milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-06-2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I am in the process of selling my home and purchasing a new home. My current home is financed through OCWEN and the sale is scheduled to close on XXXX XXXX. I missed the XXXX 2016 payment and paid it, along with the XX/XX/XXXX payment and the late fee, on XXXX XXXX. OCWEN reported this as a late payment in XX/XX/XXXX, with the account being 30 days delinquent. The lender for my new loan denied my mortgage because of the late payment reporting by OCWEN. Because this was the only time in my near nine-year history of this mortgage that the account was in delinquency status, I requested that XXXX waive the late reporting and was informed that this is impossible because it was not legal to do so. My attorney then contacted OCWEN and requested that they provide a goodwill adjustment, which is a legal withdrawal of a late reporting. They again refused to do so. Their refusal to help a customer who has only had one late payment in almost 9 years caused me to be denied by the lender for my new home purchase. Due to the terms of the sale of my first home, I must vacate that property by XXXX XXXX. I attempted to see if OCWEN would approve me for a new home loan since I can not get approved for a loan elsewhere, and I was referred to their new loan division, Homeward. Homeward informed me that they are currently not writing loans for new home purchases. This leaves me with no home, as I can not purchase a new one, so my boyfriend, XXXX children, and I have nowhere to go. I recognize that I am the one who failed to pay the XX/XX/XXXX mortgage payment, but as I have now paid it and paid the late fee, I feel that I have done my part to make it right. Additionally, the entire mortgage will be paid off in full in six days. I feel that one late payment is not cause for a punishment of a poor credit reporting that results in my denial of a home loan and not being able to buy a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Vehicle loan or lease (Loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (MO).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: I paid the car off on XX/XX/2018, the finance company was GM Financial, There was an overpayment of about $ 130+ I got a letter from GM Financial stating the loan was paid off and I got a payoff letter along with the paid contract, but NO refund check, they said I would get that latter before 30 days. They say they mailed it out at the 30 day mark, but over a week later I still do not have my refund. If I am late with my payments, they charge me a 30 day late fee, and they submit my error on my credit report. I called and asked why I do not have my refund and was told it can take 2 weeks in the mail, I can not see why this takes that long, I dont believe they mailed the check, and if they did, it only takes about 3 business days at the most. This is ridicules.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2016 about Debt collection (I do not know) with Financial Assistance Inc (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This morning I received an alert from XXXX that there was a negative entry to my credit. When I checked, there is a collection of {$380.00} from Financial Assistance in XXXX WA. We have NEVER received anything from XXXX telling us what this debt is for. In XXXX 2016 We moved out of an apartment called XXXX XXXX in XXXX, WA. The moveout fee they charged us was {$560.00}, and after negotiation they agreed that we owed only {$190.00}, which we paid to XXXX in XXXX. But never have I been contacted from Financial Assistance regarding owing {$380.00} and I have no idea what this is for. The company 's address is XXXX XXXX XXXX XXXX XXXX, WA XXXX and their number is XXXX. Please help me with this. I have no idea what this money is for and I ca n't have this negative entry going against my credit. The only way I even knew this exists is from the XXXX alert that there was a negative entry on my credit report and this is incorrect. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Continental Finance Company, LLC (OH).
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint: Recieved voicemail from a XXXX at XXXX saying to call within 24 hrs. I called told it was an attorney for Continental Finance and they are ststing civil action to collect {$520.00} for a XXXX I never had. When I asked why not on my credit report he said it was up till 2012 then company didnt want to pay to report. I asked him to send info and he said good luck and hung up. This appears to be a scam.

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 09/30/2016 about Mortgage (Home equity loan or line of credit) with NATIONSTAR MORTGAGE (TX).
Issue: Loan modification,collection,foreclosure

Complaint: As I stated in XXXX previous complaints, Nationstar Mortgage has been running a scam to get my house. I received a letter today requesting that I turn over my house to them or sell it. I resubmitted a request for a loan modification ( which they told you I could do after a date that I could even meet the deadline. ) I was not notified of cancellation of my modification, they extended my modification by one month and denied doing so. When I called them, they told me to resubmit my modification request. I did, they then told you I could be reapproved by XXXX XXXX, 2016 ( 3 weeks before I even knew the modification was cancelled. ) I am enclosing the letter I received today. These people have been lying to me on the phone, scamming me, lying to you, ( which these documents and my previous documents prove. ) If I had not borrowed money to bring this account into good standing they would have taken my house and evicted me. I had to pay over {$3000.00} to get my house back from these monsters. I had to sell my wedding rings to get enough money to do this. I am chronically ill, on XXXX and I 'm sure they were counting on me not being able to put together enough money to do this. I have friends with money.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
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: It is saying that I paid 100 % of the original amount. But it still reports negatively as a charge off. This loan was paid in full and reflects negatively. 

Overview You 've paid off 100 % of the original amount. 
Balance {$0.00} Highest Balance {$17000.00} Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( 6 yrs, 10 mos ) Term months Payment History Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Worst Payment Status No Info Account Details Account status Closed Type Auto Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Times XXXX/XXXX/XXXX days late XXXX Closed XXXX 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 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNIVERSAL ACCEPTANCE CORPORATION (NE) (CO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/ I bought a car from car hop in XXXX, Colorado. I owned the car for 4 months. 3 of which it was in the shop for major repairs. One of which was " fixed '' before I bought the car. I was told by service company it was never touched. In which case it was a timing chain. The car had car hop warranty on it. I wasn't even close on running out of warranty. After taking my car to the shop several times I became very frustrated. I was paid ahead on payments by a month. The company told me they'd stop my auto payments for a month. As if they were helping me out. But beings I was paid ahead it wasn't a help. They car wouldn't start. They gave me an offer to take a portion of my money back or choose a different car. I had already bought a different car two weeks before this. I had to as I could risk losing my job. XX/XX/. I missed work over this car as I had no way to get there and is a 60 mile round trip. I decided to take my money back. I had XXXX late payments. Now it's reported as a closed/charged off account. Dropping my credit score over 100 points. I called car hop and they said they had to report it that way to get it off their books. But the next month it would reflect as a non derogatory mark. That was at end of XXXX. It is still being reported as a bad mark. Besides being lied to on how they have to report it. You have to report it bad before you can report it Good? This company is fraudulent. This is not a chargeoff because I didn't pay them. They settled with me knowing I had a warranty claim on them. Then they knowingly reported wrong information and damaged my credit over it. 

Thank you, XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MI).
Issue: Account opening, closing, or management

Complaint: I opened a Citigold account today based on a promotional offer ( Promotion Code : XXXX ) XX/XX/2015. I met the terms of the promotion as confirmed by Citi representatives in two separate instances ( attached ). 

When the promotion points did not post to my account after 90 days of meeting the promotion requirements, initially Citi first said that was because I was not targeted for this promotion. When I showed then that I was targeted, they took another 60 days to respond with a different reason for rejection. This time they cited Terms and Conditions that did not exist with the promotion I applied under. Specifically they stated " Citibank only offers one promotion per customer, as stated in the terms and conditions. '' while the promotion terms and conditions stated " To be eligible for this limited-time offer, you must not currently have a consumer checking account with Citibank. You are not eligible for this offer if you were a signer on or owner of a Citibank consumer checking account within the last 60 calendar days. '' How can XXXX Citi agents confirm that everything is OK and I will be getting my points soon, and then another agents gives a completely different answer? Who is a consumer supposed to trust? If XXXX Citi agents, on different occasions are not able to accurately understand the terms of the promotion, how is a consumer supposed to 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 non-monetary relief
Consumer complaint received 11/15/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I did not give permission to pull my credit report from Equifax from the companies below. I reached out to creditors via mail and left messages. NO RESPONSE. 
Please REMOVE ASAP XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Credit Information Dept XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: My wife and I were trying to get a home equity loan. I asked for your help earlier this year, case XXXX, and I have learned more about the problem. Earlier in our loan, XXXX went out of business and Chase took over our mortgage. The loan was never transferred. This info was taken from your investigation earlier : On XX/XX/XXXX, in order to allow a new lien release to be processed, our Legal Department asked to have an Assignment prepared to show the transfer from XXXX XXXX XXXX to JPMorgan Chase Bank , N.A . However, on XX/XX/XXXX, we received confirmation from the Lien Release Department that XXXX XXXX XXXX had closed in XX/XX/XXXX. Therefore, the Assignment can not be obtained. 
We need to get this fixed ASAP as we desperately need the loan. Could you help or give me some information? Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 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: I have contacted Equifax on several occasions. First for several inquiries that I was not aware of on my report plus being a victim of one of the millions whom information was stolen. I advised them that one account on my record is not mines because I do not have a contract with XXXX XXXX XXXX. I am not liable for collection of this debt from XXXX XXXX of {$990.00}. I am not responsible for this debt so please deleted it from my report. I have contacted Equifax on XX/XX/XXXX, XX/XX/XXXX and they will not removed nor verified the information. I have sent in an inquiry dispute letter on XX/XX/XXXX they sent me a letter stating it was completed on XX/XX/XXXX. I called in to ask why was it completed because there was no way it only took one day to verify the information. I submitted another dispute on XX/XX/XXXX and the same thing completed same day. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX. Thanks in advance I have also added a fraud alert to all my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Mailed a dispute to equifax n XXXX received notice today that they were not going to do a reinvestigation due to I have not provided any relevant new information to warrant them to do a reinvestigation. However in the letter I sent to equifax I pointed out there are several social security numbers showing on m y credit report, that donot belong to me. The accounts that I disputed are not related to my social security number : XXXX XXXX XXXX XXXX XXXX XXXX bankruptcy XXXX bankruptcy XXXX bankruptcy XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On  XXXX   XXXX ,  2017 , I noticed that a  XXXX  phone bill had appeared on my credit files. I requested that  XXXX  validate the debt and send me a copy of the application that was used to open this account. They never replied back to the debt validation request.   Now, diversified Consultant is coming after me. I have continued to request that they validate and they continue to allow this to report on my files.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Trouble during payment process

Complaint: I have a mortgage with Mr. Cooper ( formerly Nationstar ). I flooded in Hurricane Harvey, with my insurance settlement being {$190000.00} which is being held by Mr. Cooper. I have uploaded my paid receipts so far, amounting to {$67000.00} out of pocket plus another {$18000.00} paid to my contractor today. However, Mr. Cooper refuses to release more than 10 % of my loan, amounting {$37000.00}, until I have completed 50 % of my home repair ( which would amount to nearly {$100000.00} ), at which point they will release 50 % of remaining funds. They have repeatedly refused requests for interim releases of money, leaving me paralyzed with the inability to repair my property in a timely fashion. They are now requesting another inspection, with a turn-around time of at least 3 weeks, before even considering release of more money.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have a joint student loan with my ex-wife and we are in the Public service loan forgiveness program. The loan was transferred from XXXX to Fedloans two years ago. Ever since we have received terrible customer service. We excite different advice each time we call. Now I do most communicating I writing but at times they do n't even respond to my messages on their " contact us '' section. Furthermore there is no way to track my sent messages and their replies. The messages vanish after a set amount of time. I have lots of documentation about the problems we have endured. We applied for the REPAYE plan in XXXX from Fedloans. We received approval and new terms in XXXX. A standard payment was assessed one month for @ {$2400.00} which I was told was part of the transition to a new plan. I made several calls to the servicer about this amount and was told it was being reviewed for a forbearance and would likely be granted since we are in the PSLFP. I called again XXXX XXXX and was told that an application for the forbearance had never been received. That is the first time we were told we needed to apply for the forbearance. Prior to that date other reps told us it was happening as part of the REPAYE submittal and not to worry about it. The nest day on XXXX XXXX we submitted all documentation and was told it would be reviewed promptly. This was on day XXXX into being late on the amount. I found out today that we had been reported Fedloans reported as delinquent to credit bureaus even though we were told this would not happen. Today I was told it would take 30-60 days to remove the derogatory statement from our credit once the forbearance decision was made. We have made all monthly payment on time since XXXX while waiting for the forbearance. Had we been told in XXXX we needed to apply for the forbearance we would have then. We never received this requirement in writing and was told the opposite by Fedloan reps that ithe forbearance was being reviewed as part of the REPAYE application. The REPAYE application has a place on it to request $ 5 monthly payments during the review period to avoid any forbearance amount. I have also received several calls from Fedloans about the amount past due and when I told the rep we were waiting on Fedloans for a decision the rep acted surprised until they reviewed our account. Not only did we wait 4 months for our REPAYE review we now have a derogatory credit report at no fault of our own. Please help us resolve the credit reporting issue. I am in the middle of refinancing my home and this has impacted that process. I would also like to have our loan transferred to another servicer. Never before with any other credit product I have I seen this type of customer service. Students loan XXXX are so hard to decipher unless you 're an attorney. Often times I know more about the programs than the services themselves. Please help us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-05-2016 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (CA).
Issue: Settlement process and costs

Complaint: When my daughter and son-in-law refinanced their home on XXXX/XXXX/2012 Quicken Loans did not file a Release removing my name and my husbands from the deed on the house. We had cosigned on a prior mortgage but not on the one with Quicken. Subsequently, creditors we were unable to pay filed liens against the property. We are unable to pay the liens and this has caused my family to be unable to refinance or sell the property.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (DC).
Issue: Deposits and withdrawals

Complaint: I have been attempting to redeem a " 15 year 4 % XXXX '' bond dated XX/XX/1985 issue # XXXX, issued by the Chase Manhattan Bank XXXX. and after calling on numerous occasions I have received vague and conflicting information without obtaining any results or satisfaction. The account # is XXXX and the tax ID associated with this bond is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I took this loan out in XX/XX/XXXX or XX/XX/XXXX ( XXXX ) and the SAVING & LOAN that handled defaulted it because he payment was too high ( for me ). I offered a little less but they were n't interested. I then became XXXX and went on XXXX around XX/XX/XXXX. The loan was discharged by nelnet approx XX/XX/XXXX or XX/XX/XXXX. I returned to work in XX/XX/XXXX and they began to grab my tax refunds. All of the years that I was on SSD should be considered since the interest is now XXXX $ a year among other lies I was told through the application process. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OCWEN LOAN SERVICING LLC (WA).
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: The mortgage company Ocwen stated my house was in bankruptcy and took the payment history completely off my credit report. Please see attached bankruptcy the house was never in bankruptcy. I would like them to show my payment history and that it is not in bankruptcy this is effecting my XXXX XXXX and credit history. I am a Surviving spouse of XXXX XXXX XXXX member.

Company response to consumer: Closed with explanation