got a letter two days later stating " Delinquent past or present credit obligations with others '' and The decline was based on limited and poor credit on the company not your personal credit. " They provided no further information as to where or how they have gotten what must be incorrect information. I can not fix the problem when they refuse to tell me where it came from. They 've refused to respond to repeated emails and there is no phone number to reach those people that even internal GE CAP people can find. I 've been told that all I can do is snail mail the address the letter with no useable information came from. And I get no response. GE CAP has consistently and repeatedly refused to comply with Federal law by refusing to tell me where they got information which they used to decline this credit application. 

Application # XXXX Date XXXX from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX 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 02-02-2018 about Debt collection (Medical debt) with Harvard Collections, LLC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX-17 XXXX XXXX {$230.00} Didnt receive any notification from of this debt, no phone calls and no notification in the mail

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Credit reporting () with EQUIFAX, INC. (ME).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX I contacted XXXX regarding my credit card account number XXXX I explained my dispute regarding this account is the XXXX reporting agenciesshow I owe XXXX a " XXXX XXXX XXXX Of '' {$3700.00}. However, XXXX " Charged OffAccount '' as of XXXX XXXX and issued me a Federal form XXXX requiring me toclaim {$2700.00} of this amount as income on my XXXX income tax return. I did claim this amount as required and paid income taxes on this amount. XXXX explained to mealthough I was required to claim this amount as income and pay taxes on it ; and I add in addition, XXXX deducted this amount reducing their corporate taxable income, XXXX submits I still owe them the total balance of {$3700.00}. I know for fact I had to claim as income {$2700.00} of this amount and paid income taxes on it, and I can presume XXXX reduced their corporate taxable income by the larger amount of {$3700.00}. Based on this information, I neither owe, nor does XXXX have any basis of which to claim they can collect, which they did imply they had by stating to me, " Although we are not " actively '' collecting, the balance is still due '', I am not satisfied with their answer ; therefore, I am pursuing you to resolve our dispute based on the above and following, but not limited to, information. XXXX I contacted XXXX at XXXX, her ID number wasXXXX. After I explained my previously mentioned dispute, XXXX said she wouldupdate my account with the XXXX credit reporting agencies based on the beforementioned information I gave her. XXXX/XXXX/XXXX - I receive a letter from XXXX stating the XXXX credit reporting agencies have been updated to state I still owe XXXX {$3700.00}, which includes {$2700.00} reported on the XXXX and the additional {$980.00} ( XXXX, XXXX {$980.00} ). I am submitting this to you to resolve because I am not satisfied with XXXX 's explanations for not removing the amount of {$3700.00} show as " Amount Past Due '' to the XXXX credit reporting agencies. I dispute XXXX should report an " Amount Past Due '' off {$0.00}. Please contact me at XXXX to resolve this dispute. Thanks so much, XXXX XXXX ( XXXX ) XXXX XXXX E-Mail : XXXXXXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received a letter from Afni, Inc. attempting to collect an alleged outstanding debt owed to XXXX XXXX XXXX when I have never had an account with XXXX XXXX XXXX for any product or service.

Company response to consumer: Closed with explanation