milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-09-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with OCWEN LOAN SERVICING LLC (CO).
Issue: Trouble during payment process

Complaint: Ocwen is our second mortgage provided and we are able to payoff the loan. Our payoff quote included : Satisfaction Fee = {$28.00} Payoff Fee = XXXX It appears that this information is not included in the Payoff Requirements and Conditions. 

How greedy is this lender.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Application, originator, mortgage broker

Complaint: I am currently trying to get a title release on my mobile home. My mother deeded this property to me early XXXX. While trying to get a mortgage loan to consolidate, I ran across a lien being held on the doublewide I currently live in. This lien is thru the XXXX as being held by XXXX Bank of America XXXX. I have contacted the bank almost every day for the past two months. Bank of America is telling me that they have no records of title numbers, VIN numbers or of the loan number. After involving the XXXX office I was required to get authorization information. Since my mother has passed I had to wait until 60 days had past from her date of death to get heirship papers and Virginia XXXX XXXX XXXX XXXX documents. I have included those. 

To give a background and an explanation of the information I have sent I will start from when the property was first bought : My father XXXX XXXX XXXX and mother XXXX XXXX XXXX purchased this mobile home in XXXX and the first loan was at NationsBank paid in full XXXX. A certificate and Affidavit of Satisfaction was completed and recorded. ( I think this is where the title was not released and where the problems are rooting from. ) In XXXX of XXXX my parents divorced, attached in their settlement agreement XXXX ( mother ) was to receive as her sole property the double wide and the land. In XXXX XXXX my mother only went through NationsBank for her mortgage loan after the divorce. NationsBank sold out to Bank of America and took the loan over at some point. The loan was paid in full in XXXX. A Certificate of Satisfaction was completed and recorded. I also had the XXXX a record of what bank is holding the lien.

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 10-09-2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I called the XXXX number ( XXXX ) and ordered all XXXX reports on XXXX XXXX, 2015, and when I did not received the reports within the 15 day time frame, I reordered all XXXX reports again on XXXX XXXX, 2015. To date, I still have not received my free annual credit reports. As a result, I called each of the individual credit bureaus ' automated telephone lines in an effort to order my reports from each bureau individually. The credit bureaus ' automated systems denied me my free annual report. Further, I placed a fraud alert on my files with all XXXX when I did not receive the credit reports within the promised time frames. I understand that I am eligible for free credit reports as a result of my placing fraud alerts on my credit reports as well. I was denied the free reports as a result of the fraud alert being placed on my files as well. All of the bureaus attempted to charge me for the reports -- even though I still have not received my free anuual or the free report as a result of the fraud alerts. Needless to say, I am very concerned as to who has the reports and the fact that I have not been able to check to see if it is being viewed illegally or for other purposes. I contacted all XXXX bureaus again, and I received confirmation numbers ( after personally talking with a representative and trying repeatedly to get my free reports ), I was given confirmation numbers and a promise that the reports would be mailed out to my address. I will provide an update as to the status after the time frame to which I am supposed to receive them has expired.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: To my knowledge I do not have any outstanding debt as its being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: To whom thi s may concern : I 've been trying to resolve the multiple negative student loan accounts on my credit report. The Credit Bureau (   XXXX   XXXX   TransUnion )  are neglecting to verify the accounts properly to determine which ones are duplicates or   original. Due to poor lack of investigation and communication I 'm requesting that all of the accounts be removed. All of the loans in question were recently consolidated but the negative accounts that have been reported are hurting my scores.

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 02/26/2017 about Student loan (Non-federal student loan) with AES/PHEAA (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Hello! I had a federal student loan ( XXXX ) and consolidated them in 2005. My balance at the time was close to {$31000.00}. I have been making regular payments since that time and my debt has only gone down to roughly {$27000.00}. I pay between {$9000.00} and {$11000.00} a year in finance charges and am having difficulty paying it off. I have called numerous times to try and lower my interest rate but I missed a payment back when I combined the loans and they said it disqualified me from the interest reduction. I also can not transfer it to a lower interest rate. I am currently paying 6.75 % interest. In the past, I have called for different payment options to pay it off faster and they directed me to the graduated plan. I recently called for loan forgiveness and AES said that I have to pay {$250.00} for the next 11 years and that is their loan forgiveness program. I have already been paying for 11 years. I had XXXX then transferred to XXXX and then XXXX and then they sold me to AES. Thank you for any guidance.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Back in XX/XX/XXXX I noticed a lot of address that did not belong to me on my experian credit report. Also I noticed names that did not belong to me and a birthday. I contacted Experian through mail and sent a copy of my drivers license, ss card and a utility bill. They did not remove the wrong information. 

XX/XX/XXXX I sent another letter notarized with my Drivers license, ss card and utility bill. They sent me a report back XX/XX/XXXX and they still did not remove the wrongly reported information from my 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 non-monetary relief
Consumer complaint received 07/27/2016 about Bank account or service (Checking account) with PNC Bank N.A. (NY).
Issue: Deposits and withdrawals

Complaint: There are two issues with my account : 1 ) on XXXX XXXX I was erroneously charged an overdraft service fee tor a debit card charge. 
When I opened the account I opted out of having debit card charges overdraft account as they should be rejected. 
In the past debit card charges that exceeded my account balance were rejected in fact there was a debit card charge rejected on the XXXX so why was I erroneously charged on the XXXX? 
2 ) on XXXX XXXX I made a check deposit of {$100.00} yet on the XXXX this deposit was reversed. I have yet to receive a notice or any information as to why this check was reversed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-03-2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (SC).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I have tried numerous times, during the past month, to link my TD checking account to a brokerage account ( s ). For whatever reason, TD Bank locks me out of my account, during the actual process of trying to link my TD checking account to my brokerage account ( s ). 
I am presently on-hold waiting for another 35+ minutes, on the telephone, for a CSR to assist me. This is the second time, today, that I 've had to deal with this ridiculous situation. This morning I tried to link my TD checking account, a few minutes ago, I tried to link my TD debit card. 
I 'm also perplexed, as to why on the TD login screen where the question is asked about 'Where did you open your TD account? ' There are only three available state choices, and they are : Connecticut, Delaware, and Florida. .Well, that 's a problem in itself, because none of these states apply to my account. Then, to top that off ... The customer is forced to actually lie, in order to move forward, to the next screen. So, my first choice was Florida, since it 's also a state in the southeastern U.S.. My account was opened in South Carolina. , and that state is not one of the available choices. 
As a former banker, for many years, my banking expertise tells me that this issue is definitively one that needs to be addressed, IMMEDIATELY. 
Honestly, I am so fed-up with this particular TD Bank problem, until I 'm contemplating disassociating myself with TD Bank. It has truly become a vine of thorns in both of my sides, and is not worth the constant aggravation. 
I also bank with two other banks, and I have never had a chronic issue like this before. I have banked with one of those banks for over 34 years. 
Please try to convince TD Bank to remedy this issue. Problems like this, are really not good for TD Banks reputation, customer service relations, and quality of overall services. 

Warmest regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Mortgage (FHA mortgage) with KEYCORP (OH).
Issue: Closing on a mortgage

Complaint: I was scheduled to close on Thursday,  XX/XX/XXXX . On Monday,  XX/XX/XXXX  Keybank got word that I had opened up a new line of credit. I was told ( I believe by the next day ) to simply close this account and to provide the letter stating that I had done so. Of course it typically takes a few days to receive this documentation so a new extension was created through  XX/XX/XXXX  or before and my file was being sent back to clearing conditions. On XX/XX/XXXX  my agent got word back that Keybank was trying to deny my loan because there was some paper work that was missing which I do n't understand because we had literally just had a date, time and place scheduled for closing. She was told that something had went wrong with the loan number in the system and that Keybank would possibly have to begin a whole new application and go through the underwriting process all over again. The issue is that because of several extensions prior to this, the seller which is a bank is not willing to extend our deal past  XX/XX/XXXX . I feel like no one is giving me or my agent clear answers as to what is going on and I feel like there is foul play going on. It sounds like I 'm suffering because of the bank 's " error '' and that is totally unfair. I run a business out of my home and you have no idea how this has impacted me. Not to mention I put up {$2100.00} earnest money that I can not just afford to throw away. No one is calling back explaining whether or not we can meet this deadline or what happened exactly and it is very frustrating.The entire process has not been pleasant. If it is an error on Keybank 's part I feel like they need to provide a letter or something that persuades the seller to allow them the time to correct their mistake. I 've done my part as a buyer and should n't have to suffer for it. There is no reason why I should n't be able to move into this home.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Problems caused by my funds being low

Complaint: I became ill in 2009. I was XXXX. I was charged fees of over {$600.00} by Bank of America for a roughly {$100.00} overdraft. They say they had a contract with me. It is my contention that I could not honor the contract not could they engage in a contract with me because I was XXXX. I have since become XXXX and am diagnosed with 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 01-01-2018 about Debt collection (I do not know) with Viking Client Services, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I 've sent letters to Viking Client Services requesting specifics on this alleged debt. I do not have a contract with Viking or XXXX XXXX XXXX. I have not received nor made payments to either of these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Debt collection (Payday loan) with Highland Capital (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I was contacted by this company who is threatening to sue me. So i entered into an agreement to repay the debt. I was sent an email of a letter after i asked that a physical copy be mailed to me. i then noticed small typos and no street address only a po box . However i was unsure of the laws, and felt a little uneasy so I checked my credit report and I did not see the debt they are attempting to collect so I assumed it had been charged off or was too old to be collected. After trying to research the company I am now afraid that they may not be legitimate and maybe be trying to collect money from me for fraudulent purposes.

Company response to consumer: Untimely response
Consumer complaint received 07-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I had a payment of {$530.00} coming due on X/XX/17, after an expired forbearance year. In mid-XX/XX/XXXX, I requested and submitted proof of income for a Revised Pay As You Earn. After waiting for over two weeks, I got a response by calling. I was found not eligible for that or any other types of plans that would reduce my monthly payment. I mentioned that I have worked for XXXX for several years to see if I could be eligible for something else that could lower my payments. I was transferred to another agent who indicated that my loans would need to be converted into direct loans ( which I 'm not sure what implications that carries ), to apply for forgiveness since I work for a XXXX. Turns out that would lower my payments by {$35.00} ( down to {$490.00} from the original {$530.00} ) ; this brings an attached set of conditions and requirements like everything else. I 'd like to understand why is it impossible for me to get the monthly payment to be reduced by a significant amount that would allow me to pay and not have such a negative impact in my family 's budget.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NC).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On XX/XX/XXXX a payment of XXXX was made on my Home Depot Credit card. The payment was cash and was made at the local home store in XXXX NC. The payments were made in 3 different transactions as the cashier stated that is the only way she could complete. The payments were made on XX/XX/XXXXat the following times XXXX XXXX XXXX autho code XXXX, XXXX made at XXXX XXXX autho code XXXX and XXXX at XXXX XXXX autho code XXXX. I have the original receipts. The payments were never credited to my account. On XX/XX/XXXX I contacted the company and filed on a dispute on XX/XX/XXXX I faxed a copy of the receipts to the Home Depot dispute department as instructed and followed up with several phone calls to verify that the fax was received and was told they had received them. Provisional credit was given to my account while the research was completed. On XX/XX/XXXX I went to the local store and they too called the disputes department and verified the payments. On XX/XX/XXXX I received a letter stating that I had n't supplied significant evidence to support my dispute, not sure what more I can send other than their store issued receipt. On XX/XX/XXXX I contacted the company again and was told they do n't understand what 's going on they will re open the dispute. I have worked to get this corrected for 2 months. I have all the supporting documentation and do n't understand why the company is not only refusing to credit my payments but have negatively impacted my credit which has no late pays or any negative issues as I take great care of my credit and am at my wits end and need some help. I do have copies of the receipts but they are paper copies and can fax the documents

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 02-06-2017 about Credit reporting () with AMERICAN EXPRESS COMPANY (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am a victim of ID Theft and I have been watching my credit file, I was so surprised to see that there are over XXXX inquiries from American Express. I had to file a police report and I contacted American Express. They do not appear to be very concerned and told me it appears that these inquiries are probably fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Debt collection (I do not know) with Direct Recovery Services, LLC (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Direct Recovery Services has repeatedly called, my husband, my ex-husband, my ex-husbands wife, my ex-mother in-law and myself. The woman has been given the information of my Bankruptcy Attorney on two occasions and was informed any further communications needed to be done through him. She continues to call regardless of having been given this information. Furthermore she is informing people other than myself that she is a debt collector calling regarding my balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
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 've been trying to resolve multiple negative student loan accounts on my credit report. The Credit Bureau ( XXXX, Experian, XXXX ) are neglecting to verify/validate the accounts properly to determine which ones are duplicates or original. Due to poor and lack of investigation and communication I 'm requesting that all of the closed student accounts be removed. I have one student loan account and the negative accounts that are showing as paid off are hurting my scores. Also, there is a collection agency called XXXX XXXX account that 's showing on all three bureaus that has n't been removed after failure to validate the debt.

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 02/24/2017 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Settlement process and costs

Complaint: For 10+ years now, the ex-wife, XXXX , has refused to remove my name from the joint-loan home mortgage, which is located at XXXX XXXX, XXXX XXXX TX XXXX. 
The ex-wife 's social security number on the divorce decree states it is : XXXX 
At current, and through public info online, I believe the ex-wife resides somewhere in Texas, specifically not at the above named address, and a cell phone number that has her actual voice recorded on voice mail is XXXX. It is unknown if she actually uses or maintains that phone number. 
Throughout the 10+ years at the above named address, I have discovered several re-modifications have been performed on the joint-loan mortgage without any attempts to contact me. 
Wells Fargo deliberately proceeds to do so, continuously without my knowledge, my approval, or my required signatures. " Discovered '' is the term used, because upon attempting to contact the ex-wife about the joint-loan dealings and when I actually had her contact info, the only intelligible communication was a " XXXX you! '' or, " you should 've dealt with it during the divorce. '' Again, I have also discovered through credit checks online, that the joint-loan home mortgage is regularly not paid on time, or at all, consecutively between 1 and 13 months. I honestly ca n't say how foreclosure has not taken place already! 
I have requested info from Wells Fargo via Lawyer, Mail, or by Telephone numerous times. And my responses range from " none of your business, '' to all further request regarding the home mortgage will be ignored. '' I believe some seriously shady, and quite illegal dealings are going on between Wells Fargo. 
I had to " jump through hoops '' to receive a faxed copy of the Mortgage Loan re-modification from a local Wells Fargo Bank from Wells Fargo Mortgage. Even still, one of the Lawyers stated he could not find adequate records regarding the re-modification. Implying that it seemed fake. 
In addition to the recent Wells Fargo trouble we have seen/read in the media, regarding creating accounts without peoples knowledge, as best as I can elaborate on, I believe this coincides with a very, very similar illegal dealings and account mismanagement.

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