milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/22/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I was working on a shortsale with Bank of America on my home that I could no longer pay. I hired a licensed real estate agent and they got me a shortsale approval then Bank of America could n't find the XXXX mortgage and when we finally figured out a resolution bank of america foreclosed on my home even though it was in active review. We had confirmed with the negotiator that the sale date was on hold a day previous to them foreclosing on me. I did everything the bank requested. I turned in paperwork and have been completely cooperative and now I feel like I was done an injustice.

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 07/29/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (DE).
Issue: Loan servicing, payments, escrow account

Complaint: Mtg was transferred and after this was done I was clocked from seeing statements and tax information from the selling mtg company

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Debt collection (Private student loan debt) with EOS Holdings, Inc. (TN).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Creditor is attaching a debt for  XXXX  University and I never attended  XXXX  University. I told him that this was not mine and that I am a victim of identity theft yet he continues to call and harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Loan modification,collection,foreclosure

Complaint: i applied for a deed in lieu in XXXX XXXX it was approved and I wasasked, in XX/XX/XXXX, to vacate the property and execute the finaldocs, which I did. In XX/XX/XXXX the mortgage company sent me XXXX. Later, in XXXX, I was told there was an error in theprocess and final approval had n't been received, so the deed in lieu wasstill pending. I received the new approval in XXXX. Later, in XXXX, I received a letter stating due to title issues my application hasbeen cancelled. The mortgage company knows that the property titleis clear because I have provided all request title documentation. 
They also know that the property is now in terrible conditionsince it has been vacant for approx.. 1 year. It is my position thatthe mortgage company did not want to the property back becauseof the challenges it presents in selling, hence it reneged on its offerof a deed in lieu. In XXXX the mortgage company beganforeclosure proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX of 2015, I received a letter in the mail telling me that I could apply for mortgage relief in the form of a modification to reduce my monthly mortgage payment. At that I was current on my mortgage but I was struggling to make the payment as I have XXXX children at home and my husbands income had been reducing steadily. I called the number on the card because it stated that it was part of the XXXX program and I thought it would be a legitimate program. The letter also had the HARP logo on it. When I called the number it was a group called XXXX XXXX XXXX. They had me talk with XXXX XXXX. They gave me a case ID # XXXX. She told me to stop paying my mortgage to be able to show a financial hardship. She also told me to keep very little money in the bank. Over the course of the last eleven months I have sent many documents, some of them over and over again. I have had many difficulties gettin in touch with them to ask questions. I recieved a certified letter from my lender stating I was in forclosure. XXXX told me not to worry about that. It was a norml part of of the process. In XXXX of 2015 XXXX notified me that my lender would not participate and the offered a forbearance plan of {$2700.00} over twelve months in order to become current. My husband lost his job in XXXX so the forbearance plan was completely unreasonable for us. I was speaking with a representative of XXXX and told her about my husbands lack of employment and she said we could start the process over with the new circumstances. Shortly after that conversation I received a notice to appear in Mortgage court. I appeared on XXXX XXXX and was told that Nationstar Mortgage was proceeding with the foreclosure. The attorney hired to represent Nationstar Mortgage was very upset with our situation. He told me we were taken advantage of and scammed. He told me to take this to my state representitive. I paid XXXX over thee thousand dollars, adheared to eveything they required and ask of me. Now I am faced with bad credit, and trying to find a home for my husband, myself and my XXXX minor children. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Capital One credit card services charged {$10.00} for a {$30.00} transaction with XXXX XXXX on XXXX XXXX for financial services. Capital One said it was a cash advance. I never received any cash because the funds were collected by XXXX XXXX. No matter, several customer representatives explained that my agreement give then the right to charge a greater amount as opposed to a lower average fee for cash advances. And thus it was a XXXX XXXX, which I few a a very high rate of interest for a one day transaction. ( I had a {$15.00} credit on my account. ) After talking to several people, Capital One finally said the {$10.00} fee was for a wire transfer. I continued to argue that this was a simple credit card charge, and XXXX XXXX represented it as a credit card charge, not a wire transfer. They failed to explain what are the differences between a credit card and wire transaction. The both use the same wires. Besides, XXXX XXXX represents the charge as a credit card transaction. They were simply charging {$10.00} by renaming the transaction. 

The ref number and authorization code will beaded to the following field.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Credit reporting () with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been a victim of identity theft in 2002 once i been came XXXX. My purse was stolen that had mi bank account information, social society card, birth certificate, driving licence,. I file police report and close my bank. It have been many many checks written out in my name and number loans, cell phones account been open in my name, cable bills in my name student loans n my name. All items are unpaid and on my credit report and under my driving licence. I have contact all XXXX credit bureaus along a credit repair XXXX and ask all XXXX credit bureaus ro remove all negative items off my credit report. They have yet to remove items. Saying all items was mines. So ask someone please ask them to remove these items. Some items been over the XXXX year time frame. They have my credit horrible saying thing like i have charge off account and account not paid as agreed. I 'm XXXX years old XXXX mother and i ca n't get anything for the things that on my credit report that not mines.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with EARLY WARNING SERVICES, LLC (FL).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: Early Warning Systems ha s a statement on my report that I had tried to commit a crime with a bank account that I never used. I want this statement removed from my files. As they can see the bank that " they '' stated gave them the information, has cleared me from their system. I believe that this defamation of character and it need to be removed immediately before I seek legal advise. I 've never had or will try to defraud a  US banki ng system. I 'm a good citizen with no arrests and my record is very clean. I am teacher and have been teaching over 20 years. I 've recently read that  XXXX   XXXX   XXXX  and Early Warning Systems are targeting  XXXX   XXXX  by putting a fraud statement in their Systems which prevent them from opening accounts or joining a bank. This is not fair or right.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Trouble during payment process

Complaint: Ocwen is sending out default letters and Demand letters on my loan that is in, " Good Standing, '' as I am not 90 days past due on my MHA HAMP Modification agreement. Violating Federal Bankruptcy laws by sending me frivilous demand and default letter. Blocking me, a XXXX person, from receiving government financial assistance from the XXXX XXXX 's Financial Crisis Assistance program. I am XXXX. I suffer from XXXX, XXXX XXXX XXXX, XXXX, XXXX and a myriad of other issues. Ocwen is pushing my XXXX through the roof because of their unwillingness to adhere to my modification, blocking financial assistance which breaks laws under ADA. I am too XXXX and too tired to go into much detail. I will attach a letter I sent to Ocwen today and that I 'm sending to the Florida Attorney General 's Office. I 'll just make some quick points because I ca n't focus for long and trying to write letters give me anxiety attacks to try and concentrate. So, here are some quick bullet points. OK, thank you Excessive fees for property inspections and evaluations, etc. failing to respond to my many inquiries sending false default demand letters when my HAMP Mod is still in Good Standing as I am no 90 days past due. They are trying to trick me out of my modification. Breaking ADA laws Breaking Federal Bankrupcy Laws on a loan that was discharged in chapter XXXX bankruptcy XX/XX/2008 and NOT REAFFIRMED

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Student loan (Non-federal student loan) with DISCOVER BANK (NH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I complained once already ~ I heard from XXXX XXXX at Discover Student Loans on XX/XX/XXXX. I have not yet once been able to contact her. ( What a joke. ) She does n't actually ever answer her phone. She told me to call the forbearance department. The XXXX time, back in late XXXX, they told me I had to wait until my payment was almost due on XXXX XXXX. I called back today and the guy was explaining that my payments will be larger - almost trying to scare me out of doing a lower payment plan for 6 months. This seems outrageous - what kind of financial help is this? I did understand that they are refusing to extend the terms of the loan. *BUT* they gave me *FALSE INFO* from the beginning and I promise you a rep there told me I could do income based repayment back in Fall XX/XX/XXXX before I signed up with them. But they do n't have a recording -- they do n't care. They are not losing anything in their eyes. All I needed was an estimate of what my loan will look like month-to-month after I go on a reduced payment plan and the guy, XXXX, I believe, he said " Sorry we do n't do that. '' Is that customer service? No, that is pathetic. That is what that is. They care very little. This is called financial slavery. And I could re-finance with another company but get the same exact rates and then destroy my husband 's credit score with a large loan like that. Outrageous - I basically went to college so I could be in financial prison. I can barely afford to pay for my housing and food when I 'm paying $ XXXX/month on student loans - what the heck was the point of college? WHAT A JOKE. Do n't ever sign up for private loans ever!

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Trouble during payment process

Complaint: Complaint of OCWEN LOAN SERVICING, LLC Property sold address : XXXX XXXX XXXX, XXXX, MA XXXX XXXX XXXX XXXX sold a jointly owned property on XXXX/XXXX/2017. Sale price was {$630000.00} and mortgage balance of {$320000.00}. Ocwen XXXX XXXX withheld {$570000.00} from the sale of the property instead of the remaining mortgage balance of {$320000.00}. The balance was adjusted due in part to a modification and Form XXXX was issued to us. We had to file the forgiveness of debt amount as income on our federal and Massachusetts income tax returns. Ocwen Loan Servicing, LLC added back the forgiven amount back to the mortgage balance. Instead of receiving {$310000.00} from the sale amount of {$630000.00} we only received {$24000.00}. 
We are asking the Attorney Generals office to assist us in getting Ocwen Loan Servicing to refund us the balance of {$290000.00}. This amount represents the difference between mortgage balance and the amount paid to us of {$24000.00} received from the sale of the property.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Experian allowed XXXX to report a debt on my credit report that has already been paid and removed three times. This is the third time experian has reinserted previously deleted account. Please permanetly remove account with action professionals 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 non-monetary relief
Consumer complaint received 08/16/2017 about Mortgage (Conventional home mortgage) with TD BANK US HOLDING COMPANY (NJ).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: This is in response to CFPB Compaint # XXXX I received notification that this complaint was closed based on TD Bank 's response. Why was it closed before I was contacted about their response?! TD did n't address the reason for the complaint. The point of contention I have is with the initial conversation I had with XXXX XXXX ( NMLS : XXXX ), a 'mortgage specialist ' with TD Bank . I knew I did n't qualify for a mortgage on my own as I had been a XXXX XXXX XXXX and was n't working full time in the most recent tax years so I my father-in-law was going to be my co-guarantor on the loan. XXXX steered me away from that and pre-qualified me for the mortgage after she got my current ( 2016 ) estimated income. As a result, my mortgage got declined after I had already spent nearly {$1000.00} on home appraisal fees, credit reports, and other fees and was left to deal with the financial mess while my wife and I were on our honeymoon. I 've contacted TD Bank numerous times and they have said they have reviewed the tape of the initial conversation I had with XXXX in XXXX of 2016. The person I spoke with said there was nothing on the tape that backed up what I said but when I pressed them about specifics they admitted they had n't listened to the tape. I want a copy of that tape. Since I contacted them in XXXX, I 've spent way too much time listening to them ramble on about how I was n't eligible for a mortgage based on my income but I knew that before I even applied and that was never the issue. Back in XXXX TD Bank also promised to send me a check for the nearly {$250.00} I spent on International calls trying to sort this mess out during our honeymoon. I have yet to receive anything from them.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Debt collection (I do not know) with River City Financial, LLC (MN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: The law firm of XXXX XXXX XXXX has, over the past 18 years, captured my money several times for a debt they allege, but has not proved, I created in XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX acting on behalf of River City Financial, apparently obtained a judgment against me, without providing me notice, for this account they alleged I opened inXX/XX/XXXX This same year, the law firm acting on behalf of the debt collection agency then captured an account for this debt ; one of which, I shared with my parents. I was on the account due to them both being ill and unable to care for their financial affairs. I sought help inXX/XX/XXXX, from the Minnesota Attorney Generals office, which resulted in XXXX XXXX XXXX River City Financial returning the money to my parents account. Because of lack of knowledge on laws about debt collection, getting my parents money returned was the only action I took.
For a second time, in XX/XX/XXXXthe law firm of XXXX XXXX XXXX captured my bank account that was set up in my name. They took close to {$800.00} which were both my wages and school loan money ; at the time, the law firms actions put my family in dire financial hardship. As a result, my family had to find monies to get basic needs and other daily living items to continue to move forward.
Again, I sought assistance from the MN Attorney General office. While I worked on providing XXXX XXXX XXXX with proof of my familys financial situations, the MN AG office assisted me by writing a letter to the law firm on my behalf requesting information about the debt. The agencys response was not expected because they could not provide the original application ; nor, did the law firm provide any solid evidence that this debt belonged to me.
I am tired of being frighten about the next time this big law firm decides it can capture my limited financial means. I can barely afford to take care of my family and I certainly can/do not want to continue to pay for a debt that is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with General Financial, Inc. (WA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This company refuses to provide proof of credit validation. 

They harass me numerous times during the day. 

I have sent validation letters in : XX/XX/XXXX XX/XX/XXXX They still insist I pay for this account. 

This is fraud.

Company response to consumer: Untimely response
Consumer complaint received 07/18/2017 about Debt collection (Other debt) with Capital Accounts, LLC (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I have a " debt '' from a previous employer that i worked for in  XXXX . It was a   XXXX   doctor. The  XXXX  doctor gave all the employees free vision screenings etcs. I bought a pair of prescription sun glasses. It was to come out of my payroll check. I ended up changimg jobs shortly after because I found a better job. The office manager asked if she could keep my last check to pay for the frames. I agreed. NEVER receiving my last check, i assumed all was fine with the presciption glasses. Apparently not. I have disputed and disputed this debt for years. I never once signed anything stating I would be liable for anything better yet something i paid for in full. In   XXXX   XXXX  , i contacted the collection agency to explain what was going on. They did n't care. I explained what was the total of the glasses which was {$210.00} at the time, compared to what they said I owed which is {$470.00}. It 's not right. Its illegal what my past employer did and for the collection agencys doing. This is killing my credit score and its stopping me from pursuing goals that I wanted to meet. Please help. Thank you!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Mortgage (Conventional fixed mortgage) with Arbor Residential Mortgage LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have spent a year ( so far ) trying get all reimbursements due on an insurance claim from Seneca. They hold the money from the insurance during this arduous, redundant process and appear to be incapable of performing their responsibilities. Since XXXX 2015, I have been told 4 times that a check will be sent and still have not received XXXX. Each time I call, they are unable to track the check or confirm one was even mailed. Today I was told the same, the had to provide the loss information again so they could create a new " claim '' in order to generate a " draw ''. I have wasted way too much time trying to get this last {$100.00} from them and pursue this only as a matter of principle. I 'm convinced they intentionally make the process arduous in order to keep money as long as possible. This is just the latest problem we have experienced with Seneca. My previous compliant at least resulted in a positive change to make claim forms available online.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Debt collection (Auto debt) with Westlake Services, LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have reviewed my credit report for just short of a year and have noticed multiple accounts listed for XXXX XXXX. I have made several attempts with the credit bureaus to get these unverified accounts removed with no success. Each dispute returned that XXXX XXXX verified the debt. I sent a certified letter to XXXX XXXX to investigate the accounts as well as requested the contractual agreement I entered with this company, statements and communication sent to me by this company that could substantiate what was being reported on my credit profile. To date this information has not been supplied and my request ignored. This company entered into bankruptcy during the time in which they state these accounts originated with them. There are multiple discrepancies with these reporting accounts thus the reason for my request.

Company response to consumer: Closed with explanation