milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/16/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Settlement process and costs

Complaint: Ocwen Mortgage company is involved in theft by deception. I filed a complaint with the XXXX XXXX office on XXXX XXXX. My house was destroyed by fire in XXXX of 2015. I reported this to mortgage company and they continue to send my statements for a property that is totally destroyed and was probably paid off by insurance company. My mortgage amount owed at the time was XXXX but the value of the property was approximately XXXX. So my wife and I our owned money after the property was paid off. Ocwen refuses to pay us the money owned. I also filed a complaint with the XXXX police dept on XXXX XXXX related to my Niece and her husband plotting to poison us. What is interesting is that Ocwen Mortgage was sending our statements directly to her without our knowledge or approval. So it appears that Ocwen was also involved in a conspiracy XXXX. She was used to hold the property until my wife and I were successfully XXXX so that the property could be transferred to family. Because I reported this to the police in XXXX of last year, the property was deliberately destroyed in order to avoid their being a connection between Ocwen and our family. The specific details and evidence was provided to XXXX XXXX and XXXX Police Dept. My loan account number is XXXX and the property is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. My name is XXXX XXXX and my current address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: The Names on my credit report are completely wrong & Mis splled.. my full name w/ correct spelling is XXXX XXXX XXXX NOT . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please help me, I find this information to be very crucial on my credit report and I need it fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: unknown account on my credit report from XXXX XXXX Account Number : XXXX Date Opened : X/X/2013

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Mortgage (Home equity loan or line of credit) with U.S. BANCORP (CA).
Issue: Settlement process and costs

Complaint: XXXX issues:1 : US bank told me that interest on my HELOC will be prime + XXXX. This was confirmed via email after the loan amount was changed. However, my HELOC ended up being prime + XXXX. When I contacted the bank, they told me it is because the amount of loan was changed. However, I have an email from them ( please see attachment ) stating that the interest rate will remain the same even though the amount was changed. US bank will not honor their own promise. 
2 : In the closing documents which I signed I was charged a lower amount for the notary than the actual amount. I had to ask for the final document and find out for myself that the amount was larger. They would not honor the document we both signed. I have the documentation if you need them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: This company is damaging my credit by reporting erroneous late payments. How can a payment be 90 days late within 30 days or with the month prior stating payment history is satisfactory? All these inaccurate negative reporting should be removed. 

Also, I did some research on the FTC website, and it states that this financial company was supposed to notify me within 30 days in writing before or after reporting ANY NEGATIVE INFORMATION TO THE CREDIT BUREAUS. 

I never received any notification. 

Negative Information from Financial Institutions -- If you are a financial institution ( as defined in the Gramm-Leach-Bliley Act ) that extends credit and regularly reports information about your customers to a nationwide CRA ( for example, XXXX, XXXX, or XXXX ), you must notify your customers that you report such negative information. Examples of negative information include a customer 's delinquencies, late payments, insolvency, or any form of default. FCRA 623 ( a ) ( 7 ) ( G ) ( i ) Please See Attached Document Showing Inaccuracies in reporting!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Inquiries on report that are unknowing. Contacted companies and was referred to contact XXXX. When contacted XXXX customer service treated me rather poorly and I 'm now deciding to just file a full complaint here about my service and credit report. Inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX An older one that I have contacted several times including by mail is XXXX XXXX. <P/>I had a freeze on my credit report for identify theft but I 'm not sure if it " expired ''. Please help me with these issues and inquiries as soon as possible as I would greatly appreciate it. Thank you very much in advance and I hope for a better response than the first reach out.

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 01/30/2017 about Bank account or service (Other bank product/service) with MUFG UNION BANK, NATIONAL ASSOCIATION (WA).
Issue: Account opening, closing, or management

Complaint: I asked Union Financial Services to transfer a XXXX XXXX account ( ~ {$630000.00} ) to Union Financial Services and manage that account. I understood a fee would be charged for the service. After the account was transferred I learned Union Financial Services was also charging a fee for my IRA ( ~ {$260000.00} ) account without my instructions. Union Financial Services Compliance Analyst, XXXX XXXX and XXXX XXXX sent me a letter with a copy of the transfer request with the copy of the Managed Account New Account Application for the Account being transferred From XXXX to Union Financial Services as proof that I wanted Union Financial Services to manage my IRA account. I asked for a copy of the application that Union Bank Financial services alleged that I signed for managing my IRA account and Union Bank Financial Services was unable to provide that document. Union Bank Financial Services also advised me that they decided to close my IRA account and other accounts as punishment for asking the details of my investment accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2017 about Debt collection (I do not know) with The CMI Group, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently pulled my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a financial agreement with this company and neither have they ever provide me goods nor services.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have disputed this many times before went to collection agency and bureaus. They have placed a fraud alert on account. I even sent a letter for them to send me a debt validation with the original contract and signature to state it belonged to me. Unable to provide me with the original contract with my signature and the company that they are saying I owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-06-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX I filed a Chapter XXXX bankruptcy and the court created a payment plan for me to pay the court and Wells Fargo a specific amounts of money on a monthly basis until my debt was pay off in 4 years. I follow the courts orders and paid off my debt to the court and Wells Fargo ; there were no other creditors. Once I fulfilled my debt obligations, the case was discharged on XX/XX/XXXX. A couple of months prior to my discharge the court sent me an over payment check in the amount of {$79.00} and Wells Fargo sent me a {$700.00} check for over payment. However, after my case was discharged Wells Fargo continued to send me bills ; some that stated that I do n't owe anything and others that shows different amounts that Wells Fargo claims that I still owe them even though the debt was discharged. At the end of XXXX I received 3 more letters ; 1 that discussed a " Lien Release '' stating that Wells Fargo will file a XXXX, and another statement stating that Wells Fargo still owes me an additional {$570.00} and another that stated that I owe Wells Fargo {$7800.00}. 
On XX/XX/XXXX I called Wells Fargo and spoke to the Bankruptcy department. I ask them why they were still sending me bills after my case was discharged, I was told that they did n't know that the case had been discharged and they will work on getting their error corrected. However, instead of correcting their error as promised, Wells Fargo file documents with the County-Recorder to have my name removed from my property at XXXX XXXX, XXXX XXXX, CA XXXX, changed to my deceased son 's name ; I received a letter from County-Recorder 's office in the mail on XX/XX/XXXX. 
I would like for Wells Fargo to acknowledge that I do not owe them anymore money and to abide by the court order and stop sending me bills and statements asking me for more money, since I have already paid off the loan and the case was discharged on XX/XX/XXXX. In addition, send me any other money that they owes me and close any case that they have open in regards to my home at XXXX XXXX XXXX, XXXX XXXX CA 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 01/31/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been paying my loans by check since Navient refuses to let me open my online account and make payments. I could pay several time a month when money is available for me and get the payments caught up without the harassing phone calls and mis appropriating my monthy payments. They continue to make me late on payments each month. For the last 6 months, I have paid {$150.00} for XXXX loans. XXXX is bout {$98.00} and the other {$47.00}. I paid XXXX with XXXX check and after a few months, I noticed my bills were saying I was late again. I XX/XX/XXXX I sent in an extra payment so that I could pay my {$150.00} any week of the month, since I am on very limited income, and need to pay mortgage at the first of the month. I got bills saying I was ahead on XXXX bill and the other is showing me as {$170.00} late, they started calling my house all day long again. I had to turn off the answering machine. 
The reason for not speaking to them, is because I will only get a roto call bill collector who will only ask me for money, not be able to investigate why my payment have not been applied to XXXX bills each time I send in the money. The collector will not have the correct information and I have to tell them to update their screens. I tried to send in both payments in XXXX separate envelopes, so that the processer would not be able to apply my check to only XXXX of my loans.. But regardless of XXXX checks and XXXX stamps, all my money should have been applied to XXXX payments, regardless. Now I am paying interest on XXXX of the loan notes again. I wish we could have some help from the government, because of all the interest money that has been taken from me, I feel illegally. I have not ever gotten help with a real live representative that can bring solution to my case. Thus, I refuse to answer the phone. Please help me get my payments accredited to XXXX my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (TX).
Issue: Account opening, closing, or management

Complaint: I provided several do not call requests to Regions Bank over the last few years. I am continuously told the only # that they are able to call is my mobile as I requested. However they have contacted my sister, mother, and XXXX year old grandmother, notified them that my account was in bad standings and have not contacted me directly neither in writing or by phone on the " only number they can dial '' as they 've told me multiple times. This is not the first time they have done something like this nor is this the first complaint I 've had to submit regarding Regions continuing to do what they want. I 've spoken to supervisors, managers, and even a regional manager, yet this continues to happen.

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 11/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied Collection Services, Inc. (Nevada) (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I do not owe this debt. Account was closed and paid in full. Allied collection said they would notify XXXX and update their notes. They call me several times a day and disregard what they say they are going to do.

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 09/15/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (AL).
Issue: Problems caused by my funds being low

Complaint: I am a Wells Fargo customer, and have been for about 9 years. Wells has been charging me excessive overdraft fees for years. They will hold my and my wife 's direct deposit and run debts through first, so they can charge me fees. They say that this is their policy.They will also manipulate debt card transactions so that those will go through first, then they will process a electronic draft, like a car payment, that is pending, to bring my account balance down. They will also post a draft as pending then take it completely off, then they will bring it back showing pending a day later. So that they can charge more fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MI).
Issue: Loan servicing, payments, escrow account

Complaint: For the past couple of years I have tried to make my payment online to Nationstar Mortgage. Their system allows me to separate my payment by regular monthly payment and then additional principal payments. My normal payment principal and interest is {$1700.00}. For several months I was paying {$1900.00} and showing {$200.00} to go toward principal. Those funds were always put into an unapplied account. I called several times to complain and was told each time it would be taken care of. It never was and I had to call every month or every couple of months for them to apply toward principal. I stopped for a few months because it was just a hassle. The past few months I tried to pay additional principal and they put it toward the following months payment. It 's as if they are trying to stop me from paying additional principal. I would like to pay my mortgage down quicker so it is paid in full by the time I am  XXXX . They are prohibiting me from doing it without calling in. This does n't seem right and I do n't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XX/XX/XXXX, I disputed information on my credit report with Experian. They did not investigate my dispute in a timely matter ( 30 days ) and is still reporting this inaccurate information. As of XX/XX/XXXX, Experian is in violation of the FCRA. I called them the same day to see why they did not follow the law. It is very difficult to get anybody on the phone. Their automated phone system is designed to hang up on you if don't pick one of two options that did not apply to my situation ( I did not need a new credit report or place a fraud alert on my account ). I tried getting through for several days. I finally got through to someone, which she was not much help. Another dispute was started, but the phone got disconnected after being on the phone for an hour. My dispute is with XXXX XXXX XXXX, which they is reporting accurate information. This account was deleted once and then reinserted back on my credit report. Experian violated the 5 day reinsertion notification. On top of that the information reporting is inaccurate and incomplete ( XXXX XXXX ). Westlake also uses another name to stay on credit reports. Their other name is Westlake Service Inc. They once was on my credit report with both names at the same time. Experian recently verified this account as being accurate. But how is that? I recently wrote XXXX last month and I have not heard from them ( 30 days ) 2 ) XXXX XXXX is on my report. This old outdated account is still on my report, which they stretched the dates, because this is a XX/XX/XXXX account. The information reporting is also inaccurate and incomplete. 3 ) XXXX XXXX XXXX is account that is reporting inaccurate information and the wrong account type. I disputed the balance and the days late is not accurate. 4 ) XXXX XXXX XXXX is an item that I do not recognize the account number or the account. They reporting late payments that don't add up and charge off balances that don't match the past due. How can the past due amount be more than the charged off amount? 5 ) XXXX XXXX XXXX is reporting 120 days late back in XX/XX/XXXX which is inaccurate. They are a school loan that was in deferment. I have challenged the accuracy, compliance and reportability of these listings to no avail. As of today, Experian has failed to comply with the laws of the FTC and the FCRA. These reporting errors has greatly impacted my credit score and is making it hard for me to be financed with the best interest rates.

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 09/30/2016 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have told Chase numerous times that I do not wish to communicate with XXXX, I called to make sure a payment on another loan posted and then they asked me about the Chase loan, I had advised Chase that the due date does not work and not sure why it was changed. I advised them that last year, Chase changed it for me but this time they are claiming they ca n't, this is a problem and I told Chase that I have issues with XXXX because they do not know anything and will use scare tactics. I have also told XXXX numerous that I will not do any auto debit with them because I do not trust them but I keep getting offered it any way. I do not want any contact with XXXX at all, I hate dealing with me because it is a nightmare to get answers from them. They are similar complaints against from other people.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Debt collection (I do not know) with Merchants and Professional Bureau, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked MERCHANTS & PROFESSIONAL to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Received a letter from the magistrate court of XXXX  County stating that XXXX XXXX XXXX XXXX XXXX was suing me as the assignee of CITIBANK.

Form states that it is a " PLAINTIFFS APPLICATION FOR DISBURSEMENT OF FUNDS ''.

The following wording is noted : " NOW COMES the Plaintiff in the above styled case and files this Application for payment of all funds due Plaintiff paid by Garnishee after such time as the Clerk determines that no claim has been filed and no Traverse has been filed with twenty ( 20 ) days after Garnishee 's Answer was filed.

Moreover, Plaintiff states Garnishee and Defendant will be properly served with the Garnishment pursuant O.C.G.A XXXX and that proof of such service will be filed with the Court prior to any disbursement of funds. '' This letter is signed by XXXX XXXX XXXX XXXX XXXX, Georgia Bar # : XXXX   The law firm that sent the letter is XXXX XXXX XXXX XXXX XXXX  The APH File number is 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 09-11-2015 about Mortgage (Home equity loan or line of credit) with SANTANDER BANK, NATIONAL ASSOCIATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I recently closed a HELOC because I sold the secured property. Since the loan was less than three years old I had to pay XXXX and XXXX recording taxes. However, I was also charged the lender 's portion of this tax mounting to 0.25 % ( XXXX basis points ) of the loan principal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation