milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-01-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Good Afternoon, I recently filed a complaint about our mortgage, Ocwen and how they wo n't re-evaluate our mortgage and the monthly payment. We are on the HAMP program, which is supposed to lower our payment but because of a miscalculation of of escrow last year, we are now paying way more! I have enclosed a copy of an accrued amount which is applied to our principal. They did n't include our hazard insurance and we had a surplus to our escrow and now they realized it and now we are paying more. Also the wo n't help is because the investors ca n't. We are also paying more for what our home is worth. I also made an appointment with the relationship manager, XXXX XXXX, for today to discuss some payments options, but no call. They are also constantly sending us paperwork to do a short sale and or foreclose. We are making our payments with the late fees, because we are late, but they are still sending us paperwork. Also they have a person taking pictures of our home. It 's not like we are not making our payments. My previous complaint number is XXXX. Ocwen promises that they will keep you in your home but does n't come through as it says on there website, statements etc. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (NJ).
Issue: Account opening, closing, or management

Complaint: Wells Fargo Bank in NC, where I bought and sold a house and relocated to XXXX, kept over {$3000.00} in an escrow account after I closed on my house. They then claimed I abandoned the money and they turned it over to the state of NC. All the while, I had several existing accounts with Wells Fargo, including a stock account but, they claim they could n't locate me? I still have a WF account, including a credit card account, with WF. 
After more than 3 years of trying to claim ownership of my funds from WF and the state of NC, I have been told I have n't provided enough evidence I " owned '' the money or " proved satisfactorily '' I am who I say I am. 
Is there anything you can do to help? This seems really unfair that they contacted me to tell me that they have my funds but not turn them over to me because they ca n't find 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 05-04-2016 about Bank account or service (Other bank product/service) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Problems caused by my funds being low

Complaint: Regions Bank is unlawfully reporting an account on my credit report. I was unlawfully " opted in '' for paying overdrafts when I never consented. I received overdraft fees and they charged me fees on a deposit advance product they had, when they said they would n't.

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 09/22/2017 about Vehicle loan or lease (Loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (MS).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: On XXXX XXXX, XXXX, I was returning to work when my car just shut down with no warning. I called roadside assistance and had the vehicle towed to XXXX in XXXX, XXXX XXXX The next day they called and towed me my motor was gone in my car. I could not believe what they were saying. I asked how. The lady replied, " A rod was blown. '' Immediately upon this diagnosis, I had the car towed to XXXX XXXX XXXX, XXXX XXXX They told me the motor was gone as well. My service advisor said the engine filter was wet. I was informed I caused the damage and my motor will not be covered under the XXXX mile powertrain warranty. I purchased this car as XXXX from XXXX XXXX XXXX XXXX XXXX XXXX or XXXX miles already on the car. Now XXXX XXXX says I owe that balance regardless of what is going on. They even told me if they repossessed the car and resold it they will NOT close the account on my credit report and will report it late for the term of the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I had disputed a civil public record showing on my credit report due to wrong reporting and inaccuracies, under the ( FRCA ) reporting agency, Starting onXX/XX/XXXX, the XXXX major credit reporting companies - Equifax,XX/XX/XXXX andXX/XX/XXXX - will change the their rules for the types of public records they collect. In the future, all items on the credit report will be required to contain the subject 's name, address and Social Security number of date of birth. Entries without this information will be deleted. The most obvious effect will come in the removal of tax lien records and civil judgments from many reports. About half of all tax lien records and almost all of civil judgments for inclusion on credit reports and will therefore be removed. Tax liens comes from unpaid state or federal tax bills ; civil judgments come from lawsuits related to old debt, unpaid child support, evictions or other non-criminal debts. Inclusion of either type of records negatively affect someone 's credit score. will be invalid effective XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Debt collection (Other debt) with Receivables Management Partners, LLC (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX sent me a letter dated XX/XX/XXXX claiming that I ( XXXX XXXX ) have done and/or you ( XXXX XXXX ) the following : -Neglected to pay promptly my obligations -Failed send money as a payment -Failed to use the opportunity to contact XXXX XXXXthat XXXX XXXX has offered -Billed me repeatedly ( inferring that I have ignored your statements sent to my residence ) -Owing a lump sum of {$8200.00} for XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX claims are in error ( blatantly wrong ) because : -I sent a resolution letter stating what I can on a monthly basis on XX/XX/XXXX - {$5.00} per month sent out by the XX/XX/XXXX of each month as a payment - {$5.00} payment was enclosed in the resolution letter for XX/XX/XXXX payment There are three ( 3 ) different debts that I owe from XXXX that I sent three ( 3 ) separate resolution letters for, which are : -Account # XXXX -Account # XXXX -Account # XXXX Each month, three ( 3 ) seperate letters are sent with {$5.00} payments all to XXXX XXXX at XXXX. XXXX XXXX, XXXX, MI XXXX I have only received one ( 1 ) letter each for each of the three ( 3 ) different debts and never repeated billing of each of the three ( 3 ) different debts and/or phone calls. 


Therefore, XXXX XXXX letter comes off as predatory and intended to scare me into your terms and conditions of payment. In the resolution letter, XXXX XXXX has had the opportunity to communicate with me via postal mail. By postal mail, it is most effective to keep documentation of what is discussed between us ( XXXX XXXX and myself ). Instead, XXXX XXXX sent me a predatory letter with erroneous claims. Plus, when did XXXX XXXX and Iagree to combine accounts into a lump sum amount to pay towards?

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (MI).
Issue: Incorrect information on your report

Complaint: WE fell behind on our mortage a few years ago. Step forward program helped us save our family home. SInce this program we have been faithfully paying our mortage. I also thought PNC would lower my current 8 plus interest rate. The problem is since this happen I have contacted PNC Bank to get them to remove my loan from the foreclosure level without any luck. I have spoke to managers on several occasions and they keep telling me the same excuse, they cant help me or another manager needs to fix this issue. Meanwhile my credit is still not bouncing back > What more Can I do to improve my credit rating so I can get a lower interest rate from someone else since PNC wont help?

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been a victim of Identity theft as a result several accounts were opened in my name. I have filed a police report and sent it to collection agencies letting them know the debt is not mine but Equifax still reports me negatively on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Debt collection (I do not know) with FAIR COLLECTIONS & OUTSOURCING, INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I sent letter to debt collector/creditor to verify debt I received no response and/or documents. I mailed letter on XXXX XXXX and have proof from post office verifying this. I have complied with all credit reporting laws and have given the appropriate time to respond and would like this matter resolved and deleted from all credit bureaus.

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 01-05-2018 about Payday loan, title loan, or personal loan (Installment loan) with Big Picture Loans, LLC (MN).
Issue: Charged fees or interest you didn't expect

Complaint: I was approved a loan in the amount of {$600.00}. I chose the 1 yr option. I was led to beleive the outrageous interest rate was on the annual interest rate. However, i recently contacted them to find out how much I needed to pay the loan off. And I was told I owe XXXX to pay this loan off. What??? I have already paid almost 2k for a XXXX loan. This is highway robbery at it 's finest. I told them that the amount of interest is illegal in the state I applied and received the loan in. 
They said they are a tribal lender, therefore immune to state and federal law. This is so wrong. They should be held accountable just like any other business that operates within the US. Or keep it inside their reservation. Also they need to be upfront and clear about the interest rates. I was led to neleive the interest rate was annual. But to my surprise, it 's on a daily. How is that legal. I checked and the first 6 payments was entirely interest. This was not what I signed up for. They are crooks.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Mortgage (VA mortgage) with Pacific Union Financial, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My VA Loan, my mortgage company are taking my escrow and increasing my morgate Payments 15-25 % saying they have sort and illegal XXXX insurance on me even thought I have paid up Insurance already for 12 months, now after money complaint The send me a letter saying that my morgate account Have ecsow surplus now XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX. XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: XX/XX/XXXX {$5000.00} XX/XX/XXXX {$4000.00} XX/XX/XXXX {$1000.00} Amounts paid to XXXX XXXX ( XXXX XXXX ) for investing. XXXX claimed to be a broker trading on the stock market, trading stocks, commodities, currencies, and indices. They claimed to be based in XXXX. They are not, and were never registered brokers in XXXX or the U.S. where I reside. This is required to be able to provide this service. The platform used for " trading '' was nothing more than a video game not connected to the market in any way, shape, or form. I have submitted all documentation to Citi, but they have denied my dispute saying " they provided trading ''. They sent me a letter saying " this is the last we will say about this ''. They were not submitting my dispute to XXXX, because of other reasons that I am not disputing.

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 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
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: I have a private student loan with   XXXX   ( original creditor ) that is listed on my credit report as a charge off in the amount of {$21000.00}. Every month it shows up that I have missed a payment on my student loan to  XXXX .   About 2 years ago this loan was sold  ( ? ) to  XXXX  who now services my loan. I came to an agreement with FAMS that I would make payments of {$120.00} every month until the loan was paid in full. This amount is taken out of my checking account every month and I have never missed or been late on a payment for 24 months.   I have contacted FAMS and   XXXX   and explained that since I am making payments to FAMS, who is servicing the loan for  XXXX , I do not believe it should be reported that I am missing a payment every month to   XXXX  .    XXXX  wrote me back and told me that they can still report every month that the debt is charged off and that I have missed a payment.   Is this correct - seems strange that the loan owner can report a missing payment when I am making monthly ontime payments to their servicer.   Thank you  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 02/14/2018 about Debt collection (Other debt) with CL HOLDINGS LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On XX/XX/XXXX, XXXX XXXX XXXX XXXX reported a debt of {$660.00} to the credit bureaus. This debt originated from XXXX XXXX. I never received ANY form of communication from XXXX XXXX about attempting to collect this debt. I called them today XX/XX/XXXX to resolve the matter. I waited this long hoping would receive some form of communication. When I contacted them, they tyold me my case was being handled by another agency. So they NEVER contacted me, reported it to the credit bureau and sent it to someone else. I contacted that company : XXXX XXXX XXXX. They were very helpful in letting me know I could pay in full or pay half to settle. I wanted it removed from my credit report since I was NOT contacted AT ALL. They informed that only XXXX XXXX could remove it. I called XXXX back and they said NO. They told me they do not have to contact me at all and they can report it at any time. This gave me no opportunity to resolve the matter before it going on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX is reporting to the XXXX consumer reporting agencies an acct that should be closed because XXXX brought out my contract with XXXX. XXXX was also supposed to have paid the remainder of my bill with XXXX as part of their XXXX promo. I am no longer a XXXX customer so why are they reporting this account as open. I no longer have any XXXX phones. This account should closed and off of my credit reports.

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 10/23/2016 about Credit card () with SYNCHRONY FINANCIAL (PA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: We had a Banana Republic XXXX Card run by Synchrony bank. This card was stolen electronically 4 times in 4 months. That is, there were fraudulent charges made on the card while it was still in our physical possession. We were told that the fraud would be investigated but never informed of the outcome of the investigation. We were promised identity protection by XXXX representative and then informed by another that this protection was never purchased for us and could not be awarded by the bank. After the fourth time we were informed that the card yet again had fraudulent charges on it ( XXXX ), we requested to pay the account off in full and close the account. We informed the representative yet again that it was clear that fraud was occurring within the bank and that someone was hacking our account information as we had not lost the physical card. At this time XXXX XXXX XXXX, in order to close the account, we paid in full the amount the representative told us was required to close the account. We were required to do so without being able to see our bill and assess what charges were ours and what were fraudulent. We did this because we wanted to get away from this bank and the continuous fraud. We requested and were promised that documentation proving that the account had been paid in full and closed would be sent on XXXX. This information was never sent. In XXXX, we were alerted yet again of fraudulent charges on this same credit card, which we had attempted and been told had been paid in full and closed ion XXXX. We requested again that the account be closed and again alerted the bank of the theft history and the numerous times we were promised steps and protections by the representatives ( i.e. identity protection, documentation of the closing of the account ) that were never ultimately provided. In XXXX we received a check for around $ XXXX {$250.00}, reimbursing us for overpayment from the bank. On XXXX XXXX we received a bill on this closed account telling us we owed close to {$700.00}. When we spoke to a representative on XXXX about this charge they informed us that the amount reimbursed to us in XXXX was doen so in error and that the account had not be paid off or closed on XXXX as we were informed. On XXXX we informed the representative that we should not be held responsible for any charges made after XXXX when we requested the account be closed and had paid the full amount we were told was required to close it. We also stated that we should not have to pay any interest related to these fraudulent charges. The bank representative informed us that he would speak to his managers about the issue but also stated that we were responsible for this {$700.00} bill. We informed the bank we would not pay this charge and were filing a complaint to CFPB.

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 05/25/2016 about Debt collection (Auto) with NISSAN MOTOR ACCEPTANCE CORPORATION (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: It 's with Nissan of XXXX 's debt collector. They just keep calling and wo n't stop either. From XXXX different numbers they have called and everytime the people are very rude and not the nicest either.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XXXX XXXX XXXX, stated if I pay them in full XXXX XXXX. 2016, they would remove this information off my credit. I paid in full they have not removed the information off my credit to this day, after many attempts. XXXX is collecting for capital one bank Reference # XXXX ph # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (CA).
Issue: Account opening, closing, or management

Complaint: I am the executor of my Aunt 's estate and have submitted all necessary paperwork to close her Paypal account numerous times but even though they say the account will be closed in 1-2 business days it has been over a month. I have talked to many supervisors there a number of times with no progress. Since there is no office I can go to in person, I need your help to close this account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Consumer Loan (Title loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (SC).
Issue: Charged bank acct wrong day or amt

Complaint: OneMain Financial ( Springleaf Financial ) Lender caused overdraft fee for XXXX dollars. I had auto pay setup for my loan account and paid it early. I paid it on the XXXX of XXXX. It stated online that nothing was due, indicting that the autopay would not take money from my account. Yet on the XXXX of XXXX, the money still came out of my account, causing me to pay an extra month early and a XXXX dollar overdraft fee. I called requesting that they refund the XXXX dollar overdraft fee and they would not. I also unenrolled out of auto pay for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax is not responding to any of my requests to investigate, verify and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (SC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I purchased a vehicle from XXXX ( XXXX XXXX XXXX XXXX, XXXX SC ) in XXXX. I have had several problems with the vehicle, receiving empty promises for the issues to be fixed. Once I started to file complaints with XXXX, XXXX, etc, XXXX began sharing my credit information falsely, saying I was denied credit.

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