milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-01-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX Complain letter. 
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company supposedly has on file that was used to verify the accounts and inquiries that I have disputed. Being that they have now gone 30 days and STILL can not verify these under accounts or inquiries under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete ALL information which can not be verified that I have disputed. Please resolve this matter as soon as possible as I am prepared to take legal action if this is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Trouble during payment process

Complaint: I currently have a home mortgage that is serviced  by Ocwen s ince around  XXXX   XXXX .     For the second time ( in as many years ),  Ocwen ha s declared that I do n't have the required flood insurance coverage for my home ( I live in a  XXXX  area so  XXXX  Florida ) and sent me correspondence that they plan to purchase flood insurance unless I can provide them with proof of existing coverage.     My homeowners insurance is a comprehensive policy that includes flood insurance and this is clearly stated on the declaration page. My wife and I spent weeks last year educatin g Ocwen  about our  XXXX  policy and had to escalate their lack of understanding through many layers  of Ocwen m anagement before we were able to get them to admit their error ( in writing ) and stop them from purchasing flood coverage ( at an exorbitant cost AND significant profit for   Ocwen ).
Unfortunately, it appears that there was zero learning within Ocwen as I received a demand letter from Ocwen tod  ay (  XXXX  ) stating that I am again missing flood insurance and that they planned to purchase the required coverage unless I could demonstrate coverage. My  XXXX  homeowners policy   is exactly the same policy as last year ( same company and agent as last year ). My strong belief is that Ocwen uses this process ( claiming missing insurance coverage when it is in fact in place ) to generate significant additional revenue for them.
By the way, in the ~14 months that Ocwen has been servicing my loan ; this is the third major error on their part. They are just terrible at doing their jobs.

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 05/31/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (AK).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I had a mortgage with Chase that I wanted to refinance. After locking rate and agreeing to proceed with Chase for the refinance, I was asked to complete forms multiple times. I was asked to verify the same information over and over again. I was asked to explain line items on my paycheck multiple times. Notably, my paycheck is military so should be easy to read or understand as all information is public record and easily found online, OR via the Chase department that deals with military and veterans. I was not provided information that I requested. I was not called back though I requested a call back repeatedly. Customer service ( resolutions ) contacted me several times, but they never seemed to know what was actually going on with the mortgage process, and often had incorrect information. I have participated in  XXXX  mortgages, either new or refinance, in my lifetime. I know what to expect. This process has been so painful. I can not get anyone at Chase to give me a date for closing even though they say they have all the info now. My banker is filing for an extension ( has been 60 days now ) and says they will have to verify my employment AGAIN ( this will be the 3rd time ). I have stable employment  (  XXXX   XXXX    XXXX    XXXX  in the  XXXX  ), a  credit score th at hovers around  XXXX , and most importantly, I have a history of business with Chase as this is a REFINANCE. I have had a Chase mortgage since    2003.  There is no reason this process should have been so awful for a simple refinance. I would like to walk away and chose another bank but at this point I have HOURS if not DAYS of my time invested. I feel like a hostage to Chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I attempted to obtain my free annual credit report through XXXX. I was told that there was insufficient information to obtain my score online, and that I had to mail in a paper form ( XXXX ). 

I mailed in that paper form, requesting reports from all three credit reporting companies, on XXXX/XXXX/16. I have since heard back from XXXX and XXXX, so I know the form was received, but have not received any response from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (VA).
Issue: Making/receiving payments, sending money

Complaint: A payee to whom I wrote a check erroneously cash the check twice for XXXX different amounts. I called Suntrust to address the issue and over a month later it has not been addressed. Call center agents were misleading or incompetent

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-05-2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (DE).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced my 30yr fixed rate FHA mortgage in to a 15yr fixed conventional loan. My old lender Ocwen received the pay off amount on XXXX/XXXX/2015. As per HUD, The Federal Housing Administration ( FHA ) today announced that borrowers who prepay their FHA-insured mortgages will not have to make interest payments beyond the date their mortgage is paid in full. FHA 's rule, Handling Prepayments : Eliminating Post-Payment Interest Charges, applies for FHA-insured mortgages closed on or after XXXX XXXX, 2015. This rule explicitly prohibits lenders from charging borrowers post settlement interest, which is broadly defined as a " prepayment penalty '' by the Consumer Financial Protection Bureau ( CFPB ), for all FHA Single Family mortgage products and programs. 
Ocwen is telling me that they calculate the interest on a monthly basis not on per Diem basis as opposed to that above rule. They have charged me interest for the whole month of XXXX. Ocwen charged me {$1000.00} in extra interest payment for the XXXX days of XXXX, when HUD clearly says there is no prepayment penalty. 
I have written letter to Ocwen expressing my concern about the extra interest payment and they have replied me back saying that they will only calculate interest on monthly basis and denied my appeal to refund the money.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Credit card () with JPMORGAN CHASE & CO. (AL).
Issue: Bankruptcy

Complaint: my company is apart of my bankruptcy case who was served with notification of the bankruptcy from Federal District Court as of 2013. As of today they are reporting negative information against me regarding this bankruptcy case.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Mortgage (FHA mortgage) with Seterus, Inc. (IA).
Issue: Loan servicing, payments, escrow account

Complaint: Seterus received my real estate taxes, check # XXXX dated XX/XX/2016 for {$1900.00}. The check cleared my bank account on XX/XX/XXXX. Seterus now claims this bill was never paid.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: back in XX/XX/XXXX I trade in a XXXX XXXX XXXX for a XX/XX/XXXX XXXX XXXX to XXXX, TX XXXX and was told by the dealer not to make XX/XX/XXXX payment because it would mess up the pay off amount. I also at the time did have possession of the XXXX which was being financed through capital one. Needless to say I looked at my report and XXXX XXXX had me reported as delinquent for the month of XXXX despite the care not being in my possession. I disputed it twice with XXXX XXXX with no resolution. I also disputed it with XXXX and they came back saying XXXX XXXX is correct despite it showing on my credit report that I had another at that time frame. I call XXXX about this issue and they told me that XXXX XXXX was responsible and then I called XXXX XXXX and they placed the blame on the dealership. I feel that I have been the one did wrong during this situation. both companies were paid and I had something negative placed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: The home sold at foreclosure auction XXXX/XXXX/XXXX back to the bank. The homeowner applied for assistance before the foreclosure sale date and has not been reviewed for help prior to this submission. There is also no previous modification since XXXX applied to the loan. We spoke with representative XXXX ID XXXX on XXXX/XXXX/XXXX and he confirmed that the clients modification request was sent to underwriting on XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Credit card () with U.S. BANCORP (FL).
Issue: Transaction issue

Complaint: I was ripped of by a shady mechanic and contested the charges under workmanship. Ace rewards reversed the charges at first. They did nothing for over a month even though I called and asked what I need to do. Then a day or so before XXXX they contacted me and said I had to have paperwork from an independent mechanic by the following Monday. Almost impossible to do but I did it. Then they contact me and tell me that I ca n't claim the full {$1200.00} charge that they have a policy that if I do n't somehow reduce my claim to below the original charge, that they will not process it. They strong armed me and reduced it by {$150.00} over my objections. No reason for doing so except it was their policy. Then a few days before XXXX they demanded more paperwork from the third party mechanic and wanted it by the following Monday or they would deny the claim. I paid the mechanic to do a pressure test on the engine for proof that the head gasket job was defective and got them the paperwork they required even on such short notice again. Then they deny the claim because the mechanic had written it on his invoice form and signed it. They said that I had 24 hours to get the mechanic to write it on his letterhead instead. It was impossible to do since the mechanics shop did n't have letterhead only printed invoice and quote stationary. Then after complaining to them, they denied the claim under incorrect billing criteria instead of the workmanship criteria. They pretty much told me to pound sand that there was nothing I could do about it short of find another mechanic shop that had letterhead and start over with them, pay them and get that info to them within XXXX weeks. All the mechanics I contacted did not use letterhead. They also just used invoices and could not provide an estimate and statement within that time frame. 

XXXX XXXX/US Bank did everything they could to prevent me from filing the claim. I do n't even think they submitted it to visa at all. As a result, we have been without the vehicle that does n't even run after repair, for over XXXX months now. Due to the damages that have resulted from the actions of XXXX XXXX/US Bank not processing the claim properly and with no intent to follow their own policies, I will be stopping any further payments on the account until we can go to court and have a judge settle it. I imagine the damages from the negative credit reporting will start accumulating as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My ex husband added me to his XXXX card as an authorized user before we were divorced ... XXXX will not remove this fir me. Equifax is also refusing to remove this. I am not responsible for this account

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NY).
Issue: Confusing or missing disclosures

Complaint: Coinbase will not allow users to access XXXX XXXX tokens that they were entitled to at the time of the fork. Withdrawl transactions are delayed beyond the amount of time it would take an account holder to remove XXXX and redeem XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Credit line increase/decrease

Complaint: I went to Ashley 's Furniture Store in XXXX XXXX, and was told I was approved for up to {$7200.00} made an {$8000.00} purchase and paid {$800.00} cash now the credit card company is saying I was only approved fro {$6600.00} and it dropped my credit score by XXXX points because the account shows overdrawn. Please have Ashley 's Credit Department fix this I was lied by them just to get the sale I see this as a Bait and Switch and a UDAAP violation very deceitful. Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have been making qualifying PSLF payments since XXXX XXXX on my direct student loans. I signed up for the program and have submitted 3 employment certifications since I signed up in XXXX. They are for some reason not counting payments I made from XXXX even though nothing changed. I always paid on time and was on an IBR and worked for the same company ( a XXXX XXXX community hospital ) from XXXX-now. I also noticed a qualifying payment rollback by about half during the XX/XX/XXXX billing period to which they can not account for. I called today XX/XX/XXXX to try and get this fixed and they said they will review it in the next 60 days, however I ca n't help but feel they have completely XXXX up my PSLF payments. I should be done paying in XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/23/2017 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX AND EXPERIAN REFUSES TO CORRECT THE MISINFORMATION THAT IS BEING REPORTED BY XXXX. I WANT THIS INFORMATION THAT IS ATTACHED BE SUBMITTED TO THE CREDIT BUREAUS AND ATTACHED TO MY CREDIT FILES REFLECTING THE DIFFERENCE IN WHAT XXXX IS REPORTING TO THEM AND WHAT IS BEING REFLECTED IN THEIR INTERNAL FILES AND XXXX REFUSAL TO CORRECT THEIR ERRORS.

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 06/21/2016 about Debt collection (Medical) with Remex, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Remax Collection agency contacted me via telephone that I owe XXXX outstanding balance XXXX. I never received any bill stating I owe money XXXX. I am disputing these debts because I do not owe them. The office of my primary care physician voluntarily elected to send XXXX to creditors XXXX. I never entered such contract or agreement with them. Upon submission of my health insurance cards to my physician 's office it becomes their responsibility as network provider to submit any services to the appropriate in network lab. Any practice to submit out of network lab was beyond my control and was without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law effective XXXX XXXX,2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureaus ( Equifax, XXXX, XXXX ) have not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (AZ).
Issue: Application, originator, mortgage broker

Complaint: Originally, green tree servicing llc granted me a {$29000.00} loan for a pool at my residence. In order for me to qualify, the representative of the company inflated my annual income by nearly XXXX %. My income was approximately {$34000.00} per year and to make the loan work, he reported it at $ XXXX as memory serves. I was a single father at the time, stuck in a terrible adjustable rate mortgage, receiving no child support and working XXXX jobs. There was no way I should have been qualified for the loan. Yet Green Tree found a way for XXXX XXXX, who has since gone under, to put a nearly {$30000.00} pool in my now foreclosed on home. 
Since my foreclosure, I have remarried and after being served collection papers from a law firm that Green Tree apparently sold my loan to, I reached a settlement with the law firm to repay half the remaining balance, just over {$14000.00}. They worked with me and put me on a manageable payment plan that was scheduled to be fulfilled in XXXX 2016. However, with tax returns and yearly bonuses my wife and I were able to pay the balance earlier this year and it is my understanding this debt has been satisfied. 
Now I receive a notice in the mail that is a letter informing me that 'Federal and state law prohibit certain methods of debt collection, and require that we treat you fairly. ' This was received from Green Tree Servicing of XXXX, Arizona. This letter not only rekindles the sour taste I have from ever being qualified for a loan they had no business issuing, but also leads me to believe that they still have this loan as an active debt. Frankly I am hesitant to contact these people to find out what is going on because I simply have no trust in them, and I worry they may try to collect further, even after our settlement. 
I decided to write to the CFPB because they provided your website as an avenue to report shady collection practices. I feel everything this company has done has been shady and feel it is my right to inform your offices of my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (CO).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/XXXX my then husband and I ended up foreclosing on our home. Our last payments made to the mortgage lenders was XX/XX/XXXX. Once we left the property we received nothing further from any of the Mortgage lenders. Credit reports pulled XX/XX/XXXX showed ALL mortgage accounts as 'closed '. I have these reports. XX/XX/XXXX, well past the Colorado statue of limitations ( 6 years ) I was being sued by XXXX, XXXX, Assignee of XXXX XXXX XXXX XXXX , XXXX. I disputed the claims and now have a Judgement on my credit! The original loan debt was for $ XXXX. The judgement is for $ XXXX!! I have been back and forth with XXXX XXXX whom have just informed me that this is NOT their case and that it is in fact GMAC. Whom purchased the loan from XXXX XXXX back in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contacted them about these accounts in several occasions and they have not contacted me or updated these accounts. Theses accounts where settled in my divorce and I and no longer responsibile for these accounts.. the accounts are XXXX XXXX XXXX and XXXX XXXX XXXX , and XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: SAM ; S ACCT HAS BEEN PAID DOWN TO {$200.00} BALANCE > STILL SHOWS {$910.00} THAT I OWE > PAID OVER MONTH AGO. ACCT XXXX XXXX

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 10/24/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (WV).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: On XXXX XXXX, 2017, I submitted a payment voucher to my loan servicer, XXXX, from my XXXX educational award, in the amount of {$280.00}. On XXXX XXXX, 2017, the request was received by XXXX XXXX. I was informed it would take 7 to 10  days to be processed. I have called on 3 occasions this month to confirm this payment. 

This morning, XXXX XXXX, 2017, I called XXXX since the payment has not posted. I dealt with an extremely unhelpful employee named XXXX, who did not provide me with any explanation, other than to say it was still being processed. I was informed that my options, should the payment not be processed were, 1 ) request a forbearance, or 2 ) make an additional payment. This is completely unacceptable. I do not wish to use a month of forbearance when I have already submitted a valid payment, and I do not wish to make an additional payment when I have already submitted one payment for this month. 

This is the 2nd time I have had to file a complaint due to XXXX XXXX not promptly processing my payment.

Company response to consumer: Closed with explanation