milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-10-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I filed chapterXXXX bankruptcy XX/XX/XXXX and it has been discharged XXXX. However, I 'm having some trouble with one particular mortgage lender ( OCWEN LOAN SERVICING ) .. They are listed on my credit report with a balance. They should not be on my credit report as when I filed bankruptcy, I gave up my primary residence which they claim is where the balance of the mortgage is owed. The loan was the XXXX mortgage for that residence. I surrendered the residence so i do n't know why i still owe them. Also, I have never gotten written correspondence from them stating I owe them moning. Furthermore, have never sign an agreement with OCWEN Loan Servicing. I spoke with them today ( XX/XX/XXXX ) and they told me they purchased the loan in XX/XX/XXXX. My bankruptcy period was between XX/XX/XXXX and XX/XX/XXXX. How can they now say I owe them on the phone today. They tried to settle with me today for {$1000.00} even though the balance they claimed has claimed to over {$60000.00}. What is my best course of action to get them removed from my credit report or at least show my account as being closed and no balance? Thanks in advance for our help.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (HI).
Issue: Loan modification,collection,foreclosure

Complaint: GMAC Mortgage did the exact same thing as you are fining XXXX for, willful disregard for the law while collecting payments through fraudulent intent and bad faith foreclosure negotiations.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I recently refinanced my house with Bank of America. I was told that the old escrow account would not be touched as it is an FHA loan. However, to my surprise, I got a check in the mail for {$29.00} instead of {$3100.00}. I immediately called Bank of America and spoke to someone in the Mortgage Department who informed me that instead of lending me the pay-off amount of {$210000.00}, whoever processed my loan only applied or allocated {$200000.00} to the new loan and automatically carried over the {$3000.00} from my old escrow account without my permission. 

As per RESPA ( Real Estate Settlements Procedures Act ), " when you pay off a mortgage, RESPA requires the lender to refund the remaining escrow balance to you. The lender can not use it to pay down your mortgage balance, nor can it transfer it to a new escrow account. The lender must inform you of your right to apply this money to your mortgage balance or a new escrow account when it sends you the refund check. '' I consulted with someone and confirmed that when a person chooses to refinance a loan, the original escrow account remains with the old loan, and escrow funds can not be transferred to new loans, even if it is with the same lender. I was advised that all property taxes and insurance payments I made in the past must be returned to me within 45 days via wire transfer or check. 

I called several times in the past asking for a status on my escrow account and confirmed the {$3100.00} due from my old escrow account. I even obtained an activity report on XXXX/XXXX/16 in the mail. I was never informed of my rights under RESPA, nor was I asked for permission to use those funds towards the new loan account. In fact, when I spoke to a representative from Bank of America today in the Mortgage Department, the lady apologized and advised me that if I would have done it with another lender, that would have never happened and I would have received my full escrow amount. 

I have been a loyal customer of Bank of America for almost XXXX years and I am very upset with this situation. I feel cheated and misinformed, needless to say disappointed at the service I received by the representative who handled my loan, who continuously kept postponing my closing date and did not contact me when I needed to speak to her. It was always very difficult to get a hold of her.

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 05-05-2016 about Credit card () with CITIBANK, N.A. (MA).
Issue: Billing disputes

Complaint: I opened up a Macy 's credit card in XXXX XXXX. I did n't get a bill in XXXX XXXX and called the credit card to talk about the reason and the payment. Through arguments, they agreed to provide an adjustment. At that time i requested the credit card to be closed based on my bad experience. several month later in XXXX i receive a bill from Macy 's of interest on XXXX balance and late fees for the interest that are unexplainable and my credit card was never closed back in XXXX per my requests.

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 02/27/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I went to live in XXXX for a year and I paid off my credit card in full. I asked the represetantive of Bank of America to make my Payment in full but did not include the residual interest. Since I left thinking I paid off my account, my account became past due even though I thought I paid off my account. Bank of America did this to allow me to incure more fees and income my credit. Thank you

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 04-05-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (LA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I was in a low interest repayment status that I have to call every year and get back in, I called in XX/XX/XXXX and spoke with a lady at Navient and she told me it was extended out for 15 months and we set up payment arrangements for every 2 weeks. I got a call today from someone else at Navient telling me that my program has expired and they are wanting to put me back in but interest rate went from 1 % to 5 % and I will need to pay the defaulted amount because it had expired in XX/XX/XXXX and it was for the wrong amount. When I tried to explain to them that I talked to someone back in XX/XX/XXXX, he told me she just extended the payments out but did not put me back in the program and that will still need to pay the {$500.00} past due amount plus the new amount which went from {$200.00} a month to {$400.00} a month. When I started asking why the man started getting rude was not willing to answer or work with me, he then put me on a 10 minute hold saying he was going to get his supervisor and after 10 minutes he comes back on the line and said his supervisor is busy but that he can get my interest from 5 % down to 3 % but that he can not do the 1 % because I did not set it up in XX/XX/XXXX, I tried to repeat it again that I did call and the lady did explain that it for that program he then started to get irate and hung up the phone when I would not give my approval for the 3 % interest. He told me if I wanted to get out from loan I would need to call a bank and get a loan for the full amount and buy them out. I have been in this program for 5 or more years and every year I go through the same thing, and they keep giving me the run around and call me once a week with a different number. I received my loans from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Mortgage (FHA mortgage) with HOMEBRIDGE FINANCIAL SERVICES, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I completed an FHA Streamline mortgage with XXXX XXXX XXXX Bank and they sold my mortgage to HomeBridge. At escrow, I was given XXXX receipts for my XXXX and XXXX payments so that I would know where to send my payments until my account was setup and I could make electronic payments. After signing, I misplaced the coupons and asked my broker to re-send them via email, which he did. I paid my XXXX payment on time using the coupons he emailed me. 

In XXXX, HomeBridge called me to inform me that I was late on my payment and they were " attempting to collect a past due debt ''. They called me on my work phone line. I asked them to call back on my cell phone. I ended up spending around 45 minutes talking to someone about my mortgage. He told me that I owed them {$1100.00}, which was disconcerting because it was significantly lower than expected. I asked them if they had setup my impound account to pay taxes and home insurance. He said they had not and that I would have to fax my tax documents and my insurance documents to XXXX separate departments! I immediately called my broker from XXXX XXXX, and he said to ignore them and wait for my welcome packet in the mail sometime in XXXX and to continue paying to the coupons he sent me. 

I paid my XXXX bill promptly on the XXXX of the month. Then on the XXXX of XXXX, I received another call from HomeBridge saying I was late on my XXXX payment, but they had received my XXXX payment. I told them I mailed the check to the same place as I had in XXXX and the check had been cashed! She asked me to pull up all kinds of information as to where I sent the check, who I addressed it to. Again, I was at work. Again, it took about 40 minutes. Then I just received another call today! The woman who I spoke to on Friday apparently did n't take very diligent notes. 

This process is a waste of my time and is a huge disturbance at work. I feel harassed to talk to these incompetent people out of fear that they will mistakenly report a missed mortgage payment to the credit bureau. I want to emphasize that I have followed all directions that were given to me and both of my payments were cashed. This process has been sloppy and jarring. HomeBridge should be seriously reprimanded for their disorganized practice and harassment of new mortgage holders.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: 1- Experian XXXX XXXX XXXX XXXX Texas XXXX phone ( this # given o the report at File Is Frozen etc. '' will not accept my calls. 2- Experian says my " File is Frozen Due to State Legislation '' but will not allow me to access the file to determine exactly what is " state Legislation '' 3- XXXX XXXX XXXX used this Experian report / data to deny me three times a " Special Deposit '' account for me, and XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX which I now dispute as false. 4-I told both Experian and CEO XXXX, XXXX XXXX XXXX XXXX, and others at XXXX XXXX XXXX that I am a XXXX status and thus " State legislation '' does not apply to me. ( see attached )

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 02-02-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: On XX/XX/XXXX, got adviced by Coinbase support to create a new Coinbase account. As my old account is no more accessible due to authentification issue, that would allow them to transfer the balance from my old account to the new one. 
On the same day, I did create a new account, I mentionned to Coinbase Support my old account and new account emails. 
Still on same day, Coinbase Support then informs me that they're working with a specialist in order to perform the balance transfer from my old account to the new one. 

Then, no news from Coinbase Support, while my money is locked for almost one month now. Got no answer from email sent after to Coinbase Support, no answer from XXXX Coinbase Support user " XXXX '' in order to try resolve my issue. 

Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (SC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Synchrony bank reported my card lost or stolen it never was and I never said it was you can not understand anyone they put on phone and they XXXX me on intrest I 'm holding the card right now I 'm sick of waiting for a new card I just want to talk to someone I can understand

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 11/25/2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Collection service center is on all of my credit reports which do not belong to me.

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 09/29/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (WA).
Issue: Account opening, closing, or management

Complaint: My Wells Fargo checking account suddenly began charging me a $ XXXX monthly fee. I have been a WF customer for decades ( several checking accounts, investment account and IRA account ). Nothing changed on my end. The balances did not drop below any figure a WF agent was able to identify for me. No accounts were changed. The amounts in my accounts in total are substantial and certainly exceed any possible minimums. The agent said the fees would be refunded. But, could this be another fraudulent strategy on the part of WF that is widespread at {$30.00} per customer per month ( for those that do n't notice! )?

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 02-01-2017 about Credit reporting () with SYNCHRONY FINANCIAL (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: An Amazon.com Store Card was successfully opened without my knowledge or consent. A XXXX Amazon.com Visa Signature Credit card was attempted to be opened in my name ; however, was declined due to " obligations too high relative to income. ''

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 05-03-2015 about Debt collection (Medical) with FirstPoint Collection Resources (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently pulled my credit report and discovered that this company has reported that I owe them several debts to my knowledge I received not prior notification that I owed them any debt. My rights under the FDCPA have been violated as I was not granted the right of validation

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Consumer Loan (Vehicle loan) with CONSUMER PORTFOLIO SERVICES, INC. (FL).
Issue: Taking out the loan or lease

Complaint: I was a co-signer for an elderly individual-Applied for an auto loan through XXXX XXXX, the loan was transferred from XXXX financing company to another, without our approval. After the smoke had cleared we found out a second third party company XXXX as Consumer Portfolio Services had financed the loan. the initial loan was for {$10000.00} plus to finance the vehicle in early XX/XX/XXXX-The vehicle was paid up according to our records, however, XXXX stated there were additional interests in excess of {$5000.00}? What loan sharks!!! Our monthly payments were {$280.00}, however, only $ XXXX {$100.00} monthly were actually applied to the actual loan. When inquired about it, the company reps stated it was normal procedure. In reviewing our monthly payments, we discovered XXXX would intentionally post our payments late in order to justify charging additional interests and fees. When we paid by money order they would state they did not receive the payment until a week later, yeah right. When we made payments online we were forced to pay additional fees through XXXX XXXX, and the payments were still posted late. We challenged this and got nowhere with this company. There is additional info which I will upload, however, in short we were ripped off by this company and XXXX Automotives whom we thought we were dealing with initially. There were constant mechanical issues with the car, we called several times to complain about it, we were told our problem now. In addition to paying off the truck, we lost a lot of money in repairs, new tires, motor issues, etc ... The last payment made to XXXX was in XX/XX/XXXX for $ XXXX course they did not apply that amount to our account. In early XX/XX/XXXX XXXX finally picked up the vehicle, sold it, and stated, we XXXX or XXXX not receive a refund based on the amount received at the auction. In XX/XX/XXXX, a payment of {$1500.00} was posted to our account, shortly thereafter, XXXX contacted us to tell us they sold the car and we still owe them in excess of {$5000.00}? Really? We have no idea what XXXX actually received for the vehicle, they would not release that information in writing. Okay, so never mind the fact that we had already paid for the vehicle ( excluding their outrageous claims of excess interests charges & fees ) in addition to all of the money that we spent in mechanic fees/repairs. They did not care. These people have been constantly calling and harrassing us and have reported these fraudulent charges to credit agencies, this makes us furious. in XX/XX/XXXX The FTC fined XXXX XXXX https : XXXX ) It does n't look like anything has changed. At this point we do n't know where to turn. Thank you for taking the time to listen. We appreciate any assistance that you can offer. Have a blessed day.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my ( and millions of others ) information. They were aware that their security had been breached and did nothing for months. I am now at a high risk of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am currently in a debt consolation program and this company has repeatedly called my home over ten times daily. There should be a limited amount of calls a collector is allowed to call anyone daily.

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 09/29/2017 about Debt collection (Medical debt) with Radius Global Solutions LLC (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I called them a couple of time and tried to pay a debt they said i owe them for lab corp but they told me they could not help me removing it off my credit report that they only do it for specific clients. I just want to pay the the money they say i owe and get them off my credit report and them to leave me alone

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 01/21/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: We are with this mortgage company name OCWEN. We are trying to modify a loan but the company keeps asking for documents that we have already submitted numerous times. The company claims that they are not receiving the documentation. It has been seven months to try to get this modification completed. During this seven month period the company stop excepting our mortgage payments and received mail that they are starting foreclosure. On their documents it states that while we are in the process of modification that there would not be a foreclosure filed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (KS).
Issue: Struggling to pay mortgage

Complaint: I received a letter from Ditech stating my mortgage was transferred to XXXX XXXX XXXX. This after all requested paperwork for a modification had been XXXX to the loss mitigation department of XXXX XXXX 2017. This is the second time this year my mortgage has been sold while in the modification process and the process not completed. Now what will happen?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Ive called and wrote Transunion To Remove These XXXX unauthorized credit inquiries I do not have no accounts with this company ever!!

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