milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-11-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (WA).
Issue: Incorrect information on your report

Complaint: After having an account with  Ocwen  for  XXXX  years, I got laid off from work, and contacted them to see if there was a program that I would qualify for till I got back to work. I have never been 30 days or more past due in the entire time.  Ocwen  indicated there was a program, and had me fill out an application and provide supporting documentation, which I did. A relationship  XXXX   (   XXXX l ) contacted me and told me I was approved, and sent me the agreement which I signed, it allowed for reduced payments for 12 months, and I would be reported in forbearance only, not past due or late, because I specifically asked to make sure. I was assured if I was not in arrears at the time of the agreement I would not be reported past due or late, which I confirmed in the agreement. It states they would only report me past due if I was past due at the time of the agreement and only till it was no longer past due ( till I got it caught up ) since I was never past due it was not an issue. But I got notified by the credit bureau 's they ARE reporting me past due which is in violation of the agreement. I contacted the Relationship  Manager at Ocwen  (  XXXX   )  and she agree 's, she sent in a corrections and the servicing department for some reason likes i 'm past due and refused to reverse the credit reporting error. Today I called in and spoke with another   XXXX   XXXX     (  XXXX  ) she she also agrees they are reporting it in error.  XXXX  sent in another request to correct the account with the bureau 's today, but I thought I better file this report to cover myself and maybe you could help resolve this issue, if they are doing it to me, they  may  be doing it to a myriad of other customers. Please let me know what to do? I have attached a copy of their letter and my credit report, as you can see I have never been late or past due on anything. Help!

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had two visits to two separate hospitals in XXXX 2017. Both owned by XXXX XXXX XXXX. Both use the same debt, and collections agency, XXXX. I was approved for a financial assistance program for my first hospital visit ( XXXX XXXX XXXX ), making that visit cost nothing. This assistance program also covered the ER visit to the XXXX XXXX ( XXXX XXXX XXXX XXXX ), however not the Dr 's bill, which I was given a letter totalling XXXX. Approximately 1 month later, I was given another letter stating that I now owed XXXX, due to the company stating that the " Dr. From the first hospital decided not to go through the financial assistance program '' and I was now required to pay an extra {$600.00} From the first visit, which was already taken care of months prior. After asking to speak to a supervisor, the rep on the phone kept asking why, and would not put me through to one. I then told them I would have to look into this myself. I have not contacted them since. I am an employee in the XXXX XXXX at the first hospital I was seen at, and have spoken with the provider I had on that visit. He himself has stated that he has never said any such thing about reneging on this bill.

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 11/19/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In XXXX 2007 I submitted a Fraud Affidavit as I my credit card had been either lost or stolen. Subsequently charges appeared on my account which I was n't made aware of until I received a letter from a Collection Agency. I contacted the company in writing on several occasions asking for proof that these charges were in fact mine because the credit card had n't been in my possession since that time. They continue to write me letters stating their position has not changed and that I am liable for these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Credit card () with SYNCHRONY FINANCIAL (AR).
Issue: Billing disputes

Complaint: I closed a XXXX account in 2010. There was a balance and I had signed up for automatic payments to be drafted from my account. I received a notice that my credit profile had changed and when I investigated, I found that the card changed XXXX XXXX to Synchony Bank and that they had stopped the autodraft on my account. I contacted the Synchrony Bank to complain and they claimed they would credit me the late fee and remove the credit reporting from my account and send me new paperwork to restart the autodraft. I returned the autodraft form and received a second notice today that my XXXX score dropped because they payment was late. my new statement states they will autodraft the amount overdue ... why did n't they just autodraft the appropriate amount to start? I tried to call the Bank and speak to customer service but received a recorded message that they were having technical difficulties and was disconnected. My XXXX score has dropped XXXX points now and the interest rate on this card jumped to $ 27 %. I would like my credit score restored and the late fees refunded and my previous rate of 12 % restored

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

Complaint: My credit report was stolen from equifax servers without my consent. 
Equifax did not notify me right away and waited more than 2 months before informing the public, well after the company executives sold off their shares in the company.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I wrote letters to XXXX XXXX and XXXX asking them to investigate and REMOVE the inquires form my credit reports from XXXX BUREAUS because they were hard inquires and there was no basis for the inquires. I did not apply for anything with XXXX XXXX. It has already been investigated and the still want 60-90 days for this to be removed but it should not have been there in the first place. I have attached supporting 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 12-05-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage servicer has not applied over XXXX worth of mortgage payments

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: This loan was cancelled and classified as income on my 2014 tax return

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2015 about Credit card () with CITIBANK, N.A. ().
Issue: Closing/Cancelling account

Complaint: I have been with XXXX citibank for over 15yrs in XX/XX/XXXX i was scammed of $ XXXXI contacted the company in XX/XX/XXXX and asked if i would be able to have the interest changed to interest free as part of being a loyal customer i thought they would comply, if i was a new customer they would give me a balance transfer for 12mths with 0 interest. they told me that i could apply for hardship and have the balance 0 % for 2mths i said i did n't want that. they said they would send me the paperwork in the mail. I inquired about the interest rate and was told that it was 12.99 % I made {$200.00} payment in XX/XX/XXXX as per the statement due and {$600.00} payment in XX/XX/XXXX which was above the minimum payment. in XX/XX/XXXX my minimum payment on my statement was {$760.00} I rang them to inquire as to why the hike in repayments and also for the interest charged prior retail of {$370.00} and a {$200.00} interest I was informed that I had not made the necessary payments in XX/XX/XXXX. I looked at my statement and the minimum payment was {$200.00}. they then told me it was because I had not paid out the loan within the 55 days the interest would then go to the higher amount of 21.74 % and the interest would be back dated I stated that I had not been told this information when I had originally inquired about the interest rates in XX/XX/XXXX which was 12.99 %. I was then told that they would waver the {$570.00} and this would be on my next statement. I inquired about closing my account and what the payout fee would be. the amount i was given was {$18000.00} minus {$570.00} being {$17000.00}. the lady told me that she would waver my annual fee if i stayed with them as i was such a loyal customer I chose to do that I then made this payment of {$17000.00} on XX/XX/XXXX thinking this was the end of it, until I received my XX/XX/XXXX Statement whereby I still owed {$470.00}. I rang too inquire why this was so as the payout figure was given to me they told me that i was given the incorrect information as on XX/XX/XXXX the reversal had taken place and the lady had given me another {$570.00} of the total amount. I stated that i had rung on XX/XX/XXXX which was 3 weeks after the reversal and they did n't have the correct figure. the lady said yes that is correct. she had made the mistake and given me the wrong information. I stated that that was her fault not mine and she said that I was still liable to pay the {$480.00} as the payout figure. I said that i want to close my account and do not wish to have any more dealing with the company as i have had nothing but heartache from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-07-2015 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Related Case # XXXXChexSystems had been re-inserted into my credit file derogatory marks from XXXX XXXX XXXX. 

You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (WI).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: The caller asked me to verify my Social Security number and address. I told him I would not do so unless I knew what the matter was regarding. The caller said he would not disclose the company/business he was calling from and repeatedly asked me to give him that information. I hung up and searched for the number on XXXX to discover that it was a debt collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Mortgage (FHA mortgage) with AmeriHome Mortgage Company, LLC (TX).
Issue: Trouble during payment process

Complaint: XX/XX/XXXX, Closed on home and 1 acre of property. At the time of closing, the closing docs show yearly XXXX County, TX taxes at {$2000.00}. In XX/XX/XXXX, original loan was purchased by Amerihome mortgage company. Monthly payments were {$1200.00}, which included loan plus taxes, and insurances, projected for XX/XX/XXXX. In XX/XX/XXXX, Amerihome issued an over payment from the escrow account in the amount of {$1300.00}. Immediately called Amerihome, and they stated that all taxes and insurance were paid and that their records indicated our XXXX Co taxes are lower and this over payment was due to property owner. In XX/XX/XXXX, early XX/XX/XXXX, we were contacted by XXXX Co Tax Office via letter that our taxes for XX/XX/XXXX were not fully paid and they were going to put a lien on property if not paid in full immediately. The amount paid was only half to XXXX Co in XX/XX/XXXX. Immediately contacted Amerihome who initiated an investigation and determined that from XX/XX/XXXX ( upon buying the mortgage ), that they admittedly were not withholding the proper county taxes throughout the entire XX/XX/XXXX year. Their records indicated that property taxes were only half of the original amount, despite the closing documents reflecting, the annual taxes were {$2000.00}. We received a letter from Amerihome, dated XX/XX/XXXX after investigation completed, stating " escrow account is short {$2400.00} and must immediately be paid or monthly mortgage payment would increase to {$1500.00}. After several phone calls and emails to supervisors, no logical conclusion on why Amerihome 's failure to properly withhold the correct tax amount from the time they purchased the mortgage in XX/XX/XXXX, was reached. Amerihome has concluded that this is 100 % our fault and has offered no logical resolution, except, paying the entire {$2400.00} immediately, or spreading out the loss in the escrow account over a 24-month period, which has raised the monthly payment to {$1400.00}. Amerihomes failure to properly review and verify original closing docs, has now placed a significant financial burden on us, and the fact they have expressed no concern or remorse for their failure, has us now looking for a logical conclusion and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My ex and I submitted all of the documentation required under HAMP and Wells Fargo guidelines to Wells to be considered for a loan modification. My ex no longer occupies the property as his primary residence, though I do. When I initially reached out to Wells Fargo for help, the dedicated loan specialist assigned my case ( XXXX XXXX ), advised me that we did not need to include XXXX whole income since he does not occupy the property. 

Today, I recorded the conversation between XXXX XXXX, XXXX and myself, and recorded him recanting his original advice and then affirming that the only reason that they used his income was to reach the 31 % required for the DTI. 

Mind you, my income is 20 % of the total gross monthly income used by Wells to calculate the DTI. To assume that XXXX should be liable for more than 50 % of the mortgage payment is unfair and unreasonable. And to top it off, the SPOC advised in prior conversations that not all of the income needed to be used. 

Additionally, the interest rate was lowered to 7.125 % when the HAMP floor is 2 %. I am not sure I understand why Wells insists on gouging its customers through higher interest rates when the guidelines specifically allow for the interest rate to be much lower. They also did not extend the term to XXXX years, which guidelines also allow. They kept us at our current amortization cycle. 

It would seem that Wells would rather just take my home than attempt to work with me in a reasonable fashion to resolve the delinquency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Loan servicing, payments, escrow account

Complaint: This acct is reflecting as in Dispute on my credit bureau, which I have never disputed. I need to have this dispute removed immediately. I attempted to call ASC and spoke with XXXX XXXX XXXX XXXX on XXXX/XXXX/15 @ XXXX who advised due to the age of my account no one could assist me over the phone. It is unfair that they have purged my account and no one could help. All he could advise was I needed to write in to have this taken care of, I do n't have the time to wait for them to correct their mistake. This account needs to updated according to the Fair Credit Reporting Act as it is NOT in dispute, nor has a dispute even been initiated by me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (MI).
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint: Chase bank issued a fraudulent credit card in my name even though I had a XXXX fraud alert on my account. Chase Bank did not contact me using the phone number on the XXXX fraud alert. The fraudulent credit card was used to extract more than {$8000.00} of the account. 

I tried to resolve this, however Chase Bank is adamant that they do not need call the phone number on the XXXX fraud alert. I have had to spend a great deal of time correcting this problem ( including police report, letters, several phone calls XXXX. All of this could have been avoided. Chase bank does not seem to think XXXX Alerts are important. What is the point of having a fraud alert if the Chase bank does not take it seriously. 

The website for the Consumer Financial Protection Bureau ( CFPB ) with the law below. It states " If you provide a telephone number, the lender must call you ''. 

https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 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: Account status incorrect

Complaint: I have a series of erroneous, credit-damaging late fee payments reported by  XXXX  on an overdraft account dating back to   XXXX   -- that I did not know existed.      XXXX  has, for 7 months, stated that they would resolve the issue and instruct the credit reporting agencies to remove this erroneous information from my account.  ( See   XXXX  communication attached. ) They have failed to do so, and my credit report still carries a major delinquency in the form of a 180 day late payment -- which never existed and was generated by  XXXX  as a " processing error. '' The damage to my credit has not been resolved nearly 1 year later, causing me higher mortgage rates, car payments, and the potential loss of a job.

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 10-07-2015 about Debt collection (Mortgage) with Plutos Sama, LLC (MD).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I have recently found information that XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX as individuals and Representative ( s ) or Agent ( s ) of Fisher Law Group have submitting false evidence under the penalty of perjury into the XXXX Court XXXX XXXX XXXX XXXX. Fisher Law Group has foreclosed on the subject property in 2013 using the name of the original Secured Party Creditor and a license number that expired in XXXX XXXX XXXX XXXX XXXX XXXX Substitute Trustee under the penalty of perjury affirmed that the purchase of the subject property was fairly sold and bought at a fair price. The subject property was purchased by Fisher Law Group, PLLC, XXXX XXXX XXXX and auctioned by Auctioneer XXXX XXXX XXXX for XXXX Action. I have reason to believe the bidding and auction of the subject property were rigged by XXXX XXXX XXXX, XXXX XXXX XXXX of XXXX, XXXX XXXX XXXX. Sworn Affidavits filed in case number XXXX to also include the Assignment of Deed of Trust, the Deed of Appointment of Substitute Trustee and the Writ of Possession and Eviction filed by the Defendant XXXX XXXX XXXX of XXXX are in fact willful and deceptive violations of XXXX U.S.C. XXXX ( XXXX XXXX, XXXX U.S.C. XXXX ( XXXX XXXX, XXXX U.S.C. XXXX ( XXXX XXXX and XXXX U.S.C. XXXX. There are many irregularities in the assignment of DEED OF TRUST and the process in which such DEED OF TRUST was allegedly transferred, conveyed, assigned, sold, recorded, etc. As asserted, these defects left the foreclosing entities without authenticating documentation to the property and without the authority to foreclose.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Account opening, closing, or management

Complaint: they closed my account because im XXXX which a federal lawsuit is being prepared and about to be filed against them but they have no sent me my money there holding my money and wont tell me when there sending my money

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Mortgage (Conventional fixed mortgage) with GOLDEN 1 CREDIT UNION, THE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have been adding principal payments to my mortgage loan which was due XXXX 2025. I assumed that was an agreement between the lender and me that, as long as I paid the full amount by 2025, there would be no penalties. Now the loan is within one payment of me paying it off, but the lender says if I do n't make a monthly payment, I will be assessed a late fee, plus extra interest, even if, by terms of the loan that last payment is n't due for another 8 years.

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 05/22/2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I requested validation of all the medical bills that are reporting on my credit as collection accounts, and I received a detailed breakdown of the treatment that was performed on me for the dates in question. However, this is violation  of HIPAA law as this does n't satisfy validation of the collections accounts, but only my personal information regar ding treatment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: APR or interest rate

Complaint: I was told I was receiving a 24 month promotional period for my enrollment and I only received a 12 month promotional period. My original purchase was {$2200.00} and after over a year of making payments each month, my balance is now {$3000.00}, more than the original purchase and the interest accrued is roughly {$1500.00}. This should not have happened as I was told I was receiving a 24 month no interest promotion.

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 monetary relief