milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-01-2017 about Mortgage (Reverse mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Closing on a mortgage

Complaint: I applied for a reverse mortgage for my Mom to stay in her condo and was approved XXXX/XXXX/XXXX. She XXXX XXXX XXXX and although we hoped her to have XXXX and get her back she was never able. During this time they guided me to what they needed and what I needed to do. 

Mom XXXX XXXX XXXX, XXXX. I had a XXXX XXXX XXXX XXXX. I called them in XXXX and found out what was needed. XXXX XXXX, Trust, Letter of Intent, Appraisal & monthly checking in.

I contacted them via fax and/or phone conversation with three different staff on XXXX XXXX, XXXX XXXX and XXXX XXXX. I have all the handwritten notes supporting this. I was told a new timeline would begin not based on Mom not returning but on her XXXX which got me to XXXX XXXX. 

XXXX XXXX, XXXX I called for my monthly check in and was told the loan was due XXXX XXXX, XXXX based on Mom not returning. 

I asked for a supervisor and went over all the times and the staff who shared information on the new extension date. Her response was that the staff were either no longer with the company or were in training at the time. She would not work with me at all on their mistake. Mom 's condo was listed in the morning on XXXX XXXX, XXXX. 

The supervisor told me unless I paid the loan by XXXX XXXX they would no longer manage the loan and it would go to a foreclosure lawyer to accept the process to begin a foreclosure. The condo sold and we closed XXXX XXXX and I ended up paying {$3300.00} to the lawyer and another {$880.00} for I do n't know what as it also was in the amount collected at closing on the XXXX statement under the line of Mortgage Payoff Good Through XXXX/XXXX/XXXX to Ocwen Loan Servicing.

This is not right. For the servicing company to advise me of an extension that was not honored and I am out {$3300.00} to the lawyer and another {$880.00}. 

Respectfully asking for that money to be returned to me. 

Thank you I have all the notes to include dates, names, phone numbers and conversations I had regarding this.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (AR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Credit card ws stolen and used by someone else back in 2003.Six months ago a credit card company begin trying to collect the debt. I am on a fixed social security and small XXXX pension. I am afraid this company is trying to destroy my small income. They are causing me a lot of stress. My daughter has been helping me to respond to them.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (DC).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I am actually a parent rather than the student. We co-signed student loans not fully understanding that much of student lending has been privatized and not subject to any relief programs such as forgiveness after 10 years of working in public service, etc. What happened to XXXX XXXX? 

Our student son is paying the public loans on a schedule based on his income and we are paying private ones since he makes very little money. It is really ridiculous for a college degree to cost so much money. His degree is in XXXX and XXXX, so he will likely be working for a modest salary all his life. Making the world a better place, but not pulling down the big bucks. 

Is there any relief for private loans? We are being impoverished since our student ca n't make all the payments, and we will be unable to retire. We can only make the payments, we ca n't pay off the principle, so we 'll be paying forever. Plus Navient is calling us relentlessly. The calls start BEFORE the bills arrive and persist until they receive the payments, even though we pay every month. We get a few days of peace and then it starts again, Navient also calls our son and threatens him with dire consequences like legal prosecution. We no longer answer our own home phone, we just return calls to our friends who leave a message. Navient has our son 's cell number, so they harass him at work, at home, wherever. And this is what they do to a family that is paying each month. Imagine how much it would crank up if we skipped a month? 

I am between jobs, my new job starts in a few weeks, but money is really tight now. We need relief.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Debt collection (Mortgage) with M&T BANK CORPORATION (AK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My uncle had a little house is XXXX XXXX. The lenders kept sucking him into cash out refinance and continued to attempt to do it even after being told he had XXXX. I am a real estate broker and quickly ran comps. He was upside down during the time they were still trying to cash out refinance. The house was worth about XXXX and he owed XXXX. I cleaned up the house so he could go home to live his final days and I cleaned it out more upon his death. I live in XXXX and this involved several trips and time away from my business to do so. The bank then tried to get a default judgment on me even though I was never living in the home, never a signer on his bank account, and never on his mortgage and I lived over XXXX miles away! I had to spend thousands of dollars defending myself from this legal action. My husband and I were in the process of building a home a home here, and this would have messed up our financing! Despite a court order dismissing me from the case, the bank continues to try and collect from me. My uncle passed on XX/XX/XXXX and I 'm filing this complaint on XX/XX/XXXX. M & T Bank is a predatory lender on elderly veterans, and XXXX XXXX XXXX is unscrupulous company that is violating the debt collection laws. Also, note that I left the house cleaner than any repo I 've handled in my 17 years in the real estate industry. 

Please note : I put my personal information on this form. My uncle was the retired veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Bank account or service (Savings account) with HSBC NORTH AMERICA HOLDINGS INC. (NC).
Issue: Account opening, closing, or management

Complaint: Joint account with HSBC. The primary holder passed away, and this Bank found numerous ways to prevent the other holder from getting her money, including canceling a Bank to Bank transfer because the name was not exactly the same. The next week they mailed a check but somehow sent it to a wrong made up address and name. This is now 1 month after the other person passed away and the second person still does not have her money and she is a senior citizen. All paperwork was mailed out or faxed to them with current names, addresses, numbers, id, and poa. This bank is very suspicious and shady in its financial dealings.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Credit card () with PENTAGON FEDERAL CREDIT UNION (SC).
Issue: Billing disputes

Complaint: Received invitation from my bank XXXX XXXX to sign up for airport XXXX XXXX as a XXXX XXXX cardholder benefit. The letter I received stated that I and a guest would enjoy XXXX complimentary visits before being charged. My wife and I used the XXXX visits on a trip to XXXX XXXX in XXXX 2016 but XXXX charged me {$54.00} for the second visit. Despite several attempts to get XXXX to refund the charge, they refuse, claiming that I was only entitled to XXXX " passes '' There is no mention of a " pass '' or " passes '' in the letter -- only XXXX complimentary visits for both me and a guest. The outbound flight was XXXX visit and the returning flight was the second. I believe that the language is clear but If there is any ambiguity, it should be interpreted against the drafter, in this case XXXX XXXX. This was misrepresentation and I want the charge removed from my credit card 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 monetary relief
Consumer complaint received 01/18/2017 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (FL).
Issue: Using a debit or ATM card

Complaint: A Wells Fargo account was opened in my name ( XXXX ) about 6 or 7 years ago ; I complained by phone and mail to Wells-Fargo 5-6 times recently to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Frankly an opinion formed by direct response from a lender- " Experian '' provided my FICA score. THEY- Experian outright lied to me if what I was advised is correct. Experian gave me a XXXX score. THEY said they do not set the score when bank stated they did. Very upset 6 months and still incorrect but a day after a negative it was immediately on the report. Opinion a scam to artificially keep score low to inflate interest charges for consumers.

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 02-02-2017 about Debt collection (Medical) with AVANTE (PR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/2012 I was on vacation at XXXX. At the Hotel, I had an allergic reaction which I had to go to XXXX. at XXXX FL. I have a XXXX so I paid all deductables in full with no pending charges. I noticed on my Credit Report that I have XXXX Accounts in Collection and a Collection Agency named Avante apparently is trying to collect a {$180.00} which they claimed that I owed. Appreciate your help on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with NAVY FEDERAL CREDIT UNION (MD).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: Several times I reached out to Navy Federal Credit Union concerning my outstanding account balances. I had multiple conversation with several Customer Representatives about my account status and problems receiving my statements in the mail. Not receiving my statements became a big problem because it cause my accounts to fall in a seriously negative status over and over ag  ain. Navy Federal representative stated that they upgraded their software last year. After the upgrades they had several customers that did not receive their statements. I also had reached out to the credit department and their solutions team and they also reviewed my accounts and apologize over and over again and repeatedly stated that they would my derogatory credit history.
I had several 2 hour phone conversation being on hold several times, bein  g transferred back in forth. At this time I do n't see any changes made to my accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (UT).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Fed Loans is reporting late payments in XX/XX/XXXX & XX/XX/XXXXthat are not accurate. I am constantly fighting with them and calling them with issues. I have not been late, they have been on an Income Based re- payment plan, for 5 yrs! I have to re-apply every year to get them my info and I do it, IN ADVANCE every year. This year they only lost my paperwork 3 times. I do everything I am  supposed to, when I am supposed to yet they get to do whatever they want and cause me late payments which are erroneous.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Mortgage (FHA mortgage) with SERVICE 1ST MORTGAGE, INC. (PA).
Issue: Application, originator, mortgage broker

Complaint: I am deeply troubled by what has happened to my payment history as well as good credit rating after using an inadequate mortgage company to refinance my home loan. The following is a digest of what happened while going through their process. 
Mortgage CompanyXXXX XXXXSenior Loan OfficerXXXX XXXX 
Toll Free : XXXXDirect : 240-305-7886XXXX : XXXX # XXXXHistory : XXXX XXXX - Initiated original loan applicationXX/XX/XXXX XXXX - Loan is approved but we need XXXX mortgage company approvalXX/XX/XXXX XXXX - We still do n't have your approval. Please pay your XXXX payment and we will close in two weeks. 
XXXX XXXX - Since you made your mortgage payment. The amount of the loan changed and now we have to get approvals againXX/XX/XXXX XXXX - I asked XXXX about now being late for XXXX payment waiting for them to close the loan. I was instructed to NOT pay the payment we would close any day nowXX/XX/XXXX XXXX - Still no approval from XXXX or their underwriter. Again, I was told to hold off of the payment or it would delay the loan approvalMay XXXX - I was told that I was good to go and that they would set up the closing asap. 
XXXX XXXX - Apologies from XXXX XXXX but they now have to start over due to a credit change to my report. The credit change was the notation of a late payment for my XXXX mortgage. That was caused by them. 
XXXX XXXX - I was informed that the credit change has now disqualified me from my ability to be approved. The apologized and told me that there is nothing they can do. 

Summary of the Situation : The process of a simple refinance took over 4 months and due to the negligence of the loan officer, XXXX XXXX, my mortgage payment was late for the XXXX time ever. Even worse they then declined me for something that they caused. It was the most frustrating experience I have ever gone through. I also have never had a late payment of my credit report and now because of this I get unfairly penalized. 
Upon getting the notification of now being declined, I immediately paid my XXXX payment and also the XXXX payment as well as re-setup the auto payments for my account. Please feel free to look at my credit report and mortgage account to verify this. I also have saved every email from XXXX XXXX to verify their mistakes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/17/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IN).
Issue: Arbitration

Complaint: I HAVE  XXXX  CAPITALONE CREDIT CARDS AND ARE REPORTING ON ALL CREDIT BUREAUS, EXCEPT  XXXX , PLEASE NOTIFY  XXXX  REP AND LETTER OF EXPLAINATION, PLEASE FORWARD ME WHY THEY ARE CHARGING YOU CREDIT FURNISHER FEES.AND SUPPRESSING MY CREDIT REPORTS. SEE ATTACHED ACCOUNT  XXXX  ACCT  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NAVY FEDERAL CREDIT UNION (GA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I was shocked when I reviewed my credit report and found late payments on the dates below : NAVY FEDERAL CR UNION XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX and alsoXX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Credit reporting () with Alliance Data Card Services (NC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I did not authorized the company to check my credit Comenity Capital/HsnXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-07-2017 about Mortgage (VA mortgage) with loanDepot.com, LLC (VA).
Issue: Struggling to pay mortgage

Complaint: In XX/XX/XXXX I was unable to work due illness which occurred while on XXXX XXXX. I was unable to work and I used my savings to make my mortgage payments. My savings was all used up by XX/XX/XXXX. 

I secured XXXX XXXX XXXX XXXX to handle a bankruptcy on my behalf XX/XX/XXXX. I contacted Loan Depot several times between XX/XX/XXXX and XX/XX/XXXX informing them Im in backruptcy. I was transferred several times from one department to another. Each stating the process was handled by another department. Each call went this way. One customer service rep told me notes were being annotated concerning my backruptcy action in the notes connect with my account. In the notes I gave them the name and number of of XXXX XXXX XXXX XXXX as my counsel. The rep stated the sale action would be stopped immediately. The sale did not stop and my home was sold. My home should not have been sold.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: The mortgage holder, JP Morgan Chase Bank, on my condominium requested that I provide evidence of flood insurance on my unit. I have provided flood policy numbers, insurance company names, coverage period and insurance coverage amounts to JP Morgan Chase Insurance Processing Center through on-line entry, telephone calls and letters with this information. Yet, I continue to get letters indicating I do not have adequate flood insurance along with an offer from JP Morgan Chase to purchase flood insurance for my unit. The coverage amount offered by JP Morgan Chase is exactly the same amount of coverage that currently is in force on my unit through existing flood insurance policies.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OR).
Issue: Closing/Cancelling account

Complaint: I have been forced to pay an annual fee of {$59.00} to Capital One for a credit card that I can not use due to its " restricted '' status, for two years in a row. Capital One refuses to close my account because they say they can not verify my identity, even though I sent them, via email, all the official ID docs they asked for ( social security card, proof of address, drivers license ). They said they think I " altered '' my own ID documents. Therefore, I 'm trapped in this cycle of trying to cancel my account, they refuse, they charge an annual fee for a product I ca n't even use.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/17/2017 about Debt collection (Other debt) with EOS Holdings, Inc. (KY).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: XXXX XXXX - Representative asked for my by my former name. I asked " Are you a debt collector '' she kept telling me she could n't say until I verified the account which is in violation of FDCPA 807 False or misleading representations - ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. The debt in question is currently in dispute with the company who sent it over to this collection agency and I 've advised them of this before.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
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: This Credit Bureau is reporting several collection against my social security number. I requested full debt validation three times and This company have fail to provide any proof that debt was validated and verified. 
The following account have not been validated 1.XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX 2. XXXX  charge off

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 10/25/2017 about Vehicle loan or lease (Loan) with LOBEL FINANCIAL CORPORATION (TX).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: Originally, I was 2 months behind with my car payments. I called the lender to make arrangements to pay 1 month 's payment on XXXX XXXX and then the next month that I was behind on XXXX XXXX. The lender agreed, said no problem. I made the payment on XXXX XXXX of {$450.00} which was 1 payment. As of XXXX XXXX, the lender filed repossession and my car was removed on XXXX XXXX, even after telling me I was not in danger of repossession as long as I made the 2nd payment on XXXX XXXX. When I called to discuss the previous arrangement to pay the remaining payment on XXXX XXXX, they did not respond to that question and instead asked me if I wanted to begin the process to get my car back. In response to that, I asked how much I would need to pay to get the car back. They advised they would not tell me until I began the process to get it back ( I did n't know if I could get it back so I needed to know the cost first ). Next I asked how to get my personal belongings out of the vehicle and was then advised that I would need to pay to get the vehicle back. The lady was very unprofessional and was cursing at me over the phone. At this point, I feel as though I do not want the vehicle back because they will come repossess at any time even if I do make arrangements. I do still need my personal property from the vehicle ( XXXX XXXX in overhead compartment ) and would like to see a copy of my loan history notes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Solomon and Solomon, P.C. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid the company it was settled in full. Now Solomon and Solomon keeps reporting on my credit report, the bill is originally for XXXX, which is also reporting, They are both reporting for the same bill. Solomon and Solomon is reporting a different amount to make it look like i owe XXXX different debts. Since the account is paid for them already they said it would be deleted when i asked for writing documentation now that it is paid they said they wo n't do anything about it. They are not the original creditor so i do n't know why they wo n't remove the file when it is showing up two times.

Company response to consumer: Closed with non-monetary relief