milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-08-2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Trouble during payment process

Complaint: I have a mortgage wi th Ocwen Loan Servicing and i hav e always made my payments on time. I received a payment coupon in  XXXX  and it showed my payment was going from {$830.00} to {$1700.00}. I was not given a reason why the payment was going up. My wife spoke to multiple people  at Ocwen and found out the reason the payment was going up was due to a mix up with the insurance. Ocwen s upposedly got the insurance problem fixed and told me the  XXXX  payment was to be {$830.00} and that if I paid {$500.00} toward the escrow account my  XXXX  payment would be {$830.00}. I mailed a payment  to Owcen for t he {$830.00} which was cashed on the  XXXX  and now  Ocwen is tell ing me they never recevied that payme nt. Ocwen the n refunded me {$870.00} on  XXXX  the  XXXX  and are now telling me the  XXXX  payment was never received and are now reporting me delinquent with the credit bureaus. I 've got nothing but a run around with  Ocwen and just want to get this resolved as soon as possible. Ocwen has directed me to send a copy of the cancelled check that they cashed to their research department. I 'm just a fraid this process is going to take too long. They have already sent me a notice that they are going to foreclose if I do n't bring my account current.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with BANCORPSOUTH BANK (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Bancorp South Mortgage upgraded its computer system and forced all customers to re-register their account. I need to change the direct debit account on my mortgage because I changed banks for my checking account. I called the bank/servicer to ask for assistance and they said to log-in and do it online. When I try to register the online account, it says I must click the verify link in a confirmation email. The email never arrives ( I have checked the junk and spam folders ). I have attempted this numerous times and I am unable to access my account and customer service wo n't otherwise assist with changing the account. If they try to continue drafting from the current account, it will overdraft and I ca n't stop it. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint: On XX/XX/XXXXor XX/XX/2018, I requested my bank Wells Fargo to place a stop payment to XXXX XXXX in the amount of {$220.00}. On XX/XX/2018, I was charged {$31.00} for the stop payment fee. To my surprise, on XX/XX/2018, when I checked my checking account, XXXX XXXX successfully withdrew {$220.00}. I immediately contacted Wells Fargo to ask why was XXXX XXXX paid {$220.00}, XXXX XXXX of Wells Fargo gave me a ton of excuses even though she saw that I had a stop payment to XXXX XXXX for {$220.00}. I was asked to get transferred to a supervisor and that's when I was talking to XXXX XXXX who did the same as XXXX. She gave me a lot of hot air was not able to explain to me why the bank made the error. Instead, both XXXX and XXXX said I need to fill out a dispute form and that once it gets investigated ( 10 days later ),  that I would either receive the funds back into my account or not. This bank is the absolute worst!

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 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX does not have a valid enforceable contract. I timely reported the vehicle to be repossessed when XXXX XXXX XXXX defaulted on payment. Any monies, if they were ever received from the auction of the vehicle should have been applied towards the balance of the loan. I dispute the debt many time and requested validation. I requested the item be removed from my credit. XXXX XXXX failed to conduct an investigation and failed to review all the relevant documentation provided already in their possession thoroughly enough thus violating their duty under 15 U.S.C. 168ls-2 ( b ) ( l ) ( A ) through 15 U.S.C. 168ls-2 ( b ) ( l ) ( E ). 39. With the failure to request removal of the XXXX XXXX trade line, and the failure to request the tradeline be marked as one in dispute, my credit score, a benchmark for near all facets of life in today 's society, was artificially deflated. XXXX XXXX 's actions were negligent and willful and wonton.

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 11-07-2016 about Debt collection (Medical) with State Collection Service, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I get a medical bills on my credit report who was already paid by my insurance still showing due and I start received some calls from collection agency about this debt who made some treated about this issue. I do n't have any knowledge about this issue and never received any last invoice from the office.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX XXXX XXXX I did not sign nor agree to no loan transfer or sign any agreement or terms that or to XXXX XXXX XXXX XXXX XXXX agreeing to new terms. XXXX XXXX XXXX XXXX is the originator of the loan. XXXX XXXX  XXXX needs to provide me documents of loan change and redone sign agreeing to terms agreeing to a loan transfer in my name. 

XXXX needs to provide me documents there the originator of this loan. According to the documents I sign XXXX XXXX XXXX Conduent Documents that was provided to me is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By the documents provided to me there is no ( XXXX ) on none of the documents I sign for the loan or the orgination/Originator of the loan. There is no ( XXXX ) no where on none of the documents I sign nor is any information they reported on my credit file with Experian legal to do there is no sign legal binding contract or loan with them. 
Experian has no documents that they sent me back on the uploaded documents showing this company ( XXXX ) as any original owner of the loan nor has Experian showed me any documents that I agreed to a transfer by XXXX XXXX XXXX XXXX. 
As on the Documents XXXX XXXX XXXXXXXX XXXX XXXX is not listed as the original owner of the loan as well as the documents supplied by them and sent back to me from Experian. 
I need proof from XXXX XXXX XXXX XXXX to how they are the original legal owner of this loan in to which there no where on none of these documents sent to me. 
As shown Conduent is shown on the document Experian needs to provide proof from ( XXXX ) that there the original loan not as a servicing company in which I never agreed nor sign any documents of any legal biding transfer of this account with no consent by me legally binding Further more this looks like fraud by XXXX XXXX XXXX XXXX ( XXXX ) as to no legal documentation just some transfer with out merit or legally binding.

If documents cant not be furnished to this matter I 'm going to pursue legal action on XXXX XXXX XXXX XXXX as well as ( XXXX ) to why there was no legal paper work sign or legally binding contract and why XXXX XXXX XXXX XXXX is no where on any of the documents as well as ( XXXX ) This look like a paper game with no real owner or legally binding as to the manes listed XXXX XXXX XXXX XXXX. 
XXXX is no where on any documents what so ever Documents uploaded as proof there is no XXXX XXXX XXXX XXXX no where on any documents nor ( XXXX ) so where is the legally binding agreement with ( 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 11-03-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (HI).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On XXXX XXXX XXXX I wrote a check to XXXX XXXX XXXX to hold an appartment for me. That same week I decided against that apartment complex and called up told them I changed my mind and wanted to pick up my check. They assured me that it would be destroyed and there was no need for me to come get it. Fast forward to XXXX of this year XXXX. The check came out of my account on XXXX XXXX XXXX. There was no signature but mine and no endorsement. I called Bank of America up right away and reported the fraud. At first they would not accept my claim because they said I wrote the check and it was my responsibility to get the money back. After a few days of me calling obsessively they agreed to investigate on XXXX XXXX XXXX. They refused initially to give the money back to me in a credit but they decided to do so shortly after the claim was submitted. Fast forward to XXXX XXXX. There was a debit that came out of my account for the said check. Immediately I called Bank of America and they said my claim had been denied and that they had sent me an email stating the reason and the date the temporary credit would be taken from my account. I have received no such letter. As of XXXX XXXX I have called everyday trying to get copies of that denial letter and a copy of my fraud statement that I sent in to Bank of America in late XXXX early XXXX. They keep giving me the run around. Today XXXX XXXX I called again to get my information and they were having technical difficulties and I was advised to call back in an hour. Since this debit my account has become overdrawn and my checks returned. I have tried to explain to Bank of America that I did not even have any notice or time to make sure that debited amount was in my account so that I didnt have these issues and it has fallen on deaf ears. I just want them to admit fault and return my money back. It is not right because this is a clear case of fraud and a stale dated check and they told me Its my responsibility to get money back from I do not even have a clue. Ive been a customer for almost 12 years and I have never been so wrongly treated.

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 04-06-2017 about Mortgage (VA mortgage) with QUICKEN LOANS, INC. (LA).
Issue: Application, originator, mortgage broker

Complaint: 11 months ago I submitted a loan application with Quicken Mortgage Loan Company to refinance a home loan. I provided all of the information the representative requested, an appraisal, pest inspection, XXXX for me and my wife an array of different documents and information all over a two month period to be told that the loan was not approved. the expense incloded {$400.00} appraisal, {$25.00} pest inspection and a XXXX point drop in my credic score because the company ran my credit report several times under different company names. Each week a representative from the company would call making additional and repetitive requests for the same information implaying that the loan was in the approval stage to string us along to the point that we could not go through another company to seek a lone because Quicken ; s multiple inquiries precluded us by dragging down our credit score. Unfortunately, Quicken failed in their promise to complete the loan. 
Two weeks ago my wife made an inquirery with Quicken again to secure a VA mortage loan. Again we provided all the information. The representative stated that the loan was in the approval phase. Today the representative stated that he needed me to file my XX/XX/XXXX taxes which are not due until XX/XX/XXXX. I informed the representive that I may have to request for a tax extension because I have business deductions. He stated that although he has my XXXX for XX/XX/XXXX, Quicken needs my XX/XX/XXXX taxes to be filed before the loan can be approved. I think that I have been mis led by deceptive loan practices and I feel betraied by the mis representation by Quicken and their loan agents and practices. Quicken could have informed be prior to me signing th papers for my credit information that I could not have income tax which showed adjusted income on my tax information. Quicken representative should have informed me that the amount of the loan request required me to have a specific income to qualify for the loan. If I could have been informed on the front end, I would have not have proceeded with the credit request, Now although I don ; t have any negative results on my credit score because of all the inquiries by quicken my score droped. Therefore, if I wanted to obtain a loan through another lender my score after their inquiries prevents me from applying to another company for two years. The inquiries that Quicken will remain on my credit file for a two year peroid. Quicken is not a prudent company and their loan procedures are deceptive and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have old addresses that needs to be removed that doesnt correspond to my current address and I've attempted to reach out to the three burues to have these removed and no luck

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
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 attempted to contact Equifax by mail and over the internet on multiple occasions to request they address my concern that they have placed XXXX accounts into my consumer credit report which are not consumer credit accounts, but were both for amounts the VA believed it had overpaid. Both of these accounts were paid but then both amounts were later refunded after a XXXX enquiry determined the amounts should be refunded to me. Unfortunately, the VA reported these accounts to Equifax, and they both appear as consumer credit entries on my Equifax credit report, despite not being consumer credit accounts. I believe that Equifax has violated the terms of the XXXX XXXX consumer credit agreement with the Attorney General of the State of Alabama that Equifax signed in XXXX XXXX which stated they would not post non-consumer credit accounts into credit reports. I received my most recent response from Equifax today ( XXXX/XXXX/XXXX ) and the continue to ignore my complaint that the VA overpayments are not consumer credit accounts and only state that the " This creditor has verified to OUR company that the current status is being reported correctly. This creditor has verified to XXXX company that the prior paying history is being reported correctly. If you have additional questions about this item please contact : XXXX 's XXXX, XXXX XXXX XXXX, XXXX XXXX MN XXXX > ''. I do not believe that under the terms of the XXXX state agreement that these accounts are authorized to be entered into my credit report per para XXXX of XXXX state agreement XXXX attached ) which states " The CRAs shall prohibit XXXX XXXX from reporting debt that did not arise from any contract or agreement to pay ( including, but not limited to, certain fines, tickets, and other assessments ). ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: When I requested for a credit report and score to know where I stand but nothing is showing up like I am deceased. I attempted to get the XXXX report but is showing no score at all, even the FIDC score as well. I recently requested for XXXX reports from Transunion and XXXX but it said they could not pull up a credit report. I find that very odd and that explains why my requests for loans were denied repeatedly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-11-2017 about Checking or savings account (Other banking product or service) with ALLY FINANCIAL INC. (WV).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: My husband has XXXX accounts with Ally Bank. They are IRA 's. He passed away on XXXX/XXXX/XXXX and I contacted Ally Bank for the first time on XXXX/XXXX/XXXX. I was the sole beneficiary of these accounts. I faxed a copy of the death certificate and my drivers license on XXXX/XXXX/XXXX to the IRA department at Ally Bank. The money from his IRA 's were supposed to be put into a new account under my name. I mailed the new account information on XXXX/XXXX/XXXX. I have repeatedly called Ally Bank since XXXX and have been told something different every time. Every time I ask what is going on I am told that I will receive an email in XXXX to XXXX days with the correct form. The email has never arrived. I called today and asked to speak to a supervisor and was put on hold and no one ever picked up. I have asked to speak to a supervisor several times and have been told that the IRA specialists are too busy.

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 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 'm a victim of the breach and also been a victim of identity theft before the breach. I need these hard inquiries removed because I have no knowledge of these. I did n't inquiry for accounts with them. I would like for these to be removed from my reports. 
XXXX XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 04-02-2016 about Debt collection (Credit card) with Atlantic Credit & Finance, Inc. (MI).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I was garnisheed by XXXX XXXX XXXX XXXX XXXX for a balance of {$150.00} and I never received a notice that I was being garnisheed until after the money was taken from my savings account with my credit union when they sent me the notice. I never even knew this debt still existed until I was garnisheed by XXXX XXXX XXXX XXXX XXXX. The notice that they sent to my credit union was supposed to be received by me within 7 days of filing and I did n't receive the notice until today which is XXXX XXXX, 2016. I never received any communication about this debt until I was garnisheed i.e. the only communication I received was from my credit union after I was garnisheed.

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 08/17/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company Nationstar is forcing me to pay 50 % higher monthly mortgage payments, even though I signed up for a FIXED 15 year loan. 
In XXXX this year, Nationstar has been demanding, that I pay my monthly mortgages into an " escrow account '' instead the usual " mortgage account ''. just because I was late paying my PROPERTY taxes last year, NOT my mortgages, which I paid always on time since the start of my loan 9 years ago. 
Their Escrow accounts are for future property debts. 
Since I have been paying my property taxes myself since the start of the loan 9 years ago, and was only late paying the property taxes once during that loan period, ( but am up-to-date ). why should I let Nationstar pay my property taxes from now on?, Obviously Nationstar does it, so that can demand huge upfront monies for future property taxes and higher monthly mortgage payments. 
In my case they are demanding XXXX -- for future property taxes and an increase of 50 % in my monthly mortgage payments, even though I 'm up-to-date with my property taxes and mortgage payments. 
I refused to be pushed into their escrow account and kept paying the same monthly mortgage payments. 
Nationstar retaliated by informing all credit rating agencies, that I had NOT paid my monthly mortgages for 5 months, which is an outright LIE. 
I paid the mortgages, but refused to pay their higher added-on monthly escrow fees and 50 % higher monthly mortgage premiums. 
Because of the blatant lie to the credit agencies by Nationstar, my previous excellent credit rating has dropped down to XXXX. 
Nationstar can not tell the credit agencies, that I did not pay my mortgages - that is an outright false statement. 
They can only state, that I refused to pay their added monthly exorbitant escrow fees, which is in dispute between us. 
.And because I supposedly have not paid my mortgages for the last 5 months ( which is a lie as I just mentioned ), they had the gall to start foreclosing on me too! 
Ruining my credit and now foreclosing? 
This should not be tolerated, I need help from your agency. 
My telephone calls got the go-around, my written communications got no response. 
Please read " XXXX '', enter Nationstar, and you 'll see, there are innumerable complaints against this company.. 
Nationstar is a predatory Mortgage company in my opinion, they seem to prey especially on elderly people like me, hoping they wo n't fight back. 
They make it impossible for mortgage holders like me, to protest or get into touch with a manager to resolve any dispute. 
It seems to be designed that way, please read other complains on " XXXX ''.

Company response to consumer: Closed with explanation