milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-06-2016 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (MS).
Issue: Loan servicing, payments, escrow account

Complaint: My mother and I were co-borrowers on a home loan that was opened XXXX XXXX through Litton Loan. The loan was later taken over by Ocwen Loan Servicing in XXXX XXXX. During the time that the loan was with Litton we had several issue of payments not being posted correctly or being put in a suspense account. The payments included principal, interest, and property taxes. My mother was contacted by a local business man in XXXX who essentially told her that he owned her house now and that she should start paying him or he would put her out. We found out that Litton had not been paying her property taxes and that he had purchased the home in a tax sale. He wrote a letter to Litton Loan explaining such and drew up a contract with my mother. Litton then sold the loan to Ocwen. My mother file CH XXXX bankruptcy and pursuit of the debt seem to stop. I found out that it was reporting on my credit file and disputed it based on the history and mishandling of the account all along. They started reporting the account as " association terminated '' in XXXX of XXXX and deleted all account history. As of XXXX XXXX I get an update that state that I am XXXX delinquent on the account owing over {$15000.00}. I just gained access to the website and have found that there is no up to date information, statements, nothing. How can I be 180 days late on an account that has no history. The credit reporting alone is a violation. The loan should have never been sold to anyone when the original servicer was mishandling payments and not paying property taxes resulting in a loss of ownership and equity. My mother is now making payments to a person she never borrowed money from.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (IL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Every month for the past 6 months Ive been paying my credit card by the due date, yet I get a late fee charge every month saying I did n't pay the right amount by the due date. I have to write in and get a credit or call and yet the minimum payment includes the late fee amount. Another thing is that I lost my card and a new card was issued. well on my credit report it shows  XXXX  reports on the same card,  XXXX  for the lost card and  XXXX  for the new card. they  XXXX  have late reporting of 30 days but the problem is the first one that shows lates on a particular month is showing no lates on the replacement card account..this is happening on li ke 4 diff erent months ... I called and disputed this 4 times now and it has not changed either ....

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 07-12-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: New modication in place, concern about fees paid by consumer for legal representation, DTI, NVP, and catastrophic illness of child in home, as a hardship, having explained this to previous loan servicer already, and having new laws in place, I would think my individual issue with home retention, asking for QWR for payment and other mortgage faults generated on servicer end looked at, the statements having been sent to my home asking for almost XXXX when the prior servicer poised to offer a workout after being turned down 3 times for a modification buy offered an in house mod after forced into a chapter XXXX, allowing my attorney steer me into a decision to convert to a XXXX, decided with other legal advisor a XXXX is where we were better off, but servicer asked for a XXXX increase, now the second servicer is asking for a XXXX increase as a XXXX tier XXXX is placed with a Balloon expected at Maturity but no correspondence with actual and all specs are explained transparently for what reason, not to benefit me it seems, with their saying they are here to help etc. etc, but monetary figures throughout structure does not seem to add up. As I said, increases to XXXX from XXXX now to almost XXXX is XXXX more between the XXXX servicers sharing same office space in XXXX XXXX XXXX Florida. XXXX payments they are saying are owed, on second mod, but first mod all payments were met with concern where they were allocated, XXXX XXXX XXXX XXXX XXXX XXXX, keeping current mod to become current seems is needed , but DTI and NVP were not a concern in my opinion to help my entire portfolio of debt and prosperity servicer has not asked me transparently XXXX on XXXX. Factual amounts of mortgage payment is not correct. Investor selling off its mortgage notes and servicer selling off its servicing rights leads me to be vigilant and concerned about changes happening in the set up of repayment and XXXX senario with statements sent to home now.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2017 about Debt collection (Medical debt) with Receivables Management Partners, LLC (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This debt is dated for XX/XX/XXXX ( was at work ) or XX/XX/XXXX ( moved back to NJ in XX/XX/XXXX ) for XXXX. I never received a notice on this debt, the debt is on my credited report. I called the collection agency I told them that this debt does not belong to me and to remove their name from all XXXX credited bureau, because it 's affecting my credit score. I was told they could not do that the debt is in my name and I had to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Debt collection (I do not know) with GC Services Limited Partnership (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: On XXXX XXXX, 2017 I had a message left on my cell phone from a XXXX XXXX a manager at GC Services a debt collection company. The call came from XXXX but I was asked to call back at XXXX. I had the same message left on my cell phone and work landline on XXXX XXXX, 2017 but from a different employee. When I look up contact numbers for GC Services, this number is not listed. I would like for this company to stop calling my work phone, as I have asked them before on a date before the XXXX XXXX, 2017 message but they continue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: TOLD COMPANY NEVER OPEN A STUDENT LOAN EMAIL AND CALL FOR PROOF OF DOCUMENT NOTHING WAS DONE

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 05-02-2016 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: OPTIMUM OUTCOMES, INC.is reporting XXXX debts on my credit report for XXXX each. I have requested verification and validation of debt numerous times. I have never been to this facility and this debt appears to be reported twice which is a violation of the FCRA. I want proof of this debt and that I owe it. My social is XXXX and date of birth is XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage was transferred to GreenTree servicing XX/XX/XXXX. We have had nothing but problems. 
1. Applied for loan modification under XXXX. They told us our mortgage/payments HAD TO BE CURRENT, and eventually only qualified us for a XXXX yr term. 
2. Called my employer ( School that I teach at ) and harassed me and disclosed our financial state with the school secretary numerous times. I was called/harassed at home numerous times even though we told them we filed Chapter XXXX. 
4. When I called to make payments, was told I had to use Speedpay and there was a {$12.00} fee. 
5. Often time, even now, I make my payments online and it takes them 2+ weeks to post them to our account. Often times, we are changed a late fee as a result. 
6. MOST IMPORTANT : We have NO CLUE what our balance is and what is going to principal or interest. We do n't get statements- they tell us we will not get statements since we filed Chapter XXXX although we did n't file it on our home/mortgage. 
7. WE ARE BEING CHARGED $ XXXX AS BANKRUPTCY FEE FROM GREENTREE. When I call and inquire ( numerous times ) they claim " We will look into and get back to you. '' THEY NEVER HAVE IN 2 YEARS. 
8. We had an overage in our impound account- Like {$4000.00}. When we asked to have that refunded to us, we were told numerous times " A check is on it 's way to you. '' We never got a refund. We were then told the overage was added back to our principal ( even though they will not give us a statement/ account summary of our balance so we could verify this. '' 3 months later, they sent us a bill because our impound account was short $ {$.00} 
9. We do n't know who our mortgage servicer is now- We have n't received a letter or statement in 3 months. We " heard '' on the news Greentree does n't exist and do n't know who to pay or call. 

We feel soo robbed, and ripped off. We are still being charged $ XXXX monthly for " bankruptcy fee. '' PLEASE HELP US!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Starting in XXXX of 2017, multiple credit inquires were made by companies and businesses that I did n't authorize. I have a credit verification statement placed on all 3 credit bureaus yet the credit inquires were granted. I was only notified after the fact via checking my credit report. I also included my phone number to verify if I authorize a credit inquiry. I fear that my SSN was used by someone pursuing credit and now my credit limits have been decreased on 1 of my credit cards ( XXXX ) due to these multiple inquires. All 3 credit bureaus have yet to report paid off balance or call/contact me about these numerous inquires. Also, multiple charges and cash advances were made without my knowledge as well ( XXXX ). Credit Bureaus at fault ... XXXX Experian XXXX I have started a Identity Theft Report with the Federal Trade Commission as well ; I have already been a victim of identity theft before.

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 05/22/2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (NY).
Issue: Fraud or scam

Complaint: I purchased a pair of XXXX XXXX boots from XXXX XXXX XXXX through Paypal on XXXX/XXXX/15. The boots were {$550.00} plus a {$25.00} shipping fee but I never received the item.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have no recollection of this credit inquiry. Nor do I have an account with this company. 

XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX This company DEFINITELY can not produce any documentation or signatures where I have applied for any credit them. I need this inquiry removed. Equifax never attempted to investigate the dispute. They deemed the inquiry valid without investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Hello, I was wondering if someone could contact me in order to offer me some advice or direction in my current situation. I am XXXX and live in XXXX County, Maryland and attended XXXX schools. 

I grew up with a single father with mental illness after my mother passed away when I was XXXX. Our family could not afford health insurance so my mother could not go to the hospital when she had a ruptured appendeix. Because of my father 's XXXX XXXX, he could not provide any support or advice in my life decisions. 

The reason I am sharing these personal details of my life is to paint a picture of what barriers I was facing at XXXX when I wanted to attend college. 

Coming from an affluent area in XXXX County, I knew what career success looked like. My parents never achieved this type of success so this naturally motivated me more to work hard to have a successful future. I learned at a early age that intelligent individuals are evenly dispersed among any population but unfortunately wealth is not. I was one of unlucky, XXXX children that was aware of this discrepancy ; possibly the worst of all scenerios. 

Because my dads lack of experience in this area, and his XXXX struggles, I was on my own in figuring out how to apply to, and finance college. Like any teenager with a question, I went online and typed in, " How do I pay for college. '' I clicked on the first advertisement I saw, and ended up taking out XXXX private loans from XXXX XXXX to finance my college at the University XXXX over XXXX years. I had never heard of FAFSA, I was not aware federal loans and their forgiveness programs, I did n't know what a grant was or how to find scholarship opportunities. 

You might question, " Why did n't you get this information from a high school counselor? '' The answer is simply, " I do n't know. '' I assume possibly fell through the cracks because I was a XXXX, XXXX student that looked like my affluent, well supported peers. My struggle of lack of educational support motivated me to dedicate my life to support student. I am now a XXXX myself. I feel no student should feel alone in their educational journey. 

I am now XXXX, and because of the high interest rates of XXXX XXXX loans, I am {$110000.00} in debt. Some of my loans have doubled in their initial amount due to interest since I have XXXX. I ca n't pay the monthly fees now, and I do n't know how I will ever pay this loan off without significant financial struggle in my life. 

I am asking for advice, assistance, references to help me in any way. Thank you for your time, listening to my story and I look forward to hearing back from someone soon.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Debt collection (Medical) with TH Professional & Medical Collections LTD (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: T-H PROFESSIONAL & MEDICAL COLLECTIONS LTD HAS PRESENTED ME WITH A FRAUDULENT BILL FROM A MEDICAL PROVIDER. I CONTACTED THE PROVIDER DIRECTLY AND THEY ADVISED THAT MY ACCOUNT IS CURRENT AND BEING PAID AS AGREED. THE MEDICAL PROVIDER ALSO INDICATED THAT THEY HAVE NO RECORD OF REFERRING ME TO THIS AGENCY. MY ACCOUNT IS CURRENT AND BEING SERVICED AS PREVIOUSLY AGREED TO.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Associated Credit Services, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: on XXXX/XXXX/2015. XXXX was sent to delete collection. XXXX # XXXX. Collection was deleted as instructed but has reappered on my credit file today.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I applied for a CITI card. They stated that THEY WOULD NOT PERFORM A HARD CREDIT CHECK it would be soft, looked at my credit report today XX/XX/18 and it had already shown up that XXXX had performed a hard credit check. I want it removed from my credit report as I DID NOT AUTHORIZE THIS!

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 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Transunion and XXXX  has continued to report an inaccurate and unverified bankruptcy that has no accounts included to support it. I have sent in notarized dispute letter after dispute letter with a document from the court stating that the federal bk court does not furnish any information to credit reporting agencies. XXXX XXXX is suppressed. They will not provide me with any verification of proof that I have requested. One rep from XXXX   told me over the phone while checking on a dispute that they don't have to provide anything to me. I said that's a violation of section 609 and you have up to 15 days to delete this bk but she did not.

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 11-06-2017 about Payday loan, title loan, or personal loan (Installment loan) with Money Services, Inc., d/b/a Texoma Finance (OK).
Issue: Charged fees or interest you didn't expect

Complaint: I paid my account in full before the court date hearing on XXXX XXXX th 2017 they charged me XXXX for the processing and other fees intop of my payoff when I told the company that I paid it off before court they said that I still had to pay it the company cursed at me and called me a snobby snot after asking for the supervisors number he would not let me speak and accused me of cursing when I did not I am very upset how they have treated me I need something done and help in what I need to do this loan company is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-09-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I was given a reverse mortgage with Bank of America and applied for a loan mode that they approved six months later after I mailed all paymnets on time they said my loan mode paper work was lost and I am being forclosed. I turned to my lawer to stop it and while we are waiting for court Bank of America turned around and sold my account to XXXX XXXX mortgate before we had a chance to go to court in XXXX 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 08-01-2016 about Debt collection (Credit card) with Continental Finance Company, LLC (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They called me 5 times in a single day as a payment reminder without leaving a single message to explain who they were.

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 07/17/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Fedloan servicing automatically processes any overpayment into a pre-payment bucket that reduces the next month ( s ) payment. This ensures the consumer receives no principal reduction or any benefit whatsoever from making larger monthly payments to reduce the time and interest expense. Also, the only remedy they offer is to remove the pre-payment option. However, you may find that they reinstitute it a year or 2 later because the removal was not 'permanent '.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/28/2016 about Credit card () with TD BANK US HOLDING COMPANY (LA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I had a Target store card and they " upgraded '' it to a credit card that can be used anywhere and it was stolen, I informed the credit card company and they sent me an affidavit. I filled it out and sent it back. A month later I received a letter from Target saying my claim was denied and because I did n't provide them with a police report ( they never shared I had to ) and when I asked why noone called or communicated that I needed to get one, they stated they do n't have to tell me that. They are now sending threating letters to report it to my credit and everytime I call to speak to XXXX ( the claim specialist ) she refuses my call and " supervisors do n't speak to consumers on disputes ''. I need someone to step in because this is unfair treatment of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Settlement process and costs

Complaint: on XXXX XXXX, 2015 our XXXX mortgage with Ocwen was cancelled as part of a Chapter XXXX that has since been dismissed. Ocwen did NOT notify our county with the reconveyance that the XXXX mortgage was satisfied. On XXXX XXXX we had the closing scheduled on the sale of our home and our title company let us know that the XXXX mortgage was not released according to our county. The gentleman that was going to purchase our home has cancelled. We are in the process of working with another family and they are paying cash and want to close quickly, we have put a down payment on a new home in another state and we must close by XXXX XXXX or we will lose our deposit. I was supposed to start a new job in NY today, obviously I did not. I have spoken with people from OCWEN everyday since XXXX XXXX, I have emailed, cried, begged, left messages, and I got nothing. I offered to pay for overnight service, nothing. I have asked them to forward the document directly to me and not the county, as our title company can file it the day I receive it and the closing will be quick. I am begging for help, we do n't want to lose the home we are trying to purchase, but without the closing, we can not purchase our new home. We do n't want to lose yet another buyer because we do n't have that document. I will forward the IRS cancellation of debt statements. OCWEN is not in disagreement that it is a XXXX balance, they just wont process the document we need to sell our home. Any help is greatly appreciated. thank you, XXXX and XXXX XXXX

Company response to consumer: Closed with non-monetary relief