milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/16/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (UT).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX : XXXX Ocwen Loan Servicing , LLC . Regarding loan : XXXX - XXXX, UT XXXX I am a XXXX in XXXX specializing in Short Sales. I have been doing this since XXXX. Never have I seen anything like this. I have had a good offer on this property since XXXX. Ocwen has drug their feet, changed numbers in their system, repeatedly putting me off for months at a time, only to turn around and tell me they now need updated financials from the borrower which is only due to Ocwen holding onto this property. I call Ocwen every few days - all my conversations are documented. Ocwen repeatedly told me that XXXX was the investor on this loan and that XXXX is the holdup. However, I have contacted XXXX and they confirmed that they ARE NOT the investors on this file. Also, Ocwen sent me a letter stating XXXX was the Trustee - XXXX told me that Ocwen has the sole power to make all decisions on this short sale. So, my complaint is that Ocwen has been giving me the run around for almost XXXX years - They have an offer for more than their current value yet they continue making me jump through hoops and stalling on officially responding to this short sale. I do not know what benefits they get for keeping this property on their books. But I have never seen such poor business practices. I have other loans I 'm working with Ocwen and the last one only took XXXX weeks to get an approval letter and the offer was lower than their current value. So, it would appear that Ocwen is intentionally keeping this negative file on their books for their own gain. This property is physically falling down the mountain and now with the heavy snow melting the damage is only getting worse. The home is breaking in half - the roof leaks badly so there 's mold issues ... and they have a full price offer. There 's something wrong or shady going on with this file and Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have submitted complaints with XXXX, Fed loan services and The Department of Education to have the DOFD correctly reported on my credit report for the past 2 years the accounts in question have been re-aged and should be removed. I have attached documentation from The Department of Education as XXXX has my accounts from The Department of Education as a collection account reported in XX/XX/XXXX on a reported dated XX/XX/XXXX& changed to a collection on XX/XX/XXXXon my report dated XX/XX/XXXX which is wrong and those accounts should be removed. Which is a violation of FCRA, US. Code Title 15 Sub Chapter III, US Bankruptcy Code Title 11.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (MI).
Issue: Trouble during payment process

Complaint: In XX/XX/XXXXwe refinanced our home with XXXX XXXX XXXX, making bi-weekly payments throughout the years until XX/XX/XXXX. In XX/XX/XXXX we were advised our mortgage was being transferred to Select Portfolio Servicing ( SPS ) with no interruptions or changes to our current agreement with XXXX. However, in XX/XX/XXXX we contacted Select Portfolio Servicing ( SPS ) after noticing a payment had not been deducted from our bank. We were told at that point by SPS no payment was due until XX/XX/XXXX because we had overpaid XXXX. We requested to continue paying our monthly note and the " over payment '' be applied to the principal balance amount. We were told that was n't possible and the amount due in XX/XX/XXXX would be the daily compounded interest plus the monthly amount due, which will be in excess of over {$2000.00}. We have however continued to pay our monthly note only to have the principal balance increasing monthly. We have contacted several agencies to help with this situation only to be told unless we are at risk for foreclosure or behind in our payments we do n't qualify for any assistance in resolving this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: All XXXXcredit reporting agencies have me listed as deceased. I am not!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (TN).
Issue: Managing the loan or lease

Complaint: Wells Fargo Auto recovery has re-aged an account on my credit report, provided inaccurate information, and not provided proper methods for me to contact and dispute the accuracy. According the the FCRA and FDCPA reporting should be accurate and reported within the statue of limitations. I have provided a letter details the issues, copies of XXXX credit reports with incorrect information as well as a full payment history provided by one of the representatives of Wells Fargo.

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 09/16/2015 about Mortgage (FHA mortgage) with PHH Mortgage Services Corporation (NM).
Issue: Loan modification,collection,foreclosure

Complaint: When we encountered financial difficulties that we determined would make it impossible to continue paying our mortgage, we completed a XXXX application to request a loan modification from our lender. It was denied. Several months later we asked for approval for a short sale. Over the next 18 months we received XXXX offers, none of which was approved or rejected by the lender. Instead, the lender : & gt ; & gt ; Took at least a month to reply to each of our requests. 
& gt ; & gt ; Asked for the same information repeatedly, ostensibly because the information they had received was illegible or a month old ( therefore out-of-date ). 
. & gt ; & gt ; Did not return phone calls. 
& gt ; & gt ; Insisted that all communications must go through one person XXXX " single point of contact '' ), who was rarely available. 
& gt ; & gt ; Insisted that all updated materials go through the website, NOT to the " single point of contact. " & gt ; & gt ; Sent us loan modification offers, none of which was feasible, and none of which were requested. 
& gt ; & gt ; Closed the file in the midst of processing XXXX sales offer, necessitating that the process begin again from scratch. 

Ultimately our " single point of contact '' urged us to consider a deed-in-lieu of foreclosure. Once we agreed to consider that option, suddenly the process took off, being approved by the lender within the next six weeks. 

We do not feel that we have been well served by the lender, and instead that they never intended to help us with a short sale. We were strung along until we were in the position where we had to accept the DIL option. This will cause tax liability problems that we were trying to avoid.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Checking or savings account (Other banking product or service) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: On Saturday  XXXX / XXXX / 17  at  XXXX   XXXX , I went to this bank to access my safety deposit box. I arrived there well before closing hour (  XXXX  ). I was told I could not have access to my safety deposit box because the timer was on and the door would not open. I work during the week, so the weekend is the only time I can access my safety deposit box. I am urgently in need of paperwork that I have stored in that box and my bank will not allow me access to my belongings. The bank never made clear to me in a policy that they have the right to seize and withhold my belongings from me.     My bank info and location :  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX , NY  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I completed a REPAYE Loan Payment Application in XXXX 2015. The new administrative rules from the Department of Education caused a delay in processing the loan application. Specifically, I was required to opt out of the IBR program ( 2 months processing time ), then make a payment under 10 year payment program or request a reduced forbearance payment to qualify for the REPAYE program ( 2 months processing time ), before the REPAYE program can be processed. This issue is causing me to loose 2 - 3 months qualifying payments under the Public Service Student Loan Repayment Program.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: 1 ) i notified Experian that on XX/XX/2016 i sent XXXX XXXX XXXX a certify letter disputing my account it was delivered an as indicated in the ( FDCPA 807 ( A ) ) the creditor has 30 days to put a remark that i have disputed the account which they have not done and its still being reported by experian has not removed the report i sent 2 more letter to XXXX XXXX XXXX to the same add as the first letter but this time they not accept them. This is affecting my current process for a job with customs. and i also requested that experian remove some hard inquiry that i have not authorized and they said they can not removed them i hope you can assist m with this situation. i will include copies of the certified receipts and returned letters.

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 05-03-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am having issues with my loan servicer " Navient '' according to the federal student loan site I should be able to do the following. 
" Can I pay more than my required monthly payment? 
You can make payments before they are due or pay more than the amount due each month. Paying a little extra each month can reduce the interest you pay and reduce your total cost of your loan over time. If you want to ensure that your loan is paid off faster, tell your loan servicer that the extra you pay is not intended to be put toward future payments. 
However, Navient will not allow me to apply additional moneys paid each month to principle. For example my XXXX statement has a monthly payment of XXXX due XXXX/XXXX/16 which XXXX should be interest the balance XXXX principle. I made a payment on XXXX/XXXX/16 20 days early. My account was credited as follows XXXX interest XXXX principle i have contacted and tried to work with this servicer to be able to pay additional principle. In addition to this issue they recently lowered my payment from XXXX to XXXX this only severs to make the loan longer there by earning more interest.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Debt collection (Other debt) with First Service Residential, Nevada, LLC (NV).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: On XX/XX/, XXXX XXXX XXXX XXXX working as an agent for the XXXX at XXXX XXXX XXXX XXXX XXXX sold our home without giving us a new sales date after our Chapter XXXX end on XX/XX/. They sold our home the next day at XXXX XXXX  on XX/XX/. According to state law, the sale was subject to a 60 day redemption period. We were never informed of the foreclosure sale and we never received the Certificate of Sale which stipulates the sale is subject to the 60 day redemption period. One of our neighbors in the XXXX at XXXX XXXX XXXX was given a Certificate of Sale and was able to redeem their home. This occurred in XX/XX/XXXX. They were XXXX. 
We believe that blatant racial discrimination is the reason why we did not get the notice of sale nor the certificate of sale. We are XXXX. We are also both XXXX years old and this is also Elder Abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I bought what I thought was my FICO score from Experian in XXXX 2015. I paid {$4.00}. As it turns out I was enrolled in a credit monitoring program without my knowledge. I called and cancelled the program on XXXX XXXX, 2015 at XXXX XXXX EDT speaking with XXXX and her supervisor XXXX. They agreed to refund XXXX months premium of {$19.00} back to me but refused to refund the XXXX months premium. I feel I was slammed with this as I had no idea I was signing up for this service and only thought I was was buying my FICO score. I feel they are using deceptive practices to sell this monitoring program. They then make it as difficult as possible to elevate the problem to a higher level. I request that you investigate Experian 's business practices with regard to this and I would like my full refund of the additional {$19.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/20/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Please be advised the credit reporting agency is reporting XXXX open tax liens on my account in error! Please see below. The credit bureau claims that the court furnished them the information but I called the court and they said they do not give out that information! Please see below! I also visited XXXX ( The GA Delinquent Taxpayer List ) and searched my name and XXXX XXXX which is XXXX and there was NO DATA FOUND! 
Public Record Details Reference Number XXXX Date Filed XXXX XXXX, XXXX Date XXXX XXXX, XXXX Status Released Amount {$800.00} Classification Lien Type Tax Lien Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Public Record Details Reference Number XXXX Date Filed XXXX XXXX, XXXX Date XXXX XXXX, XXXX Status Released Amount {$360.00} Classification Lien Type Tax Lien Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (MA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I had a few private loans with Chase for school, at the University XXXX. It was at a time when I was between the ages of XXXX and XXXX, approximately. I am now XXXX. Not only was I able to obtain these loans without a cosigner, but multiple loans. As a college student with no financial aid or help from family that was a huge deal. I always made payments and was never late. I did however lose my job and get married and leave the country. After being on a series of payments plans, I called the woman who I had been making payments through to let her know of my situation and as if there was a way to put payments on hold or to make smaller payments until I got on my feet. I was being proactive, and responsible. But the woman was cold ( as I would expect, ) and basically gave me XXXX option : to pay off thelarge lump sum or that further legal action would be taken on their end. This Scared me more than anything. What could they do? What would they do to me? I do n't want debt hanging over me, its the worst feeling in the world. Eventually I found out that all the debt was written off and my credit reports took a huge slam. Now I am trying to figure out how to build my credit back up and get those settlements off my reports as well.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2015 about Mortgage (Other mortgage) with Seterus, Inc. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: BELOW IS AN ABSTRACT OF LETTER WRITTEN TO SETERUS, INC on XXXX/XXXX/2015 : My loan, formally with Bank XXXX, is currently being serviced by Seterus XXXX Inc., effective XXXX XXXX, 2015. After the loan was transferred ( around mid-XX/XX/XXXX ), I called in to get my loan balance and the general status of the loan. I was then told that the principal balance was {$360000.00}, however ; according to the " XXXX XXXX '' script, my loan balance was {$370000.00}. That peaked my curiosity because the loan modification documents I have indicate that my new loan balance, as of XX/XX/XXXX 2015, was {$360000.00}. Obviously, the XXXX script was not consistent with my modification documents. After many calls over a one- to two-week period, I was finally told that I had an escrow deficiency to the tune of {$10000.00}. This can not be correct as the " Clarity Commitment '' letter sent with the modification documents indicate that {$9500.00} of taxes and insurance not paid by me was included as part of the new, modified principal loan balance. 
I was approved for an " affordable '' modification in XXXX 2015. I began making the initial payments of {$1300.00} as required by the terms of the trial period. After making XXXX successful payments, I was told by Bank XXXX XXXX that the loan was approved for a final modification. The modification document dated XXXX XXXX, 2015 required a payment of {$1500.00} to be made the XXXX of the month beginning XXXX XXXX, 2015. 
Over the last XXXX months, I have not been able to get Seterus to resolve issues with my account resulting from the escrow portion of my payment being inflated by approximately {$250.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Mortgage (FHA mortgage) with FIFTH THIRD FINANCIAL CORPORATION (MI).
Issue: Loan servicing, payments, escrow account

Complaint: Fifth Third Mortgage Account XXXX have set up automatic payment from my banking to pay my mortgage each month. In 2014, 5/3 raised my mortgage by {$150.00} and I was made aware until it was too late. I made up the proper payments to bring my account to balance and 5/3 continues to erroneously mark all three credit report. My money would leave my bank account on time, but seemingly never arrive at 5/3 Bank where my mortgage payment is due. In XXXX of 2014, I faxed 5/3 Bank with my 2014 YTD payment history to prove my account was current. I contacted 5/3 and confirmed they received that fax and there would be no more concerns. My payments were not on time but the notices did not stop. I have attempted resolve the problem with 5/3 Bank and my banker XXXX and neither was helpful and this issue still is n't resolved! Because I could get no answers, I stopped making payments after the XXXX payment was paid on XXXX/XXXX/14. Soon 5/3 would claim that I owe over {$1100.00} in missed payments and attempt to DEFAULT my mortgage. After contacting 5/3 Bank, the Customer Service Representative who told me that over {$500.00} was never applied to my account, ( with no explanation given ) that I only owed {$640.00} to bring my account to current status. I made that payment ( confirmation XXXX ) by phone at that time. As I type this complaint, I am still receiving notices that my account is overdue by 30 days, meaning nothing has been resolved. Please ask 5/3 Bank to REMOVE ALL BAD CREDIT REPORTS FROM XXXX XXXX, AND XXXX. Also, I ask that all late fees be applied to principal balance of my account ( please do not send a check ). Because of my frequent travel I am around to await a check in the mail, not am I able to forward the fax mentioned in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with GC Services Limited Partnership (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: i received a communication by mail from gc services in XX/XX/2016 dates XX/XX/2016 stating they are a debt collection agency and an account with sprint for celluar services is now in collections and transfered to this debt collection agency to collect on XXXX behalf. i mailed back a request asking them to first verify that i owe gc services this money because i had just recieved my last bill in the maila few days after receiving this communication from gc services stating that my bill was due on XX/XX/2016 .how can i owe this bill to XXXX directly and also to a debt collection agency at the same time .i switched from XXXX to XXXX on XX/XX/2016 so it is odd and i dont think this is normal practice that not even a month later before i can even get my final bill in the mail from XXXX my account is already with a collection agaency gc services, especially when the due date on the bill i received from XXXX was the XX/XX/2016 which has not passed before already receiving communication from a third party debt collection agency i sent letters out to the debt collection agency gc services twice requesting the following : 1 ) a valid copy of the original signed contract with the original creditor ; 2 ) a valid copy of the original statements from the original creditor showing the balance amount of the debt owing ; 3 ) a letter from the original creditor to GC Services Limited Partnership that grants GC Services Limited Partnership the authority to legally collect on the debt ; 4 ) proper and complete written notice concerning the debt ; 5 ) valid proof from the original creditor of my clear consent to disclose my personal and business information to your agency a third party ; and XXXX ) a valid GC Services Limited Partnership collector 's license and the collection agent named XXXX valid collector 's license for the for the state of New york XXXX 
the only thing they have sent me back in return is the bill that i receive in the mail from XXXX and an agreement from XXXX for cellular service. then shortly thereafter my last letter to them on XX/XX/2016 they have not responded to me i was disputing this debt therefore it should have not been reported but they still unfairly reported me to all three credit bureaus as a collection account in XX/XX/2016 .these practices are unfair they blantly ignored my request and spoiled my credit by reporting me to the bureaus. i would like a full investigation as to these practices as i dont feel it was fair and they have broken some rules of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Debt collection (Credit card) with DISCOVER BANK (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: my mother passed away XXXX/XXXX/15 and left no assetts except for this house which i am on the title.. She had a main discover debt of XXXX which i have been attempting to pay.. I am on XXXX and can not afford to make payments anymore.. Discover has been calling XXXX and sometimes as much as 7 times a day..

Company response to consumer: Closed with explanation