milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-02-2018 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Struggling to pay mortgage

Complaint: In XX/XX/XXXX I received an approval for a trial period loan modification. I signed the form and returned the document on XX/XX/XXXX. 

I am filing this complalint because as many home owners this loan servicer is not applying the payments correctly. The payment was due on XX/XX/XXXX. According to the documents the 1 trial period loan payment needed to be received by the last day of the month. 

Well I did my part, paid XXXX XXXX URGENT delivery for the same day for OCWEN to collect the funds. OCWEN LOAN SERVICING BROKE MY AGREEMENT. According to the automated system Ocwen applied my first trial payment on XX/XX/XXXX. 

Ocwen needs to be investigated and shut down. DID I KNOW THIS WOULD HAPPEN AGAIN, XXXX. This information needs to be forwarded to the investor of my mortgage as well to show that OCWEN is XXXX UP!!

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Money transfers (Domestic (US) money transfer) with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Other transaction issues

Complaint: XXXX XXXX XXXX XXXX has failed to provide documentation and proper accounting for payment of their services. We transferred monies to them on XXXX/XXXX/2015 for two months of service. They show on their bill that they canceled this payment, and subsequently charged us for three months of service following their " cancellation ''. In order to prevent interuption of service I paid the entirity of the bill, totaling five months of service for three months. They have failed to return us said monies, for two months of service, and can not account for where this money is. Thusly, they have violated Regulation E of Title 12 of set forth in the CFR.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Application, originator, mortgage broker

Complaint: i received my mortgage statement today noting that my mortgage statement has been changed out of the blue from XXXX to XXXX effective XXXX XXXX. I am current waiting on my recast to reduce my mortgage. I do n't understand why is it so difficult to give me my recast, It is just unbelievable that I have been trying to get this simple reduction since XXXX XXXX. Please explain this monthly increase.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: A hard credit inquiry appeared on my credit report from XXXX XXXX which was not mine. I have never banked with XXXX XXXX, and I have never applied for anything from XXXX XXXX. After further investigation, the credit inquiry appeared under a different name than mine. I then saw on my credit report that the other person 's name ( we share the same first name, but not last ) along with his addresses and phone numbers appeared on my Transunion credit report. I called Transunion, and they were able to remove his name, phone numbers, and addresses off of my credit report. They told me, however, they would be unable to remove the inquiry without a letter of denial from XXXX XXXX. When I called XXXX XXXX, they told me they were unable to provide me with a letter of denial since my name and SSN did not appear in their records ( which makes sense, since I have never applied for anything from them ever before ). After calling Transunion back and talking to a supervisor, they assured me there was nothing they could do about it, and I would just " need to wait the two years '', even though on their own credit report it acknowledges that the inquiry is not in my name and is not mine.

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 06/29/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: PORTFOLIO IS TRYING TO COLLECT WRONG AMOUNT!! because i dont owe them ANYTHING, furthermore this is a LEGAL NOTICE OF FEDERAL LAW VIOLATION AS SHOWN MEMORANDUM IN SUPPORT UNLAWFUL USE OF SOCIAL SECURITY NUMBER!!! FELONY VIOLATION!!! CEASE AND DESIST AT ONCE!!! <P/>Sec. 408. Penalties. <P/>In Title 42, in support of Civil Complaints for the misuse of a persons SSN, we have : Sec. 408. Penalties. ( a ) In general. Whoever - ( 1 ) ... : ( 8 ) discloses, uses, or compels the disclosure of the social security number of any person in violation of the laws of the United States ; shall be guilty of a felony and upon conviction thereof shall be fined under title 18 or imprisoned for not more than five years, or both. 42 USC 408

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Credit reporting () with Experian Information Solutions Inc. (HI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I received a letter from Experian dated XXXX XXXX, 2016 stating that a creditor reported changes made to my name, address or SSN in the last 30 days. Upon receipt of the letter, I attempted to contact Experian multiple times via phone and on-line to identify specifics. I reviewed my credit report from Experian on-line and found XXXX inaccuracy which was a name change ( which I have never used ). I attempted to address this on line but was unable to do this on their site. I am still unsure if this was the reported inaccuracy on my report. In spite of going through multiple agencies ( my bank, FTC, and CFPB ), using all of the listed Experian phone contact numbers, I have been unable to contact a live person with whom to investigate and resolve this problem.

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 10/16/2017 about Student loan (Private student loan) with DISCOVER BANK (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I am in my second semester as a graduate student at XXXX XXXX XXXX. I submitted a letter stating that I am at least a half-time student in order to apply for in-school deferment. This loan was originally taken out with another lender and was sold to Discover a number of years ago. I received a letter stating that my request has been denied due to the " maximum months already used. '' I have reviewed my MPN and do not see any reference to time limits on in-school deferments. I did defer my loans while an XXXX at XXXX, I deferred them two years long while taking XXXX courses at XXXX. Since then I have not taken enough credits to qualify for an in-school deferment. I did qualify in Fall XXXX, I did not in Spring XXXX, and I do again in Fall XXXX. This " maximum months '' is not referenced on any paperwork I signed when applying for the loan nor is it stated on the in-school deferment application. I believe that I do qualify for this deferment as I have only been eligible for it for during the year I borrowed the money ( my third year of college ) my senior yar of college, the two years following and now last fall and this fall - in total that is five years, but I am being cut off at 4.5 ( not even that because the loans went into repayment again this past spring.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Sale of account

Complaint: On  XXXX / XXXX /  XXXX   between  XXXX    XXXX   XXXX   XXXX   XXXX  , I was told by a female   XXXX    sales associate who identified herself as  XXXX  that an item she located and provided to me at the   XXXX   store in  XXXX   XXXX  was on sale for 20 % off the discount price. After waiting in a short line and upon mentioning the 20 % discount to a young   XXXX   woman working at the register, the young  XXXX  woman told me that I would receive an additional 10 % off if I opened up a GAP credit card account and the total discount would be 30 % ( it actually was n't 30 % but rather 28 % since the price was first reduced by 10 % and then subsequently reduced by 20 % ). While I was distinctly told that I would receive an additional 10 % off discount by enrolling for a GAP card and the item was on sale for 20 % off, the receipt states that the item discount is 10 % and the discount for GAP card enrollment is 20 %. Given the verbally quoted discounts by both GAP employees do not match the actual discounts as reflected on the receipt, it appears that I was fraudulently induced to open a credit card I  may not  have otherwise opened had I been told what was correct or accurate ( I typically would not open a credit card for a 10 % or 20 % transaction discount for a small transaction ( i.e., less than {$19.00} ) ). As far as the actual price of the item is concerned, any mix-up or mistake does n't matter as the price would be the same if the item was first reduced by 20 % and then subsequently reduced by 10 %. That said, the verbal misrepresentations that induced me to open a credit card do matter as I most likely would not have opened the credit card account had I been told the truth.

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 11-02-2017 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This debt collection agency, after I have already contacted them, have called my parents for over a week nearly every day besides the weekend. This is illegal and needs to stop. I do not live with my parents, they did not co-sign the debt that is being collected, and they have no reason to be contacted. My XXXX is a CEO of a very large company and they continuously call him getting in the way of his meetings. I have sent a do not contact order by mail and have a lawyer since the laws were pushed by this company and have been a nuisance.

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 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have disputed XXXX XXXX on all 3 of my credit reports. I have tried and called all the bureaus and they keep telling me different things about this account. This account was a judgement, and my wages were garnished for years until collections amount was paid in full. The XXXX XXXX XXXX took all of their remarks off all my credit reports and I think the XXXX XXXX should be required to do the same. In my research of laws in NY State, there is a law call the NY 5 year purge rule. It states that any collections or judgement that have been paid in full from the first D.O.F.D. shall be removed from all credit reports ( D.O.F.D. was XX/XX/2011 ) I have provided all sorts of proof that this judgement has been paid n full and the account should be removed from all of my credit reports. I will include them with this complaint as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/22/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: CREDIT CARDS FRAUD OPENED BY SOMEONE FROM A DIFFERENT ADDRESS AND PHONE NUMBER ACCESSING MY PERSONAL INFORMATION SUCH AS SS # .ETC. 
AND ISSUING A CREDIT CARD WITH OUT MY KNOWLEDGE!

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 06-01-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I 'm having a problem with AES, whom holds my student loans. The problems are the following ; 1. I have not received statements via mail nor email from the company. I 'm currently signed up to receive electronic statements and have not received them in my inbox nor spam. I 'm requesting the following delinquencies removed from the credit bureau report ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. <P/>2. There are 3 loans held by the lender, all with different due dates during the month. Three months ago I requested a due date change to the XXXX of the month for all three loans. The lender has yet tp respond to the request. The request was submitted twice via the online system and once with a representative. Each time they indicate it takes 15 days to process the request. They have intentionally made the due date varying days during the month to confuse me and collect additional late fees on the loan. <P/>For example, the month of XXXX reported an amount due of approx. {$600.00}. XX/XX/XXXX I paid {$200.00} to bring the amount due to Approx {$400.00}. Two days later is had increased the amount due back to {$600.00}. I paid another {$220.00}  on XX/XX/XXXX. XX/XX/XXXX the account was back up to {$600.00} due, I paid {$490.00}, followed by two payments of {$140.00} and {$34.00} on XX/XX/XXXX. In total, I paid {$1100.00}. My monthly payments total {$320.00}. The representative was unable to explain where my money went and why the payments were not reflective of the balance due. I have been unjustly charged late fees and additional payments. <P/>I request an audit of the lending practices with payment due date, payments applied to accounts. It appears my monies paid were not applied to the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent a notice for verification they did not give me the original date of the charge off on this account, nor could they give me a copy of my original signature card and if they were license in the state of CA. I did not get verification with the 30 days and they are refusing to delete this false information off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (NJ).
Issue: Struggling to pay mortgage

Complaint: I contacted Caliber Home Loans for a modification as I was having difficulties paying my mortgage because of a hardship. I received a trial plan which was increased my payment {$230.00} per month. I contacted Caliber Home Loans on three separate occasions with no explanation. My latest call to Caliber was yesterday and the single point of contact informed me that I would have to talk to XXXX XXXX to find out the how Caliber came up with the increased payment. The single point of contact also told me that if I could not afford my home to surrender it. I want Caliber Home Loans to tell me how they came up with the increased amount and perhaps work with me to lower the payments. 

Also, I have not received an explanation from Caliber regarding the Obama Hardest Hit Funds they received back in 2016 upwards of XXXX. I was advised that XXXX went towards the principle and that would lower my payment however that was not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I have held a mortgage with Bank of America , N.A . for the last XXXX years. I received a letter notifying me that they had sold my mortgage to XXXX effective XXXX/XXXX/15. The letter from Bank of America was dated XXXX/XXXX/15 which was not the proper XXXX days notice that they are required to give consumers. I did n't receive the notification letter until XXXX/XXXX/15 which only gave me XXXX days to respond or change any payment information in time as I left for a trip the next day. Today is XXXX/XXXX/15 & I still have not received any information from XXXX even though the transfer of my mortgage is effective XXXX/XXXX/15. I feel as a home owner I should have been notified a lot sooner than I was. I had to rush & get this taken care of at the last minute before I was to leave the country for my trip. In light of all the mortgage/banking issues I take my mortgage payments VERY seriously & I had to call both Bank of America & XXXX to get the proper information I needed to have peace of mind that my payment would be applied correctly as well as my entire mortgage account. It would have been nice to get this information in a timely manner as required. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Debt collection (Credit card) with CL HOLDINGS LLC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The issue is with XXXX credit reporting in regards to Jefferson Capital XXXX while ago I had filed a dispute in regards to the amounts listed in the Charge off. Since that time, my credit has made a comeback, and I was able to receive funding for a new home loan. I was informed by my underwriter that I needed to have the dispute notifications taken off my report to be able to receive funding. I followed their instructions and called the reporting agency SEVERAL times to have the dispute remarks removed, and they started a report on the issue. 30+ days pass, and my underwriter contacts me again in regards to the same dispute remarks being there. So today I called back and spoke to them and they told me to pound dirt as there was nothing I could do as the creditor refused to remove the remark event though I agreed to the amounts and dropping the dispute. I feel that my credit is being held hosting from XXXX and Jefferson Capital as I now might lose my funding ( and GREAT percentage rate ) as the dispute remarks will not be taken off. I appreciate any assistance you can provide

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I paid off the balance but the account still showing in open/collection status

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-04-2017 about Mortgage (FHA mortgage) with BAYVIEW LOAN SERVICING, LLC (OH).
Issue: Struggling to pay mortgage

Complaint: My loan was modified on  XXXX / XXXX /  XXXX  . Also the service of the loan changed hands from one bank the another. I also had a balloon payment added to cover attorney fees and escrow shortages. Some time in  XXXX  they added more onto my note and saying I have to pay this now. I have made my regular payment and will not pay this because I think it is wrong that long after modification was completed completed.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: My account with Wells Fargo was overdrawn for {$100.00} and fees were assessed bringing the balance to XXXX. On on XX/XX/XXXX my account was closed by wells fargo and sent to XXXX XXXX XXXX for collections. I received a letter from the agency attempting to collect {$310.00}. On XX/XX/XXXX I called Wells Fargo to ask them to reduce the balance to the original overdrawn amount of {$100.00} due to my unemployment status ( please see supporting documents ). A Wells fargo representative agreed to reduce my balance only to {$250.00} and I was told they would communicate that with the collection agency. I made payment arrangements with the collection agency to pay {$50.00} bi-weekly begining XX/XX/XXXX. I have paid a total of {$150.00} in total and assessed new fees of XXXX from my new bank account where the agency is taking payment from because it 's also overdrawn due to my employment benefits being exhausted. I am going through a financial burden. It 's not fair that this matters was caused by losing my job. I am trying to do my best to take care of my obligations but I do not have the financial means to do so any further. I have paid a total of {$150.00} and my account was originally oaverdrawn for {$100.00} and raised to {$250.00} due to overdraft fees and later raised to {$310.00} by the collection agency. I have a daughter to take care of and no income. I would like assistance from the CFPB to help me resolve this matter. I tried to speak to the agency and they said they are not authorize to settle. I then called Wells Fargo and spoke to XXXX XXXX taking inbound calls who and explained my issue. She stated they would not be able to call the agency to reduce the balance because she only take inbound calls and that the agency should know what to do, but that she did show there was a settlement pending for {$250.00} on their side but that they never received payment from me. I told her that was because Wells Fargo sent it to XXXX XXXX XXXX and I 'm making my payments to them. She sated I would have to contact the agency and resolve it with them. The issue is that the agency is telling me to speak to Wells Fargo. At this point I feel like I 'm just going around in circles and getting no results. Just causing more burden.

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