milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/19/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: We previously submitted complaint XXXX with our mortgage company Bank of America in XXXX 2015. We received a response, had a new Customer Service Manager assigned and were told to continue to make payments since our account was not foreclosed. We have not missed a payment in 6 months. We were also advised that if we had a change in circumstances, we should contact our manager to discuss alternate options available. To this date, I have attempted on multiple occasions to reach XXXX XXXX or someone in his office and have received no return calls. We received a letter today stating our account was being referred to foreclosure. Again, I called XXXX XXXX to call to discuss this letter and received his voicemail. I am extremely frustrated by the lack of communication we received prior to opening this letter. No additional options or attempts to contact us from their end were made.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 01/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have been paying my student load for a number of years. I noticed as I began monitoring my credit that the loan amount on my student loan continued to rise every month even though I was making payments for a number of years. When I contacted Navient, my student loan service provider, it was found they had miscalculated the required payment amounts and did not cover the interest amount. I questioned how they planned to resolve the issue and correct the loan amount. They stated the interest would have accrued anyway and that no corrective action would be necessary other than increasing my payment amounts. This made very little sense, as for the years I had been paying the loan amount should have been decreasing. I am now stuck with higher loan debt amount and forced to pay a higher monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Capital One p osted a late payment on my credit report against FCRA rules. My payment due date was  XXXX   XXXX  ( {$67.00}  )  and I made my payment  XXXX   XXXX  ( {$100.00}  ). Technically,  from my understanding of the law, as long as I make a payment before  XXXX   XXXX  a creditor can not charge me with a late payment. Late payments occur if no money is received 30 days after the due date.   Capital One posted a late payment on my credit report for not making a payment 5 days after the due date. Please review this with Capital One as I feel this is excessive and that I should not be charged late for this.
I contacted Capital One   and spoke with the rep,  XXXX . She filed a formal dispute and informed me it could  be 10days that a rep from Capital One would contact me and that the bureaus may take 30-60days to po ssibly remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Debt collection (Credit card debt) with CAVALRY INVESTMENTS, LLC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Company violated my rights under the FDCPA by continuing to attempt to collect the debt after I requested a debt validation and before they sent the validation to me.

The Fair Debt Collection Practices Act clearly states that collection agencies MUST cease all collection activities until they provide validation of debt, once a consumer a consumer request is received.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: A new escrow analysis was done and returned a {$700.00} house payment increase. It was discovered that Insurance and Taxes were incorrect. When DiTech took over from Green Tree servicing ( XX/XX/XXXX ), the computer system change over some how double payed my insurance, which caused the increase. Also, when my Tax escrow was computed, Ditech did not take into account My homestead AND XXXX person ( since XX/XX/XXXX -- XX/XX/XXXX on the current property ) exemptions as well as a TAX FREEZE. 

Over several Phone calls speaking with customer service manager XXXX @ ext # XXXX, 5 attempts were made to recompute escrow. Because of Ditech error, not all insurance and processing fees were returned to my account ( approximately {$2300.00} ). 

Full documentation for county Tax computation was FAXed to Ditech but even with correct information, they insisted an approximate {$500.00} increase in payment. 

The credit reporting agencies have also been informed of 30 days late status. This is the first time being late on my house payment, and since I am in the process of applying for a car loan, the information has impacted that process as well. 

Please be aware That XXXX has been trying and not been able to get my problem resolved. She is as frustrated as I in this. She is not far enough up the chain of service managers to get to the bottom of the problem. I honestly believe she is not at fault. 

Between {$2300.00} and incorrect TAX computation, that ALL parties involved agree was originally caused by the Computer system change, I ca n't believe it should be this difficult to correct. The additional fallout of the credit reporting agency notification makes it an order of magnitude worse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I have had a mortgage with OCWEN since 2002. Due to severe financial hardships, I had to remortgage my home that was previously paid for. I have repeatedly asked for modifications to this loan # XXXXxxxx. I was put behind in my payments, when I applied for ( the first of three ) modifications to my mortgage, by being told, via a recorded message NOT to make any payments until the modification was approved. This caused me to fall behind, adding payment on top of payment Then, OCWEN did not approve the modification, and said I owed all the back payments, which was impossible to make, causing my mortgage to fall into default, causing extreme stress and heartache. At one time I was forced to pay app XXXX A MONTH FOR AT LEAST 12 MONTHS, ALMOST CAUSING ME BANKRUPTSY ON A {$56000.00} MORTGAGE TO CLEAR UP THE PROBLEMS THAT OCWEN CAUSED!!!. FOR OVER 12 MONTHS, I HAVE MADE THE PAYMENTS ( {$870.00} app ) ON TIME, AND HAVE ASKED FOR MODIFICATIONS AT LEAST THREE TIMES, AND WAS TOLD EITHER I DID N'T SEND IN THE PROPER DOCUMENTS, OR THEY DID N'T RECEIVE THE COMPLETE DOCUMENTS THAT WERE ON THE LIST, OR THE DOCUMENTS WERE LOST. THE LAST REFUSAL WAS THAT THE INVESTOR WAS NOT ACCEPTING ANY LOAN MODIFICATIONS AT THIS TIME. THE XXXX AND HEARTACHE FROM THIS COMPANY HAS SICKENED ME TO NO END. 
I JUST RECEIVED A CHECK FROM OCWEN FOR {$740.00} FROM THEIR ESCROW DISBURSEMENT ACCOUNT, BUT I AM AFRAID TO CASH THIS AS THEY MAY ADD IT TO MY PAYMENT DUE! CAN SOME ONE HELP ME?????

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Mortgage (Conventional home mortgage) with LoanCare, LLC (MI).
Issue: Trouble during payment process

Complaint: My mortgage documents specify that a late fee may only be assessed if a payment is received 15 days or more after the due date. My mortgage loan servicer, LoanCare ( NMLS # 2916 ), charged me a late fee of {$10.00} for making my payment due XXXX/XXXX/XXXX on XXXX/XXXX/XXXX. LoanCare attempts to disguise this practice by labeling their late fee a " draft fee ''. No " draft fee '' is charged if a payment is received within 4 days of the due date, a {$5.00} " draft fee '' is charged if a payment is received 5-9 days after the due date, and a {$10.00} " draft fee '' is charged if a payment is received 10 or more days after the due date ( or some similar progressive penalty structure ). The only reasonable explanation for the structure of these " draft fees '' is to penalize consumers for making payments after the due date, with the penalty increasing as more time passes. In other words, the '' draft fee '' is a de facto late fee that violates the contractual terms of my mortgage loan.

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 11-09-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to modify my loan via HAMP with Ocwen since last year and they kept giving me the run around to finally tell me that they will not process my modification after they sent me a letter stating that they would do so. I have spent countless time on the phone explaining this to different relationship managers. Every time I spoke to someone I would get a different answer or different instructions on what to do next. They sent me payment vouchers which was incorrect during the trial period which they addmitted to doing. They asked that I send in the shortage and 1 additional months payment ( for a total of 4 months under the HAMP ) and then they would process my final modification. After I did everything they asked me to do and met the requirements they still would not process the final modification. I have tried my best and I am tired of fighting with them. No one seems ever have a clue as to whats going on when you contact them for help or assistance. I have a secure letter that was sent to me by Owcen that states for me to make they payment difference and they would process my final HAMP which I will attach to this complaint. I will also be attaching the letter i recently recieved from Ocwen stating that they denied me for non payment which is incorrect, they did recieve my money per the letter dated XXXX/XXXX/2015. I called in and was once told by a relationship manager to reapply for the HAMP to get it processed but they denied it and sent me a Shared Appreciation Modification which I was uncomfortable with signing and sending back because the value of the home seemed to be inflated per their apprasial and there were some other things I was n't comfortable with. Again I told them i was n't comfortable with that and did not want it. I get a letter in the mail saying we denied you for the Shared Appreciation Modification because you failed to make the payments of which I never singed and returned the package to them agreeing to any of it. I have tried to explain to the best of my ability and will attach some supporting documentation to explain my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with FIRST NATIONAL BANK OF OMAHA (PA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: A few months ago, I attempted to make a normal, monthly payment to my account statement over the phone, using my debit card attached to my checking account. I thought the payment had gone through okay, as I received a confirmation number. A month later, however, after seeing my printed statement, I noticed the bank indicated that I had made a stop-payment on the amount I had paid. Realizing it was an error ( I had never requested any stop-payments on my account ), I contacted my bank who issued the debit-check card and the First National Bank of Omaha, to whom I had made the payment. I then did a 3-way conversation with my bank and the Bank of Omaha customer service to try to rectify the error. It appears when I made the phone payment, I may had inadvertently left out one of the numbers in my checking account when putting my information in. Even though The First National Bank of Omaha customer service rep realized it was an error, the person I spoke to was extremely rude and condescending, and refused to rectify the situation. I received a letter stating my account had been closed for delinquency, although I had no past-due amount assessed to the card. As a result, my credit has been damaged and I am struggling to pay the card off, as they are adding on late fees and interest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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've recently challenged the accuracy of a public record that's being reported by TransUnion via letter, in which you'll find attached.

I'd requested names, addresses and contacts for those who reported the information. After their investigation, I've been told that the business name, address and contact of the '' furnisher ( s ) '' can be found in the investigation results. According to the attached, Georgia Federal Court- XXXX furnished the information with an incorrect address as well. Neither have I been provided documentation bearing my signature, as requested.

I'm asking that this matter be resolved in a timely fashion due to the fact it has hurt my ability to purchase a home.
I have attached all evidence of my efforts and the response. I have even placed a security freeze with XXXX XXXX. Thank you, in advance, for your time & effort in this matter. 

Kind Regards, XXXX 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 12-08-2016 about Debt collection (I do not know) with AR Resources, Inc. (PA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: AR Resources posted a collections case that I do not recognize on my credit reports with XXXX, XXXX, and XXXX. AR Resources never contacted me prior to posting this on my report. After seeing this unkown collections item I have attempted to contact AR Resources via email, fax, and USPS mail. I 've received confirmation receipts that my communications have been received. AR Resources has still not contacted me or responded in any way, but their unsubstantiated report is still destroying my credit. 

In my communications to AR Resources, I provided email, phone, and mail contact information for me, but they still have not responded to my requests for information, requests for substantiation of the debt, amount, creditor, licensing, etc. They have not responded to any questions. They have not removed this disputed collections matter from my credit reports, and that has already caused substantial harm, including a mortgage that was already approved now being canceled right before closing.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Mortgage (Conventional fixed mortgage) with Capital Markets Cooporative, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I recently refinanced through XXXX XXXX in XX/XX/XXXX and my first payment is due in XXXX XXXX 2016 according to the note. However i received a letter dated XXXX XXXX 2016 that the loan was sold to CMC funding C/O XXXX XXXX XXXX. After numerous calls in XX/XX/XXXX to both XXXX XXXX XXXX and CMC funding i have not received loan account numbers from new Servicer. I was told from both bank agents that I would receive welcome packet within 15 days from the first payment is due. Today is XX/XX/XXXX and i have not a welcome packet. After calling CMC funding on XX/XX/2016, they could not even locate the file, using SSN or home address. The XXXX XXXX agent directs me to call XXXX XXXX XXXX, XXXX XXXX XXXX directs me to CMC funding and CMC funding is Directing me to XXXX XXXX. 
I have attached the letter and could CMC answer why I have not received a welcome packet within 15 days of due payment Thanks

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 10-07-2017 about Debt collection (I do not know) with Radius Global Solutions LLC (NE).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company continues to call me after I told them to stop. They will not tell me what they want without providing personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Credit reporting () with ALCHRO INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In 2014 I contacted XXXX XXXX credit bureau requesting that they open a dispute into the claims from this creditor and its representatives. This account, after investigation with assistance from the CFPB was subsequently deleted from XXXX but continues to report on my XXXX XXXX and XXXX files. I am requesting that XXXX XXXX credit bureaus please remove the entry/account from my credit file.

Company response to consumer: Untimely response
Consumer complaint received 09-12-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Green Tree Servicing Mortgage Co. harassed us monthly for mortgage payment. They also collected a XXXX dollar service fee for over the phone pay, for years. They sold our mortgage to Ditech mortgage I received a letter stating they broke the law in many aspects and have been sued. They sent a XXXX dollar check. This is not enough compensation for the money we paid them, and the aggravation and harassment we went threw. I would like to know what I can do about this? I can send bank statements to verify if you need them. Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I paid off my mortgage to Nationstar mortgage in XXXX 2015, and requested a projected time to record the full reconveyance. They responded it would take 30-60 days to prepare the paperwork. I subsequently found California gives them 21 days to Record the documents. As of today 's date XXXX/XXXX/2015 nothing has been recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am disputing account number XXXXXXXX with Transunion for an amount of {$290.00} because I have sent several dispute letters to this company and they remove it from XXXX credit bureau then list it with another. I have contacted XXXX to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. This item needs to be deleted immediately from ALL XXXX Credit Bureaus and never reentered on my credit reports again.

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 11/22/2017 about Mortgage (Conventional home mortgage) with Fay Servicing, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: On XX/XX/XXXX, I requested a Reinstatement Demand from my lender Fay Servicing so that I can reinstate my loan to avoid foreclosure. They stated it would take about 5-7 business days to receive the reinstatement in writing. Then I call back today only to be told the request never got put in and they will be putting it in today. This is really hurting me because I plan to take the funds out of my retirement and the only way they can release the funds is to have the reinstatement figures in writing. Now I am facing a foreclosure sale on XX/XX/XXXX and Fay is jeopardizing the loss of my home! They do not understand that this is all a process and I am doing my part.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: they say not information about me.when I am disputing an item and notorizing it and send it to then to its me send it.they wait 30 days and send a delay letter after another delay letter.

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 07/14/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid the agreed settlement amount on XXXX XXXX, 2015. I contacted the company and asked for a letter stating the account was paid and closed. The letter I received still states i have a balance with the company and the supervisor ( XXXX XXXX ) I spoke with stated that XXXX sends these letters out this way and I would not receive anything else other than this even though I don not owe a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: my mortgage company which is meant to be paying my property taxes has not paid XX/XX/XXXX and are late paying 1st installment of XX/XX/XXXX, they are showing an amount of {$5900.00} paid twice a year in the amount of {$2900.00} each payment, they only paid {$710.00} but they showed on my account they were releasing {$2900.00}, im now delinquent with the XX/XX/XXXX payment which is short {$2000.00} as i received bill for {$340.00} which i personally paid. I have been emailing and calling them since XX/XX/XXXX and i get no answer from them each time

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 07/22/2015 about Consumer Loan (Vehicle lease) with BMW Financial Services NA, LLC ().
Issue: Managing the loan or lease

Complaint: My XXXX XXXX was totaled in an accident on XX/XX/XXXX and was paid out in full by XXXX XXXX in XX/XX/XXXX. BMW FS was paid out in full, but they have reported on my credit file that I was delinquent with payments, As a result there is serious error on my credit report and my FICO score has been impacted. 
As a result of BMW mistakes I can not get a loan to buy a home and I am suffering hardship due to the error made by BMW XXXX staff.

Company response to consumer: Closed with explanation