milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I cancelled my XXXX service after 30 days due to non performance and numerous service calls. I have NO signed contract either ohysical or electrnic with them. They firgot that oart and I signed up by phone. I requested several times they pick up their equipment and they have ignored these requests. They have placed it for collection. An " early termination fee of {$400.00} and non return of equipment {$90.00}. I have NO contract to terminate " early '' This is merely a greedy attempt to get money for a service that was cancelled because they did not provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I requested a payoff from Ocwen loan servicing. There are extra fees totaling almost {$7000.00} When I called to negotiate the fees and/or the removal of them I was denied and told that according to the terms of the loan and modification. The problem is that one is a deferred principal balance fee of {$5200.00}. That was from the modification 3 years ago. I was to have that amount removed each year for 3 years. But 3 years ago I received a XXXX for the entire amount of {$15000.00} which we had to claim as income on our tax returns. So therefore according to our records with the IRS we have already paid taxes on that income ( which also changed our tax bracket to a higher bracket ). 

When I called today I was told this will not be removed. 

I would like this formally investigated and reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Completed an income base repayment for loan through Navient and I was paying {$70.00} for a year and it jumped to XXXX per month. I can not pay that amount. That is about 50 % of what I make per month and I have other expenses. I have tried numerous times to lower my monthly payments but I was unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I responded on XXXX/XXXX/15 for reinvestigation and have not received response back from TransUnion case # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2015 about Debt collection (Credit card) with Niagara Restitution Service Inc (VA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I responded on XXXX/XXXX/XXXX @ around XXXX XXXX ET to # XXXX to a message left on my cell phone and my mothers ' answering machine. When I called the young man threatened to have my drivers license suspended unless I settled out of court for a credit card debt I think was settled in XXXX. He also said I would have to drive out to XXXX, VA ( XXXX hours away ) to deal, and had a 6 year old address.I had been in a head on collision in XXXX and had settled all of my debts afterwards to the best of my knowledge. I also wonder if this may have been a scam attempt due to the clear violations/threats issued by the representative.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed
Consumer complaint received 12/29/2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: A complete package was sent to Chase for review on XX/XX/XXXX. I confirmed receipt that all of the documents were received. A follow-up call was made on XX/XX/XXXX and they stated the file was under review but a sale date had been set for XX/XX/XXXX. On XX/XX/XXXX we were told that the sale date would be sent for a postponement. When we called again today to check on the postponement we were told that the file is in underwriting for review and they have up to 30 days for a response. XXXX stated that we may get an answer in 10-14 days, but the sale is still scheduled for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Mortgage (FHA mortgage) with Moria Development, Inc. (GA).
Issue: Closing on a mortgage

Complaint: I was reached by XXXX XXXX Loan XXXX at XXXX Mortgage, XXXX Utah about financing my mortgage for my potential home listed at XXXX XXXX XXXX XXXX. XXXX, Ga XXXX was well at first, he was going to assist with a No Down Payment Program ( my husband had a stoke in XXXX and most of our cash was depleted by medical bills but this program was a great fit, or so he said XXXX .Then the Down Payment Program closed according to him, so i had to come up with almost XXXX. So I came up with XXXX dollars. 
So he said since I did n't have all the money that the Down Payment Program was back, and I could close with that program.So I asked why did you not tell me this before? So now we are back to the XXXX Payment Assistance XXXX. 
So now I have paid for my Appraisal ( FHA ) it took XXXX weeks to get the Appraisal XXXX XXXX days before closing he calls and says the office was shut down and someone will call me within XXXX hours and I would close on XXXX I was suppose to close on XXXX/XXXX/XXXX and I have called many times I talked with XXXX XXXX # XXXX he said he would return my call, and get it taken care of, this was a lie, today I still have n't heard from anyone at XXXX XXXX talked with XXXX last week around the XXXX at the other Peoples location and he said XXXX XXXX # NMLS # XXXX would call me but no call from him either. 
I do n't know how they do business in Utah but this is unexceptionable! 
I pray that they do n't continue to mislead people like this and if they ca n't close loans in Georgia why are they soliciting business in this state?

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/28/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Using a debit or ATM card

Complaint: I got paid and paid my bills over the veterns day holiday long weekend. When I checked my account on that Monday, it indicated that I was overdrawn. After reviewing the charges I noticed XXXX unauthorized charges at gas stations for a total of XXXX. I contacted the bank and they opened an investigation. They are trying to deny the claim. ( XXXX XXXX a small car and it takes less than {$25.00} to fill it up )

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
Consumer complaint received 05-01-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Closing on a mortgage

Complaint: I was askin g for Loan Modification and Ocwen was always sending me Pay off Qoutes. I enclosed under your discretion that the L oan I originated from them since  XXXX   XXXX ,   XXXX   was {$140000.00}. From that date up to present is 149 months, multiple by {$1100.00} every month that I paid them for mortgage every month. I paid the bank so when multiple by 149 months ; I already paid them {$170.00},  XXXX   XXXX  dollars all in all up to this date. Attache d is Ocwens p ay off valid through  XXXX   XXXX . Please analyze the following invalid descriptions on Ocwens Pay off Quotes such as Suspense Credit of {$2400.00}, Escrow Advance of {$6300.00}, these are not  valid Ocwen 's Description expenses. In each Descriptions one by one and the total of amount due is {$130000.00} they want me to pay in total based Ocwens claim. Ocwens Pay off Quote should be corrected in the right way. Ocwen is doing business with their mortgagor like me were faulty and unlawful. I want Ocwen to remove descriptions that are not legal. Ocwen is obliging added invalid fees for me  to pay them more that are not lawful.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Debt collection (Credit card debt) with Experian Information Solutions Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Someone has found their way into opening up new accounts in my name that ARE NOT mine. Bankruptsies are also showing up on my report that are fraudulently reporting against me past the statute of limitations on top of that! I reported this to Experian and XXXX & XXXX on both XX/XX/XXXX and XX/XX/XXXX. I mailed formal letters, a police report, ID forms, and an FTC affidavit stating these were fraud and must be removed. We are more than 45 days past the legal investigation time period. No valid documentation has been provided to me that these are mine.Bankruptsy ref # XXXX, XX/XX/XXXX, XX/XX/XXXX, {$0.00}, Bankruptsy ref # XXXX, XX/XX/XXXX $ XXXX,XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX SVC acct # XXXX XX/XX/XXXX {$7900.00}, XXXX XXXX XXXX acct . # XXXX XX/XX/XXXX, {$160.00}, XXXX XXXX XXXX XXXX Acct. # XXXX XX/XX/XXXX, {$0.00}, XXXX XXXX XXXX Acct. # XXXX XX/XX/XXXX, {$7900.00} INQUIRIES NOT MINE : XXXX XX/XX/XXXX, XXXX, XXXX card XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX , XXXX XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX PLEASE REMOVE IMMEDIATELY!

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 10-07-2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (FL).
Issue: Incorrect information on your report

Complaint: We contacted the company by phone and they have not resolved the matter. Here is the letter we sent : XXXX XXXX XXXX # XXXX Ladies and Gentlemen : I am writing to demand that you reverse a late-payment entry that you have reported to the three national credit-reporting agencies regarding the above-referenced mortgage loan and that you request those agencies to remove your report. 

On XXXX XXXX, XXXX, I sent you a payment of {$XXXX}. ( Our monthly payment amount is {$XXXX}. )  The payment was in the form of two checks for {$XXXX} each, one drawn on my personal bank account and the other drawn on the personal bank account of my wife, XXXX XXXX XXXX. In the process of reconciling her account a couple of weeks later, my wife saw that her check had not cleared. I reviewed my account and saw that my check had cleared. ( A copy of the canceled check is attached. The endorsement reflects a date of XXXX XXXX, XXXX, confirming your receipt. ) On XXXX XXXX, XXXX, I spoke by telephone with a representative of Shellpoint Mortgage Servicing and explained that one of the checks had not cleared. I was informed that Shellpoint used an automated system that likely processed only one of the checks. I was told that they would try to locate the other check. ( I provided them with the check details. ) I was assured that this would have no negative implication for my credit score. I called several days later to follow up and was informed that they were unable to locate the check. Accordingly, XXXX XXXX put a stop payment on her check, and on XXXX XXXX, XXXX, I made a payment of {$XXXX} rather than what then was our customary {$XXXX}. 

I now am applying for a mortgage on another property, and I have been informed that my credit score is about XXXX points below what I believe it otherwise would be due to your having reported the XXXX XXXX payment as late. That should never have been reported as such : I was not lateit was a processing mishap at Shellpoints end. Needless to say, I am not happy about this, and it is holding up and very possibly blocking my ability to obtain financing. Please reverse this late-payment entry and correct this with the credit agencies IMMEDIATELY. Time is of the essence here, because of my pending application for financing. I am at risk of losing the financing and ultimately the property that I am under contract to purchase ( along with my deposit ). I do not want to report this to the FTC, but I will do so if I do not receive a satisfactory response within 24 hours. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Cell XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Seterus, Inc. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I was advised by a representative at Seterus they cant guarantee I would get reviewed for the principal reduction program my lender started to participate as of XXXX XXXX, 2016, because of my delinquencies and defaulting on a previous modification! I have written a detailed letter of explanation along with the guidelines and the letter Seterus has send me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Debt collection (Medical) with ASSET MANAGEMENT OUTSOURCING, INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (NJ).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: During this loan modification attempt, DiTech had repeatedly asked for a XXXX form in several different ways on a dozen different occasions. We provided this to them within a days time each time. This, in turn, flagged the IRS and we had to order a verification of non-filing directly from the IRS which of course took forever. There were times when I called to get updates on this application and representatives had not even seen any supporting package documents. DiTech then turned around and said that they closed the mod due to time lapsing. We had been advised this a week before the clients sale date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XXXX XXXX, XXXX I submitted a dispute via ChexSystems about an account I previously had with XXXX XXXX. The previous week I had applied for an account elsewhere and was turned down and upon checking my credit file from ChexSystems I noticed I had been reported for an account abuse closure by XXXX XXXX While I did not dispute the fact that my account was closed with a negative balance I did and do dispute a reporting of account abuse on my credit file. In what was at best a few days later I received correspondence twice from ChexSystems one stating a investigation had began. The second a day or two later stating the account was affirmed. On Monday XXXX XXXX I contacted the XXXX XXXX collections department not once but twice as to inquire why account abuse was reported. From my standpoint the account had not become overdrawn because of any transactions that were paid to any institution on my behalf for me to personally benefit from. My knowledge is that the account was closed because of return payment and sustained overdraft fees the bank accessed for not paying on my behalf. No checks were written no transactions were processed to the debit card the account was overdrawn because of bank fees. The first call resulted in me being transferred to a collection agency the second resulted in a hang up because the representative had became disrespectful over the phone which is the norm for XXXX XXXX when you question there just accept it justification. In both calls I agreed to pay what was owed in full even though I dispute the amount. This would be contingent on the inaccurate " abuse '' reporting being removed from the file because I feel it was only reported in that manner as a form of retaliation or malice. I believe it was reported improperly to ChexSystems because XXXX knew that for that particular agency abuse could mean anything and would n't be questioned.

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 01/25/2018 about Payday loan, title loan, or personal loan (Installment loan) with Mobiloans, LLC (MI).
Issue: Struggling to pay your loan

Complaint: Did not realize I had to make payments every 2 weeks. I get paid every month just once and was asked how often I got paid when I opened the loan.

Company response to consumer: Untimely response
Consumer complaint received 01-12-2018 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: On XXXX/XXXX/XXXX I attempted to link my XXXX account to my checking, and Capital One refused to allow me to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Mortgage (Other mortgage) with loanDepot.com, LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: We refinanced our mortgage with Loan Depot. At closing they collected XXXX for the XX/XX/XXXX property taxes. However, this a non-escrow refinance. They claimed that they must collect this outstanding tax to do the closing. Closing on XX/XX/XXXX. Taxes first due XX/XX/XXXX and there is no penalty until after XX/XX/XXXX. I recently call my tax office after I received the tax bill and it was for the full amount. They have no records of having any funds being applied to this account. I called servicing department who referred me to the Loan Depot Escrow Department and they sent me back to the servicing department. I spoke to a manager and they claim it was sent XX/XX/XXXX. I contacted the mortgage officer and he inquired with servicing department. After 5 days I recontacted him and he reiterated he reached out to the servicing department. Three more days past and I get an email from yet another Loan Depot department-Customer Care. They claim it was sent out " on or about XX/XX/XXXX '' .. That was closing day. On or about means they are not sure. They say if XXXX County, NC tax office has not received it I should contact the mortgage servicing officer. It is like a shell game. I do not see how one collects tax money before it is due and on a non-escrow account. They have no right to hold the money and ca n't explain where it is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: My monthly payment amount changed on at least two separate occasions, one of which I was not sent prior notification of the change. I was sent correspondence on XXXX/XXXX/XXXX that notified me that my new monthly payment increased to {$1100.00} after review of my loans. I made the aforementioned payment for the month of XXXX XXXX. However, I recently reviewed my loan status and the new monthly payment was now {$1200.00} which is due in XXXX XXXX. I was not sent prior notification of the new monthly payment amount. I contacted the loan servicer and was informed that they will send it to their account department for review. This is not the first time that a change in my monthly payment has occurred without prior notification. Another incident like this occurred last XXXX XXXX and there was no change in interest rates nor do I have any delinquent loans. I currently have an extended repayment plan which should not have variability in payment amounts unless changes were made, which I did not make any changes in XXXX and there were no interest rate changes in any of my loans. I am very concerned about these sudden changes in loan payment amounts without adequate explanation by Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Identity Theft Victim ... 

Didn't Authorize ( Inquires ) Pulling of Credit .... 
Equifax!!! 
XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions Didn't Authorize ( Inquires ) Pulling Credit!!! 
XXXX  Creditor Name Inquiry XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX XX/XX/XXXX Finance XXXX   XX/XX/XXXX XX/XX/XXXX Finance XXXX  XX/XX/XXXX XX/XX/XXXX Finance XXXX XXXX   XX/XX/XXXX XX/XX/XXXX Misc. 
XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automotive XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance

Company response to consumer: Closed with non-monetary relief