milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-03-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (MA).
Issue: Loan servicing, payments, escrow account

Complaint: My loan started with XXXX then sold off to XXXX and now is with Nationstar Mortgage. Since XX/XX/XXXX I have been with Nationstar and they have now TWICE, took out double payments for the months payment. Example in XX/XX/XXXX they took out XXXX then three days later {$720.00}. Now we are in XX/XX/XXXX, they took out {$720.00} XXXX XXXX and another XXXX on XXXX XXXX. Also, they have been trying to charge me a {$25.00} fee due to insufficient funds in my account when they took the second payment out in XX/XX/XXXX as an unauthorized ACH. Do not bank with them, with will be nothing but nightmares, I have made 4 calls to them and nothing was done. Finally tonight NationStar conferences called my bank to reverse the unauthorized payment for XX/XX/XXXX and I have to file paper work now. 
-pure nightmare

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 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: Information belongs to someone else

Complaint: I was a victim of identity theft, which I discovered in   XX/XX/XXXX . I immediately went to my local police department to file an official report. I contacted a ll the creditors and credit bureaus as I was instructed to do so by the  Federal Trade Commission- Identity Theft Dept. I have sent in all requested infor mation to  XXXX , including but not limited to a police report and completed ID Theft Affidavit, which they provided to me. Since returning the ID Theft Affidavit to  XXXX  I have yet to hear any information regarding the investigation of my accounts. They continue to harass me for payments and continue to pressure me to pay on fraudulent loans because they refuse to do an investigation. The only correspondence I have received from  XXXX  regarding my investigation is a generic template form that states the investigation is complete and they have verified all information. I have called  XXXX  and sent multiple letters and faxes requesting a detailed description of their method of investigation with no response. I have asked for copies of all the master promissory notes multiple times and have been completely ignored. They only respond to me to collect payment. I have had to pay on the fraudulent loans because they continue to report to the credit bureaus, which is deterimental to me credit score. This has been going on since   XX/XX/XXXX   and they have completely disregard my rights as a Californ ia Vitim of Identity  Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The company offered a settlement amount which I have satisfied and yet they tell me I need to pay the balance due since I did not get the last payment to them by the exact desired date that they desired. I have received numerous offers for settlements with different amounts and I chose XXXX and paid it. The Original bill was {$440.00} and they offered a settlement of {$220.00}. ( Note that it says " and owe nothing '' after you pay the amount offered ). I have attached the copy of the offer that I accepted and an additional offer that they sent as well just to show you the different options that came in. I have copies of my bank statements that show the payments I made but they sent me a list of my payments which are correct.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been denied a modification with OCWEN XXXX times. There are numerous servicing errors and documentation regarding ownership of the loan has been misrepresented which has contributed to my denial of a modification. I also had an attorney send a Cease and Desist Letter to XXXX XXXX, repping XXXX, in reference to illegal foreclosure actions taken in violation of MGL 244 s. 35A ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I dispute with Transunion and ask for specific information to help me settle my situations with creditors and they send me information that is computer generated. I need for them to check the information not get computer generated information, so I will be able to follow up on the dispute with the physical information they obtain. So I am attaching a letter to this complaint for Transunion, which is a request to investigate and provide me everything I need listed in the letter to help me settle my dispute.

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 03-05-2018 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (TX).
Issue: Trouble during payment process

Complaint: called in XX/XX/XXXX and scheduled two payments with my mortgage company. I was told I was given a forbearance until XX/XX/XXXX over the phone but when I called in they told me that was incorrect. I realized I made the payment with an incorrect loan number. I was misadvised XX/XX/XXXX and told I couldn't delete payments over the phone and could only do it by emailing their customer service. I set up two payments which would have satisfied XX/XX/XXXX and XX/XX/XXXX set up payments for XX/XX/XXXX. I called in today XX/XX/XXXX and was told my payment was never taken for the XXXX I set up on XX/XX/XXXX but only was told yes payments are there when asking for a manger. I know because I was miseducated about the forbearance and the payment process it was to only further put me delinquent so I could be pushed into foreclosure. I was miseducated and intimidated to only take my phone

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 07/28/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (LA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Midland Funding LLC has been using illegal collection tactics. They negatively re-aging XXXX of my very old accounts, causing them to falsely appear more recent in my credit reports and to stay on my reports longer than allowed by the Fair Credit Reporting Act. They are incorrectly reporting the dates of first major delinquencies as XXXX, XXXX, and XXXX which are ALL AFTER they took over the accounts from the original creditor. The true first major delinquencies were XX/XX/2007. Thus, this collection agency is unlawfully negatively re-aging the accounts. I have not made any payments nor engaged in any activity with this collection agency nor the original account creditor since XXXX. The dates this collection agency have reported are therefore completely and illegally fabricated. I request that per FCRA requirements, these XXXX accounts be removed from my credit reports due to the original accounts being over 7.5 years old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with JPMORGAN CHASE & CO. (OH).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: I believe Chase received my credit report with out my consent on the following dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not aware of authorization of these credit request by CHASE and have found this will reviewing my report to buy a home

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: I want to a chase branch to open a bank account for myself the lady started to open the account she ask me did I ever had a account with chase before I said no. She told me there was a account in my name in that account was abuse that someone deposit bad check in my name I told her no I do n't do that so she told me I can never open a bank with chase again so I would like this to be investigated I was a victim of identity theft before so I want to my local police department to file a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company, Ocwen ( insurance dept XXXX ) is requiring a new coverage - condominium unit owner- for my townhome. This coverage, based on Ocwen 's rep is for interior walls of my townhome. I had faxed and uploaded the policy document since last year which included " interior walls-excluding improvements '' coverage. However, now I am being told I need to have " interior walls- with improvements ''. When I inquire where the " with improvements '' requirement is based on, I am told it 's based on Ocwen policy. My current mortgage has been in place for about 10 years and Ocwen is about XXXX company the account has been sold/transfer to. I never signed anything directly with Ocwen nor chose this company. For months I had been stressing, calling Ocwen multiple times, faxing and uploading documents without resolution. Everytime I call I get different response from Ocwen reps varying from the coverage expired, it was never included on the policy. And when I confirmed with the insurance company the interior walls are included on the policy, Ocwen changed their position that it needs to include walls with improvements. I have never done improvements nor plan to do any on my home. Ocwen is threatening to purchase a very costly policy of {$1700.00} for the technicality of adding " interior walls with improvements '' vs. " interior walls excluding improvements ''.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: There is wrong information in Experian Report XXXX Account # XXXX Wrong balance XXXX Account # XXXX Wrong balance Please update my credit report as soon as possible.

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 09/21/2016 about Mortgage (Conventional fixed mortgage) with GUARANTEED RATE INC. (IN).
Issue: Loan servicing, payments, escrow account

Complaint: In short.. our mortgage carrier failed to pay a bill from our escrow account that was submitted to them via email, which can be proven. Subsequently they force placed insurance that was almost 4x normal rates, despite having coverage through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They have only refunded a portion of the money and will not resolve the issue. We have been trying to get it fixed since XXXX. I have tracked our correspondence and we have at least XXXX phone calls and XXXX emails trying to fix the issue and they will not provide an answer/solution. They keep stalling and are going to raise our mortgage to " catch up '' on escrow despite the fact that they owe us a refund. They have since failed to pay the bill again to our insurance and our policy was cancelled, even thought they have all necessary information to pay the bill and the money is in escrow. My insurance provider has also saved records of correspondence and they just can not be trusted with this escrow account nor to pay the bills on time. Cancelled policies cost me more money out of pocket to reinstate them to the amount of XXXX XXXX I can provide copies of phone records and emails upon request. There are several and attaching so many may cause an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Debt collection (Credit card) with Continental Finance Company, LLC (OR).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: Continential finance Debt collector, is threating to garnish wages, take me to court, they have been calling my phone resticted. 
I have not been served, and have not received any settlement bill from them

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 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Problem with fraud alerts or security freezes

Complaint: I have issue with the Virginia law ( and other state laws ) that allows credit reporting companies like Transunion, XXXX, and XXXX to charge a fee in order to place a freeze on an individual 's credit report. 

Since these companies can not guarantee protection of the personal data of XXXX  citizens, we should not have any barriers for the protection of personal identity and financial standing. 

I did not have to pay a freeze with XXXX because my personal information was most likely compromised from the recent breach. 

I had to pay a {$10.00} fee to Transunion, which I have issue with. 

I have been unable to place a credit freeze with XXXX due to technical issues on their website, but they also charge a {$10.00} fee, which I have issue with.

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 12/26/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint: I 've contacted Navient and have spoken with XXXX XXXX XXXX with their Office of the Customer Advocate on numerous occasions about the inaccurate reportings on their behalf to all XXXX bureaus and he refuse to comply with FCRA guidelines in regards to the deletion or correction of such inaccurate reportings. XXXX XXXX, who is representing Navient has communicated through written correspondence facts that support that they are reporting inaccurate information, as well as, reporting conflicting information to each bureau as well. They have exceeded the duration of time given through the FCRA and I am requesting your assistance in holding them in compliance of such federal regulations. Also please note that a formal dispute was sent to them by certified mail and neither Credit Bureaus conducted a proper investigation if so the information would have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Mortgage (FHA mortgage) with AmeriHome Mortgage Company, LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced my house on the last day of XXXX 2015. The loan with Amerihome Mortgage was paid in full, yet on XXXX XXXX, 2015 this company took {$870.00} out of my checking account via an automatic withdrawal that was supposed to be closed. They now refuse to return my funds. They have even ignored a complaint XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have recently obtained a copy of my credit file and there are still many mistakes in my report. In fact, I have asked for the Verifiable Proofs for the below accounts : XXXX XXXX XXXX XXXX XXXX - XXXX : Unverified information XXXX Account # XXXX : Unverified account

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 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I purchased a vehicle on XXXX XXXX,2017 and have several hard inquiries on my credit report. The only company that was authorized to access my credit was XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with Prosper Marketplace, Inc. (NC).
Issue: Problem with the payoff process at the end of the loan

Complaint: We were paying off the loan I looked at the web site I think it was  XXXX - XXXX -17 to get the pay off which is an option on the payment screen. I mailed a check the next morning for that amount of {$14000.00}. I also sent an email to Prosper to let them know this was the pay off amount of that day, and on the check I wrote payoff amount on this date. They received the check on  XXXX / XXXX /17 but still charge me {$31.00}. I then again sent a email  XXXX / XXXX /17 and spoke with someone at customer service and she told me I need to pay this amount because it still charging interest. I payed this about and they would speak with their manager to get it refunded. On  XXXX / XXXX /17 they sent me this email Prosper Client Services ( Prosper Marketplace Support ) (  XX/XX/XXXX ,  XXXX  PDT Dear  XXXX , Thank you for contacting Prosper.
Mailed in payments can take 7-10 business days to process. in addition, same day payoff quotes are valid only for same day. Therefore, a refund of the {$31.00} in interest will not be issued. As, there is no Prosper error.
If you need any additional information or have any additional needs, please reply to this email.
Thank you, Prosper Client Services ) In all the loan I have ever had when you request a payoff it is good for so many day at that amount without interest still collecting. I know it is not a big amount I guess it is the point they should honor payoff amounts.
Thank you hope you can help me

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Debt collection (Other debt) with Cascade Collections, Inc. (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received notification onXX/XX/XXXX from XXXX XXXX that a new collection had been added to my report. I notified Cascade Collections that they were in violation of FCRA by email and did not receive any response nor did I receive any notification of the collection from Cascade. 
They gave impacted my credit report, have not sent me notification nor did they send me verification of the debt. 
The same complaint is against the original company XXXX who refused to send my text book rental back to me and claim I owe them {$260.00} for a {$20.00} textbook. They refuse to send me receipt or documentation for this debt. XXXX promised to send me back my book- they never sent it and claim there was a time limit on their gesture which is not noted anywhere on the email.

Company response to consumer: Untimely response
Consumer complaint received 10/20/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I am a XXXX person, Ocwen loan servicing transferred this loan portfolio since XXXX XXXX XXXX from GMAC in bankruptcy Court. That court 's findings verified & ruled negotiated XXXX modification contract breached, valid, dozens of undue payments & charges & fees. Based on such Ocwen was required to comply but not doing so forced action which I handled for about two years. In requesting Ocwen to comply, Ocwen required undue payments, a un-requested loan payoff & after court overruled Ocwens demurrers & denied summary adjudications, Ocwen now has denied me monthly statements since XXXX XXXX. Ocwen was submited undue charges, fees, placing loan in past due status, sent unrequested loan payoff. now in choosing to litigate issues ruled breached by both bankruptcy & superior court asserts errors in XXXX modification. This caused XXXX of dollars in costs as I rely on Soc. Sec. XXXX I chosed contacting the cfpb & going over Ocwen Consent Order sections pertaining to charges, undue fees, monthly statements & errors on contract drawn by lenders, they still are have not provided monthly statements since XXXX XXXX, where I can see how payments are applied, escrow, insurance, fees etc. the response has been that loan is in litigation that why no statements has been or will be issued. I must emphasized there is still 17 years on my loan. by cfpb mentions these were the same reason why Consent Order was entered against Ocwen, to prevent this from happening again. Ocwen says it 's bank policy not to provide monthly statements if loan is litigated, but I did not see any exceptions on consent Order. How will I verify how payment is being applied with past history of undue charges?. My lop-top computer is not working so I can not go on line. Ocwen 's still do not want to issue statements. in addition upon placing loan in past due status, I have had to certify monthly payments which adds an additional charge which do not have to be. I understand that borrowers are supposed to correct all issues concerning loan charges, fees, within a quarter period. in addition, lenders can not claim errors on modifications per Consent Order sections. claiming errors, blaming customers for such it is outrageous, & using above excuses in retaliation is even more. once confirmed by cfpb officials complaint had merit I now make this declaration. I have evidence of undue payments fees & charges & un-requested loan payoff, bankruptcy court ruling minutes, ruling & order & superior court rulings of breaches and overruled demurrers available upon agency 's request. I have had several XXXX XXXX including a XXXX caused by these problems.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Equifax is taking longer than 45 day to send me results of disputed wrong personal information affecting my report.

Company response to consumer: Closed with explanation