milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/28/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Struggling to pay mortgage

Complaint: I had a n 80/20 loan with Ocwen. I ne ed to hurry and sell my house because of losing my job and relocating to another city with my fami ly. Ocwen offered me 2 o ptions ... short sale and turn my house back over to them. I picked short sale and filled out the paperwork with them on  XXXX / XXXX /  XXXX  . I hired a realtor on  XXXX / XXXX /  XXXX  . I received a cash offer 2 days after hiring my realtor. I have the entire signed contract from our buyer to prov e it. Ocwen refused  to release my file. We lost that sale. They made us put the house up on their auction page. We did exactly what we were told to do b y Ocwen and we received another cash over on my house for the same amount. Ocwen still refused to release my file for the sale. We lost that sale also. In the meantime, Ocwen  sold my  2nd  mortgage off to  XXXX   XXXX  during all of our selling processes. My realtor got a  3rd  cash offer on the house with the new amount which only covered the first mortgage and Ocwen still would not release my file for the sell and we lost that buyer also. Our firs t 2 c ash offers were for {$100000.00} and the  3rd cas h offer was for {$85000.00}. In the end,  Ocwen fo reclosed on my house, sold it for {$74000.00} and wrecked my credit. We did everything we were told to do  by Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Hi, I just attempted to obtain a free copy of my credit report from Equifax online, using the official website listed by the FTC ( XXXX ). I was able to get to the Equifax free report website and provided all the requested information. Without any explanation ( i.e., no message that my information was incorrect ), the site directed me to fill out a paper form and send it by traditional mail. The paper form required a lot of additional personal information that is not required for obtaining an online report. By doing this, I believe that Equifax is attempting to circumvent the free online service that it is required to provide. Please look into this issue. 
Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-08-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On my credit report I saw a debt that I do not owe. I wrote and sent a certified letter to them ( XXXX ) XX/XX/XXXX. They did not respond within the 30 day time frame. I disputed the debt to the 3 credit bureau 's XX/XX/XXXX. The company ( XXXX ) and debt was removed from my credit report. Then I received a bill from the debt collector ( XXXX ). A date stamped envelope with the date of XX/XX/XXXX with a bill ( XXXX ) of an account that I have never had. XX/XX/XXXX I noticed the same debt collection, this time from another company ( Enhanced Recovery ). I sent them ( Enhanced Recovery ) a certified letter XX/XX/XXXX, only to learn that I should have written to you when I saw that the debt collector transferred the debt to another collector. I have have my mobile services with the same company for 12 years ( XXXX ) with the same telephone number and have never switched companies at any time. Please find all supporting documents to this complaint. I an disputing this bill that I do not owe. I am reporting this company ( Enhanced Recovery ) that is attempting to collect a debt that was previously removed from the 3 credit bureau 's, I am proving that I am with the same carrier and do not have a past due balance with them from XX/XX/XXXX and have never had another account with the same phone number. Moreover, this debt was erased from my credit report and should have never been transferred to another company. I thank you in advance for looking into this matter. 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 09/27/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Loan servicing, payments, escrow account

Complaint: ever since my loan was transferred from XXXX to this lender Nationstar there have been major discrepencies in the billing. For many months they would send a bill that i owe {$25000.00}. and another month stating something different. I have a loan modification agreeme nt since XX/XX/XXXX. But it seems like Natiotnstar is attempting to change my modification without my consent or official acknowledgement. My modification, which was signed by me and XXXX should be in effect until XX/XX/XXXX. In XXXX, i fell upon financial hardships and i missed XXXX payment. Hence, in XXXX i mailed XXXX payments to rectify and catch up. both payments have been cashed ( i had to pay post office to do research ) both money orders have been cashed via their records. Hence the payments havent been posted. When i called Nationstar ( mostly bc during my bankruptcy, they kept sending me collections via certified mail ) so i called to get some answers then i was informed that my mortgage payment has been DOUBLED. When i call every time i receive differnt answers, XXXX answer was my home insurance was increased, i called state farm ( my insurer ) and they only increased by {$110.00}. Then i was told that XXXX made error in their calculations years ago. I have requested several times for a copy of my modification, a copy of these increases and a copy of changes being made. I have not recieved anything i requested. I would like your help in this matter. I would like a copy of necessary documents and a ledger of all transactions made between me and this lender. I dont really like how they are doing business. I feel like they violated the banckruptcy terms and i would like the XXXX lien, to be stripped via the bankruptcy. this home is underwater. I am being harrassed and hoodwinked. i am poor but i do need a home to live in and i ffeeling real comfortable making my payments prior to getting with Nationstar. they are causing me undue stress and it is affecting my health.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Debt collection (Payday loan) with Credit Bureau of Jamestown, Inc. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am being harassed by a company called CBJ collections stating I took a payday loan in 2009 of {$600.00}. I have no recollection of that whatsoever, and they refuse to send me any documentation stating proof of debt. They have verbally harassed me with foul language and threatening court. I want all of this to stop ... they have called family members immediately without giving me anytime to call them back. want my name to be removed and to stop passing my name to other collection agencies.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Checking or savings account (Other banking product or service) with PNC Bank N.A. (AL).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: Ok first off I was never welcome into the branch managers office the first visit. I was told I could view a copy of what was acceptable but that 's it only a offer. Further more I did not go to another pnc branch that day nor any other day. This clearly shows fault into your investigation that I believe never really took place. I was very much so discriminated against even brought to tears due to your branch manager or vice president of that branchs harsh judgement and humiliation felt in front of my child. I never lost my temper inside branch location only briefly while talking over phone with your customer service rep. This has not resolved our dispute in no way since I had to read your final report here and the letter you mailed me with check for XXXX $ only said sincerely with no kind of remorse or apology. Upon reading this I want PNC to know im taking my newly found inheritance wealth of at least {$190000.00} and will use a large portion to seek council in order to not only make PNC take responsibility but also now because you blatantly right out lied on me in order to make me out to be the one in the wrong. Further more how can a XXXX 's gift card with my name on it Trump a  employee issued ID from XXXX XXXX. It cant PNC is at fault here and unless you resolve this issue very quickly in the amount no less then {$10000.00} for my daughter and I pain and suffering needlessly inflicted by your leadership members located at the XXXX branch. I will have no other choice but to continue forward with all proceedings. I hope for PNC state you take heed to my demands for this is not a threat but a promise. Today marks the day PNC thought they could mistreat abuse and under estimate a once potential customer but we 're showed in the wrong. My case is strong and my words hold truth. PNC on the other hand lies repeatedly only to deceive themselves into the snares they opened. I pray you make the right decisions and believe the words I have spoken to you on this day for my attorneys will not be as forgiven. Oh and I 'm not cashing your insult to injury {$10.00} check the envelope along with one word letter and check have been filed on my behalf to show the incompetent PNC and failed attempt at bringing this issue to a close. See you in court if I do not hear your response in a way that rings Justice has been served to my satisfaction. Oh and the branch manager you blindly place trust in should not be allowed to work in such a position to place judgements on people making their life burden while that person is dealing with the loss of a love one. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Using a debit or ATM card

Complaint: I have notice over and over again my accoutn being minus and find myself paying well over {$200.00} of over draft fees. And thing that I pay via debit should automatically show as being cleared the smae day. Bank of America shows everything as processing even the things I have debited. They could not answer my question when I asked. Long story short they had to refund me {$320.00} because they were wrong. This has been going on for a while and I am sick and tired of wasting my time EVERYTIME this happens. For all I know they may owe me alot more money. Can someone please investigate this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Credit card () with JPMORGAN CHASE & CO. (RI).
Issue: Unsolicited issuance of credit card

Complaint: At XXXX XXXX on XXXX XXXX, 2016 I received an email from XXXX that I had been approved for an Amazon.com Rewards Visa Card and that my credit limit was {$5000.00}. The email also included a link to add my new card " ending in XXXX '' as the default payment option to XXXX account for future purchases. The email said further that I should contact Chase for questions on my credit card agreement and that I would receive my card within two weeks in a plain white envelope. Finally, there were instructions for how to go to my Amazon account to view my {$80.00} gift card balance -- my bonus for establishing this new Amazon Visa. 
I did not apply for this credit card and had no knowledge of it until yesterday -- the date that I supposedly applied for the credit card. So early today, XXXX XXXX, 2016, I called Amazon and they immediately transferred me to Chase Bank. During the next 45 minutes I spoke to XXXX people in XXXX different departments, explaining to them that although I already had a Chase Freedom Visa Card, I had not requested nor completed an application for an Amazon Visa Rewards card through Chase. No one I spoke with was able to tell me how this account managed to be opened, nor could they tell me how all my personal information, which I had to confirm repeatedly, had managed to appear on the new application for this account. 
After much persistence on my part, the new Chase Visa account was closed. Finally, the Chase Security Dept. agreed to contact the XXXX credit reporting agencies to have the account marked " Fraudulent '' so that my credit rating would not be affected. 
After concluding with Chase, I called the RI State Attorney General 's Office and they referred me to the RI Banking Commission ; because Chase Bank is not present in Rhode Island, they referred me to the OCC. The OCC then referred me to CFPB, the agency that regulates JP Morgan Chase. 
At CFPB I asked to speak to a supervisor who was able to tell me that there had been numerous complaints about Chase and suggesting that I call XXXX to file a Fraud Alert which would then be relayed to the other XXXX credit reporting agencies. I did this and am now following through with an online complaint to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I placed a stop payment ONLINE with Chase Bank. The check number is # XXXX and the amount was {$130.00} I placed the stop payment XX/XX/17 and paid the {$25.00} fee. 

Chase changed the check number on the account to # XXXX so they could get around the stop payment. My bank statement says they cashed check # XXXX, but the check returned to me still say # XXXX. I dont understand how that can be, and CHASE refuses to give me an explanation. First they blame the other bank, then they say I did not contact them soon enough. 

Now they say the reason why they cashed the check is because I had a XXXX amount for the check amount when I filed the stop payment online. However, it is impossible to do a stop-payment online at CHASE without a check amount. THey are lying to me and committing fraud in covering it up. I am stunned!

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-03-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: There was a fraudulent transaction to my personal checking account on XX/XX/XXXX.  Somehow, there was {$1500.00} taken out of my checking account from a bank teller in XXXX, Arizona. I live across the country in XXXX, NY and have proof that I was at work the day of the fraudulent transaction. I checked my bank info online on XX/XX/XXXX and immediately submitted a claim when their department was open that following Monday.. I have now filed a claim with Bank of America that has been denied, sent a re-claim with documentation attached. Still have not heard back or what type of direction the investigation has taken after no less than 7 calls to their department. No answer on while they denied my claim or answers on how they have investigated  claim. This should be an easy investigation by looking at the bank cameras at the time, date and location and noticing it was not me taking out the {$1500.00}.

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 10/21/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: It seems that some information which is not mine is on my credit report ; I have asked the credit reporting bureau to send me proof of the original loan with my signature, but they have refused. Please remove these items or send proof of my signature on these loans. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
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: Sent letter to credit reporting agencies telling them the inquiries on my report are unjustified : the actions fail to comply with FCRA Section   604.
The letters are attached below.
Credit Agencies replied stating they did not need to investigate, verify, or remove inquiries.
Credit Agencies failed to prove 3 requirements and fa  iled to remove inquiries from 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 05/30/2017 about Checking or savings account (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (PA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: On  XXXX / XXXX / 2017  I was charged a {$35.00} insufficient funds fee even though I had {$280.00} in my account and processed a transaction of {$280.00}. The fee caused my account to be overdrawn.

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 09/13/2016 about Debt collection (Non-federal student loan) with AES/PHEAA (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: An individual identifing herself as XXXX XXXX from National Collegiate Trust called my husband, XXXX XXXX, telling him they were calling to collect on a debt in the amount of XXXX from the XX/XX/XXXX-XX/XX/XXXX school year. She told him AES ( American Education Services ) made a significant payment XX/XX/XXXX, but the debt was not paid off in full. 

She then asked him to verify the billing address and told him because he was my spouse she could provide him with this additional information. XXXX is not a co-signer on this loan and the notes are currently held by XXXX ( formally XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Mortgage (FHA mortgage) with RoundPoint Mortgage Servicing Corporation (TX).
Issue: Struggling to pay mortgage

Complaint: On late XX/XX/XXXX, we asked RoundPoint Mortgage Servicing Corporation to reduce our monthly mortgage payment of {$2300.00} which we considered was extremely high and we were unable to pay. We have a FHA loan for a small townhouse of 1893XX/XX/XXXX sqft. and at that time our interest rate was 3.625. They asked us to fill out a Borrower 's Assistance application to see how they could help us. The application was delivered to the Hardship Department on XX/XX/XXXX per the attached XXXX receipt. The person assigned to our case was XXXX XXXX which throughout the process was extremely rude. Nonetheless, he approved us for an initial trial period plan for a modification agreement ( attached ). I would like to highlight that before we signed the trial agreement, XXXX said that WE ONLY HAD TO PAY WHAT WAS ON THE AGREEMENT, SO 4 PAYMENTS FOR {$1800.00} EACH. Instead RoundPoint kept collecting in the background the original mortgage payment of {$2300.00} WITHOUT TELLING US ANYTHING. We complied with all 4 trial payments which led to the approval of the Modification Agreement ( attached ). It was only after we had signed the Modification Agreement and completed the paperwork that 2 late payments appeared on our credit report, one for 30 days and the other for 60-90 days!!! We complained to RoundPoint asking why they had reported 2 late payments to the credit agencies and they answered that it dated back to the trial period and that because it was a " trial '' agreement and not yet the modification agreement, we still had to pay {$2300.00} monthly. We told them that XXXX had clearly stated that we only had to worry about the trial payments, nothing else! If we asked RoundPoint for help in the first place was because we could n't make payments of {$2300.00}. But instead they lied to us and never told us what they were doing in the background. We have never been late 30 days on any payment! Now we have 2 UNFAIR late payments on our report that will stay there for 7 years!!! They are by far the worst mortgage company out there. You will only read the worst reviews about them in the internet.They are extremely disorganized, unprofessional, dishonest and should be out of business!!!

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 02/14/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: CREDIT SCORE XX/XX/2015 -- -- -- -- -- MIDLAND FUNDING LLC # XXXX XXXX , CA XXXX XXXX -- - Remarks XXXX PLACED FOR COLLECTION & lt ; Estimated month and year that this item will be removed : XX/XX/2015

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/13/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NM).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Once a week I 'm getting calls from all over the U.S. from " Navient '' asking for payment of my loan. They are aware I ca n't pay at this time, yet they are pushy in receiving this money and ask if there is anyone else I know that can pay it which is ridiculous. I feel that this loan provider is disrespectful when asking for money and even hearing my struggles to pay them off.

Company response to consumer: Closed with explanation