milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/20/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan Servicing , LLC sent an Annual Escrow Disclosure Statement to me dated XX/XX/XXXX with an analysis date of XX/XX/XXXX. I received it on XX/XX/XXXX. 

On Page XXXX in the Escrow Cushion and Potential Escrow Shortage section - Expected Balance Deficiency paragraph, the communication stated that the total shortage is {$17.00}. On Page XXXX in the Escrow Account Projections section, the communication stated that the shortage may be paid directly and if the shortage is paid, the monthly payment will be adjusted accordingly. 

I paid the {$17.00} directly, which is shown on the XXXX XXXX Ocwen mortgage account statement that I received on XXXX XXXX. However, Ocwen still raised my total monthly payment to {$1100.00} instead of keeping my total monthly payment at {$1100.00}. Ocwen raised my total payment in XX/XX/XXXX after I paid the escrow shortage shortfall directly and could not explain the reason when I contacted them about it. 

With previous mortgages that I have had, the mortgage company kept my total payment the same when I paid the escrow shortfall directly. I am contacting the Consumer Financial Protection Bureau regarding why Ocwen 's communications state that they will keep my total payment the same amount if I pay the escrow shortage shortfall directly and they do not do this. Thank you for your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: There is more than XXXX company collecting payment on this debt and they can not verify where the payments have been applied. When I researched into who was in possession of my account, it seems as though that the account is held by multiple parties, including XXXX XXXX, Synchrony and XXXX XXXX. I tried to pay Synchrony bank directly by sending them a check to their XXXX XXXX as directed. On XXXX/XXXX/16, the check ( which was made out to Synchrony bank with my XXXX XXXX XXXX account number ) was cashed by XXXX. I called XXXX, and spoke to a representative XXXX who said that XXXX XXXX has no record of my account or my name. I also called Synchrony Bank who claims that they are soley in possession of my account but informed that the funds were not applied to my XXXX XXXX XXXX account and they had no record of the check that I had sent directly to their address. I then had to call my bank XXXX to dispute the check as I had not made it out to XXXX XXXX but it was cashed by this bank and was not applied to any of my accounts. Furthermore, Synchrony Bank refused to provide statements or receipt of payment for this 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 06/29/2015 about Mortgage (Conventional fixed mortgage) with Sovereign Lending Group, Incorporated (CA).
Issue: Application, originator, mortgage broker

Complaint: I was searching for a Lender on XXXX and notice this conpany.. but I did not see an XXXX number. Are they licensed? I did not see a XXXX number on their website either. 

XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EXETER FINANCE CORP. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX XXXX, XXXX, I was approved for auto financing through XXXX XXXX XXXX. On XXXX XXXX, XXXX, a contract was signed between myself and XXXX XXXX in XXXX Texas and XXXX XXXX XXXX was the financing company. 

On or about XXXX XXXX, XXXX, I was informed by XXXX XXXX XXXX that XXXX XXXX of XXXX XXXX retracted the contract. When asked why, XXXX stated that my social security number was invalid and he therefore could not sell me the vehicle. 

However, after I requested that he put it in writing, several inquiries appeared on my credit report for auto financing. 
I never agreed nor authorized XXXX XXXX to apply for any credit. I was already approved through XXXX XXXX Bank and the contract was signed on XXXX XXXX, XXXX. 

Please review attached

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2017 about Money transfers (Domestic (US) money transfer) with Google Compare Credit Cards Inc. (CA).
Issue: Other transaction issues

Complaint: Google Wallet wo n't transfer my balance ( {$1400.00} ) to my bank account, despite multiple verifications and transfer request forms. They claim to have suspended my account due to terms of service issues, but will have to at least release my funds, wo n't they? Multiple attempts to resolve it with customer service lead nowhere, each thread gives new and conflicting information. Telephone and chat service are disabled. Online research reveals that numerous people are in a similar situation which is surprising given Google 's otherwise great reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: APR or interest rate

Complaint: on XX/XX/XXXX I 'd had call over the phone to apply for a capital one credit card on the salesperson had mentioned that I 'll be all getting a 15 month no APR on the fix rate .my surprise on XX/XX/XXXX I noticed a charge of {$76.00} in my account just on APR. I have a call Capital one to find out what was the charge sales person on the phone stating that it was my APR charges starting on XX/XX/XXXX which I never got a notice on the mail stating that my APR will be changed to 23.99 % Capital one never provide me with the notice of this charge being applied to my account at least 45 days .I think that 's against the law provide The consumer notice before the rate is change.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/29/2016 about Debt collection (Mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, AZ XXXX was substituted as a Trustee and has filed a Notice of Default in the XXXX County Records with fraudulent and altered paperwork in order to " steal ''. They violated Pen C 131 and 134 which is a " felony ''. They are as well violating the FDCPA 15 U.S.C 1692c as they are debt collectors and are liable for this. The Lenders have not noticed us that they are the party authorized to take this action. The attached memo trying to satisfy that they have satisfied the Declaration of Mortgage Servicer Pursuant to Civil Code 2923.55 ( c ) is fraudulent as they have not tried to contact us and have had access to our council. This was attached by Nationstar Mortgage LLC and signed. The substitution of Trustee is based upon XXXX " fraudulent '' recordings on behalf of the XXXX XXXX which closed as the XXXX indicates where attempted recordings to the Trust were made 8 and 10 years after the Trust closed. The Trust violated the the IRS tax exempted status. XXXX XXXX XXXX has not sent any mail notifications that they are involved. 
County recordings show that XXXX XXXX XXXX as a debt collector attempted to extort {$140000.00} due by XXXX/XXXX/XXXX while the recording was dated XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: the following letter attached shows that this account ( XXXX XXXX  ) does not have any delinquencies, and needs to be updated, i have already spoken to XXXX XXXX and they have updated their data base as never late. XXXX also made sure of a conference all and they have updated their systems. but XXXX and equifax are not cooperating an they are just placing a dispute. please help me to update this account on the credit bureaus as never late for ( XXXX XXXX 2014 ) that needs to be removed. 
letter attached from XXXX XXXX thank you

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Checking or savings account (Other banking product or service) with U.S. BANCORP (TX).
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint: On XXXX XXXX, XXXX I went into the US Bank branch to open a new credit card. XXXX XXXX, the banker, helped me open the account and successfully got the credit card approved. After which he mentioned another product to me. Initially I declined, but after hearing his spiel and reassuring me three times that there would not be another credit inquiry done on my credit report, I went ahead and agreed to open the personal line of credit ( PLOC ) and was approved. 

When I got home later in the day, I checked my credit report and saw that there were two inquiries done. I quickly called XXXX back and let him know. He said he would be looking into it. It took 4 weeks of back and forth with XXXX and various US Bank consumer report calls for them to officially open a dispute. On XXXX XXXX, XXXX. They formally opened the dispute. 

Sometime in XXXX I received a letter from US Bank stating that my dispute was denied. I called XXXX back once again and he said he would find out the issue and get back to me. After about 2 weeks of not hearing back I called the US Bank consumer report center directly at XXXX and they informed me the dispute was for the inquiry and because the inquiry was valid as a result of the new account, it could not be removed. I explained my frustration and they said they would be opening a new dispute to close the account and then remove the inquiry. I agreed. On XXXX XXXX, XXXX they opened the second dispute. 

Sometime in late XXXX I received another letter stating that my dispute had, once again, been denied. I called the department and they said that they were waiting on documentation from the banker, XXXX XXXX, to submit so they could process the closure and remove the inquiry. The banker, had already confirmed that the error was on his part, but they still needed whatever additional documentation. They told me they would be " escalating '' it and it could take a few days before that was completed. They were/are basically holding the resolution on the actions, of an individual I have no control over, who is also one of their employees. 

After two weeks of not hearing back, I finally called back today, XXXX XXXX, XXXX, to inquire about the status. They told me that there was no notes in the dispute about why it was denied, or what was going on with the account. They have once again " escalated '' it to be reviewed. 

Frankly, it has been almost 6 months. If it was only one bankers lack of knowledge that caused this issue, I would not be writing this message. This is my last resort as there seems to be a central flaw in US Banks policies and procedures regarding matters of this sort. They do n't seem to care or want to acknowledge that they made a mistake and resolve this.

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 07/21/2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: Regulation E Electronic Funds Transfer Violation. Did not opt in and financial institution is still debiting my account and charging fees. Financial institution has no record of opt in. In XXXX of XXXX, I had spoken to my bank, TD Bank in regards to Overdraft fees that had occurred on my account. At that time, in speaking with the representative on the phone that I opened a 2nd checking account to help in preventing this from happening. It was explained to me that the 2nd account would prevent transactions from processing through the account that would place my account into the negative or if there were insufficient funds available, that said attempts at a Point of Sales System where the card would be swiped are declined. I wanted both accounts to be setup in the same fashion both only the 2nd and new account was. I had not fallen into negative on my bank account in said form to my recollection for some time until 2 days ago. On Tuesday XX/XX/XXXX... my account fell into the negative due to an electronic charge for the amount of {$190.00}. When I saw this, I immediately transferred funds to my account to cover the cost of that electronic charge but 2 charges on that same day of the transfer had been processed when they should not have been as I had originally thought my account would decline those charges as I had explained in XXXX of XXXX. Those charges were for {$4.00} and the other for {$1.00} resulting in {$35.00} overdraft protection fees each. But having thought the issue was resolved and my account was back into the positive, the next day I had run 2 transactions, one for {$4.00} and another for {$1.00} along with an overdraft fee of {$70.00} throwing my account in the negative once again. There following day ( today XX/XX/XXXX ) an automatic recurring charge of {$4.00} was posted to my account resulting in another overdraft along with another {$70.00} overdraft fee. Altogether, it would appear my account was charged for {$170.00} in overdraft fees where only 2 of them I completely understand that were posted through. The first for the {$190.00}, and the last for the {$4.00} as those were electronic charges already in motion to be charged. What I dispute are the other 4 instances that resulted in {$140.00} ( or 4 charges of {$35.00} in overdraft protection fees ) that never should have been approved in the first place. The bank issued me a courtesy refund on 2 of the charges bring it down to only {$70.00} in overdraft fees, but again this should not have occurred in the first place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/21/2015 about Credit card () with AMERICAN EXPRESS COMPANY (MD).
Issue: Billing statement

Complaint: American Express that I signed up for because it made it easier to shop at XXXX, has repeatedly overcharged interest. I finally decided to cancel the card, called for the payoff, wrote a check for that amount and sent it that day. They cancelled the card but they are now charging {$9.00} on no purchases and saying that I owe interest on previous charges.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have been dealing w/Equifax,  XXXX  and  XXXX  for the last six months regarding four accounts that are presently on my credit report. I have provided information to Equifax which advises me that they obtain their information from a third party agency. I obtained the third party division that that Equifax,  XXXX  and   XXXX   advised and they are stating that if I provided proof that the accounts did not belong to me they would remove these items. I received documentation from the company in  XXXX  that all items had been removed. however Equifax.  XXXX ,  XXXX  continues to say they are still verifying thru this company which is a incorrect and untrue!!! The first acct was disputed on   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  , the amt of the claim is for {$560.00}. the second item where disputed the same months as the previous and the amt of the claim is for {$540.00}. the last claim is for the same dispute dates and the claim amt is for {$1200.00}. the last claim I have been disputing since   XXXX   XXXX   however there is no dollar amt attached.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: IN XXXX MY WIFE AND I FILED CHAPTER XXXX BANKRUPTCY. OUR MORTGAGE WAS BEHIND AT THAT TIME.WE INCLUDED OUR ARREARS HOWEVER WE PAID THE NOTE OUT OF POCKET. THE BALANCE IN XXXX WAS APPROX. $ XXXX AND IN XXXX WE APPLIED FOR OUR FIRST LOAN MOD FOR WHICH WE WERE APPROVED. WE FILLED OUT THE PAPERWORK AND SENT IT BACK TO OCWEN LOAN SERVICING LLC . IN XXXX WE ARE NOW DIVORCED AND I PERSONALLY APPLIED FOR ANOTHER LOAN MOD BASED SOLELY ON MY INCOME ONLY. IT WAS GRANTED HOWEVER IN VIEWING THE PAPERWORK I 'VE NOTICED THE PAYOFF BALANCE IS OVER {$43000.00} HIGHER THAN IN XXXX. WHEN I INQUIRED ABOUT IT XX/XX/XXXX WITH OCWEN SERVICING I 'VE BEEN GIVING NO CLEAR EXPLAINATION. ONLY THAT IT WAS AN ESCROW ADVANCE AND INTERESTS. I CA N'T MATHEMATICALLY COMPREHEND THE ASTRONOMICAL NUMBERS I 'M GIVEN, ESPECIALLY WITHOUT PROOF.IT APPEARS THEY ADD YOUR DEBT TO THE REAR AND ADD WHATEVER THEY CHOOSE ON YOUR LOAN AMOUNT. AGAIN IVE MISSED A FEW PAYMENTS IN THE PAST THREE YEARS BUT INCREASING MY MORTGAGE BY $ XXXX IS CRIMINAL IN THREE YEARS. MY NEW BALANCE IS NEAR {$150000.00} NOW. BUT NOW THEY SAY {$96000.00} IS " DISHARGE OF DEBT '' BROKEN DOWN OVER 3YEARS IN THIRDS FOR WHICH I MUST PAY INCOME TAX FOR AND OCWEN STILL SAYS I OWE THAT TO THEM TOO. DISGUSTED, READY TO WALK AWAY.THEY WILL CHANGE WHAT THEY TELL YOU IN THE SAME CONVERSATION. ANY HELP YOU CAN OFFER WOULD BE APPRECIATED.

Company response to consumer: Closed with explanation
Consumer complaint received 12/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 05-02-2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Reviewed my XXXX credit report dated XXXX XXXX, 2017 and Portfolio Recovery Associates ( PRC ) reports an original balance due of {$1200.00} : 1. I am without sufficient knowledge of a balance due and therefore entire existence of a balance due to PRC is being disputed by me.
2. Demands for a genuine original promissory note with my wet ink signature have gone unanswered. I have stated a bill of sale is not evidence to the fact.
3. Further, PRC has never produced original signed chain of assignment ( if applicable ) and/or any credible detailed evidence and/or circumstances that resulted in such an original balance due to me.
4. This information erroneously appears on all ( XXXX ) credit reporting agencies and I have asked XXXX to dispute such claims with no response from PRC.
5. As such, all such information should be deleted from all ( XXXX ) credit reporting agencies.
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I opened up an online checking account with CapitalOne 360 a couple weeks ago to deposit a check. This is my first bank account and the check was a financial aid pell grant issued by my school. I deposited it into my CapitalOne checking account and waited a couple days for it to verify. After that, I saw that my account was locked, and that I could n't access my money. I called CapitalOne 's customer service number and was transferred to security. The man on the other line was n't very helpful. He said some things like the check could be a fraud check. He could n't tell me what the problem was and said to wait a week or and then they 'll tell me what was wrong. I waited but there were no changes to my account. I called the issuer of the check ( XXXX ) to see if the check was valid, and they confirmed that it was. I still could n't access my money, so I called CapitalOne 's customer service again, and they told me that there was nothing they could do and that only their security team could fix the issue. I asked them to transfer me to security and they told me that they could n't, which is weird because they did it the first time I called. I found the number for security on CapitalOne 's website and called it. I was sent straight to voicemail which told me to explain my issue and I did. The voicemail said that I would get a call back soon. I waited a couple more days and nothing. I called CapitalOne 's customer service again and they could n't help, and said they 'd let security know about my issue. They said that they could n't transfer me to security, and that there was no way of contacting a live person who works in security. Security has to call me themselves. They have to call and they ca n't even email me. This is an issue for me because I am busy throughout the week and I could be in class if they call. If I miss the call, then what? I told them okay, let security know. This was on a Friday, and they said security would call back on Monday. They did n't call me. I called CapitalOne 's customer service today explaining my issues again. They again told me that they could n't do anything and that their security is backed up. They gave me the number for security and I called it. It was the same number from earlier that led to voicemail. Only this time, I could n't even leave a message, their voicemail box is full. This is ridiculous. I am being bounced around back and forth with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Consumer Loan (Vehicle loan) with EQUIFAX, INC. (TX).
Issue: Managing the loan or lease

Complaint: I was denied a loan by the XXXX XXXX XXXX. The denial stated it was based upon information provided by Equifax, XXXX XXXX XXXX, XXXX GA XXXX. The denial stated that I was eligible for a free copy of this report and stated that it was my legal right to obtain this information. On XXXX XXXX, 2015, I requested a copy of the report with a letter to Equifax. Equifax has not responded and I am requesting your agency help in requiring Equifax to meet it 's legal obligation to send the credit report they maintain on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint: On my credit report they say I owe over {$17000.00} in child support that a lie i jave proof i was paying my child support I have my check stubs to proof it

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