milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/14/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (WA).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen has made numerous mistakes, delay tacktics, postdating items I have sent in, and now decided to foreclose without any notice or proper advertisment of my foreclosure. On XXXX XXXX I received a letter from Ocwen stating that my loan had been postponed and that as of this date, no future date has been determined. I continued to sell my house and my house is due to close on a sale in XXXX days. I submitted this information to Ocwen on XXXX the XXXX. They wrote me on the XXXX that my home was being sold at auction Tomorrow XXXX XXXX. I supplied them with a copy of the letter and they wrote me back and stated they did not need to give any notice to sell the property. I was given no information of the sale, I asked for copies of proper advertisement and they did not provide it. I am beyond myself. I have filed several complaints about there actions which are currently under review. Alaska statute states they must properly advertise the sale prior to foreclosure for date and time. This has caused me extreme hardship. They stated they would postpone the foreclosure if I provided proof the loan would close on XXXX XXXX, which gives me XXXX business days notice to foreclosure. There letter clearly stated no new date had been set. I could have secured short term financing for the amount due but since the house has sold and they did not set a new foreclosure date, I opted to do the entire payoff. I also notified Ocwen they had made an error by not advertising the sale and not giving me notice and denied me the XXXX day delay until they formally respond. Now they tell my I have to submit any further correspondence with them in letter form to ensure delays in my correspondence instead of contacting them by email.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Debt collection (Payday loan) with ROC Asset Solutions, LLC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a call stating I owe this debt and it was in collections. I have never received notification by mail of this collection nor is it listed on my credit report. The particular company they mentioned I paid off on time and am in good standing since 2014 in which I have not done business with them or have not contacted them, and they have NOT contacted me. At this time I have no collections pending. I asked for a debt validation notice via mail, and they sent an email from their company. They also contacted my place of employment and threatened the person who answered. They also contacted my mother threatening to sue her as she was a reference in which I have never used my mother as a reference on any credit matters. I have received numerous voicemails and threats from this company for a debt that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I debt was removed from my credit report report because I disputed the account. I spoke with the original creditor and their records show my account is at a XXXX balance. Also offered to open a new account. Within the same month the same collection was placed back on my credit, with no notice. I could n't believe 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
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: experience and XXXX are reporting a charge off that is 9 years old.

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 02-11-2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I wrote a XXXX check # XXXX to Chase Bank on XX/XX/2017. 
Someone changed the to name from Chase to Chase re : XXXX XXXX and Chase submitted it to XXXX on XX/XX/2017 and it was paid from my acct. 
Someone also changed the account number in the memo section. You can see this in the endorsed check that came back through XXXX and a copy of the original check as written. 
I wrote this check to Chase to be credited to my mortgage with Chase. Chase did not credit my mortgage. 
Chase did present this endorsed check for payment to XXXX which XXXX paid out of my account. 
What did Chase do with the proceeds from check XXXX. Its clear that they credited it to someone else that I didnt intend for. 
XXXX submitted a claim to Chase to return my money but Chase has not returned my funds. 
Its clear that Chase credited this to another unintended Chase account, actually fraudulently done. What and when will I be remedied.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: XX/XX/XXXX, I received an email from XXXX XXXX XXXX indicating that the promotional period from a balance transfer ( {$1200.00} ) would end in 90 days (XX/XX/XXXX ). During the next payment cycle ( XX/XX/XXXX ), I made three payments ( {$110.00}, {$300.00}, {$400.00} ) in just over a week 's period. When I checked the status of my account to check on the progress of paying back the promotional amount. Only a small amount of my payment ( {$92.00} ) was applied to the promotional balance for the first two payments total of {$410.00}. When I noticed, very little change to my outstanding promotional balance, I called customer service at Bank of America ( today,XX/XX/XXXX ) to determine what the issue was about applying my additional payments to the promotional balance ending in early XX/XX/XXXX. I was told that because have a balance in addition to the promotional balance that I can not direct payment to the promotional balance and they will not pay the promotional balance ( except for a nominal minimum ) until my other balance is paid completely. They reiterated that the highest balances are paid first and since I have a promotional balance of 0 % that wo n't have payments applied other than the minimum payment amounts until my other balance is paid. They suggested that wait until after XX/XX/XXXX after my promotional period has expired. At this point, the promotional balance has a non-payoff penalty APR ( 19.99  % ) that is higher than my standard APR ( 9.99 % ). At that point, payments I make ( with the exception of a minimum balance to the lower APR ) will go towards what was my promotional amount. It will also cause me to incur any deferred interest, which I imagine will be added to the principal amount at the higher APR. What is even more frustrating than these predatory practices, that this credit card is labeled as socially responsible and ethical -- this is a working assets credit card. After I was told that I could not apply any of my additional payments, I cancelled the extra payment I made today ( {$400.00}, XX/XX/XXXX ) and had them return the additional payment I made on XX/XX/XXXX ( {$300.00} ). Very disappointed in 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 monetary relief
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: CRA VIOLATION / NO KNOWLEDGE OF THE 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 08-03-2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Syndicated Office Systems is attempting to collect a medical debt ( {$320.00} - XXXX 2014 ) that is not mine and have failed to provide any legitimate documentation on the false debt. Not only is Syndicated Office Systems fraudulently attempting to collect an erroneous debt, but they have falsely reported this to all 3 credit agencies causing a significant decrease in my overall credit score. This predatory collection agency has violated the Fair Debt Collection Practices Act on all levels and I would like this resolved ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Hello, XX/XX/XXXX my mortgage was reinstated from a foreclosure ... and I was told that if I make the payment in full what I owed that my mortgage company would wave all legal fees and reinstate the mortgage, I did so, then I made a regular mortgage payment the next month and everything was fine, then I got a call about a recording fee and I told my mortgage all fee were waved, they said to me since all fee were waved that I have to write a letter asking for this low amount recording fee to be waved also, I did, then later that month my mortgage company contacted me and said I owe a large amount in reinstatement fees, I said over and over again that I was told all fees were waved, they said they would look into it and get back to me { all phone conversations are recorded when my mortgage company calls } I told them talk to the lady I talked to and listen to recording but in the end my mortgage company has tact on what they say I owe on the end of my mortgage this is wrong they told me no fees and they went back on their word, please help

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 10/26/2015 about Mortgage (Conventional fixed mortgage) with BB&T CORPORATION (NC).
Issue: Application, originator, mortgage broker

Complaint: For a number of years I have been trying to refinance my mortgage with BB & T bank at a lower interest rate in order to lower my mortgage payments to help me and my family to pay more on our high credit card debt. Despite my excellent payment history with BB & T in regards to mortgage and other loans with them, they refuse to offer me a mortgage at a lower interest rate stating that my credit score is too low and that my outstanding commercial loan balances XXXX credit card debt ) is too high. This has been very frustrating for me as I realize that the answer to me improving my credit score is to lower my outstanding commercial debt. But it is difficult for me to accomplish this at my current mortgage interest rate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Seterus, Inc. (FL).
Issue: Settlement process and costs

Complaint: My dad died XXXX/XXXX/2015 while in bankruptcy proceeding. 
The Seterus/XXXX of his loan and their attorneys were on notice since XX/XX/2015 and still after many requests for an assumption document to assume my dad 's property as his heir they refuse to provide me any documents they never even contact me to assume his loan a requirement by this agency but they care less about any CFPB new rules not even the federal law mandatory to do what Im saying here To them you guys are nothing no matter you the law. Obviously this agency a fake so the people think they do live in the land called free when is not they have put my/dad house for sale 4 times and 4 times say we will agree for you to assume the loan but never they do sent me anything. The house sale date is the XXXX XXXX, this tuesday and obviously when this get any attention is to late Further, they email me saying they will advise the judge to again stay the sale hearing was XX/XX/XXXX 3 days ago and they didnt say that to the judge nothing they said I got email conversion they saying that the attorney assigned to the case is on notice to input that information to the judge They liars and they think this is not serious what they doing to me and my dead dad my dad will rest in peace while they will have no peace in my dads foreclosure XXXX XXXX XXXX XXXX. Case XXXX XXXX Property XXXX XXXX XXXX XXXX XXXX, Fl XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (AE).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I 'm stationed overseas and I can not pay my credit card company. It has drastically affected my XXXX XXXX and they 've offered almost no help at all. Capital One requires a credit card number to log in online but I do not have a card any more. I reported it lost several months ago. They can not issue me another card because my account is locked due to it 's past due status. I may call them, but in XXXX, XXXX numbers are not recognized by the cell phone carriers, so I 'm charged {$1.00} per minute. I spent {$20.00} last month and {$25.00} calling them just now ( XXXX ), only to learn there is n't anything I can do other than continue to pay exorbitant prices to call and pay over the phone. 

Best Regards.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: For three months Experian has denied me access to my credit report online subsequent a previous dispute. The report number is -- -- -- ( on email files attached-note various dates XXXX. Screenshots ( note XXXX data ) supporting the denials are also attached. 

According to info supplied by a credit card company, there have been unauthorized hard inquiries placed on my credit report XXXX only Experian, no other credit reporting agencies XXXX which negatively impact my credit score by XXXX points ; although my credit is still in the very good to excellent category with all three credit reporting agencies. 

However, Experian continues to deny me online access while simultaneously trying to sell me products and/or services of XXXX ( screenshot attached XXXX ; and I am unable to obtain the identity of the inquiries.

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 09-12-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Customer service / Customer relations

Complaint: Capital One received a cashier 's check by mail to be applied to my credit card balance. The account updated stating payment was received on XXXX/XXXX/2016 and posted on XXXX/XXXX/2016. Although, the credit card reflected a credit for an overpayment, the available credit on the account remained at {$20.00}. When calling to inquire about the available credit, I was informed that the payment had been placed on hold for 9 days. I questioned the legitimacy of the hold for a cashier 's check less than {$5000.00} considering REG CC requirements. I was told by the manager that a hold can be placed on ANY payment without an explanation regardless of the form of payment used. No attempts were made to verify the check. Not to mention the credit card is fully secured by my funds. When asked what the reason was for the hold, I was told no specific reason could be given and that it could be several causes. I was alarmed by the response and said that it sounded like a violation of a federal regulation. When denied credit, a reason must be given. When funds are placed on hold in a deposit account, a reason must be given. Unfortunately, Capital One states, no reason is necessary for holding funds applied towards a credit card. After attempting to reason with the manager, I was only shot down multiple times. By the time this is resolved, I 'm likely to have access to my funds. But, the idea that they can make rules that go against federal regulations and inconvenience their customers without an explanation is my concern. No business should be able to impose limitations to access of one 's own funds without an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Mortgage (Other mortgage) with Security National Mortgage (CO).
Issue: Application, originator, mortgage broker

Complaint: We have been trying to get all of our original documents divorce decrees tax returns and various other paperwork back from XXXX XXXX at Security National Mortgage in XXXX XXXX XXXX number XXXX XXXX and XXXX XXXX state license Colorado XXXX XXXX for several months now. After several failed attempts to connect with her and broken promises that she would return the documents via mail she is now requesting signatures for transaction that was finalized back in XXXX. We are concerned about the nature of documents she would still need signatures on this many months out I 'm concerned about her unwillingness or inability to return our original documents that were trusted with her.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (TX).
Issue: Taking out the loan or lease

Complaint: GMAC ALLY BANK HAS FRAUDULENT RUN A APPLICATION FOR A VECHILE LOAN UNDER MY NAME AND SOCIAL, CAUSING A MIXED FILE UNDER THE NAME OF XXXX XXXX XXXX. I NEVER APPLIED FOR SUCH FINANCING AND WANT THIS REMOVED ASAP.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Payday loan, title loan, or personal loan (Installment loan) with Bliksum, LLC (CA).
Issue: Struggling to pay your loan

Complaint: Back in XXXX 2016, I was having a difficult time after XXXX XXXX XXXX the military and trying to get stable financially. I used this service to help me take care of a couple of emergent things that also involved some medical costs. I agree, the acquisition of the funds were attractive and easy. However, I was hoping that I would be able to pay it off quickly in order to avoid the very high interest rates attached to the loan. Unfortunately, this was not the outcome. I faced setback after setback, which prevented me from being able to perform the payoff desired, and I had to continue on their payment plan. During this process, my wife and I were beginning to have dental issues that needed to be addressed, and to protect my honor and my obligation with XXXX XXXX, I placed our need on the shelf, in order to continue paying them. I am now at a point where our XXXX needs must move from secondary to primary, and they need to be addressed. Pain has become a daily part of our life with the XXXX issues and I need to have these funds to meet the treatment needs. I have insurance which is very helpful. However, the associated cost I will have to pay is considerable. I also have XXXX XXXX XXXX challenges with XXXX XXXX XXXX after several XXXX and all of this has often XXXX XXXX  as well as XXXX XXXX. As I took a look at the payment schedule that is attached to this report, I noticed that I have paid off the amount that I originally borrowed, {$3100.00} to the amount of {$3800.00} - to date. I also took a look at the payoff amount to be released from the debt and it is {$3500.00}! And even worse, the complete payoff amount is {$16000.00}!! All from an initial amount of around {$3000.00}. This is way more than what I originally borrowed. In the past, I have had at least 2 conversations with the company in regards to paying off the loan early. I was always advised to wait until a certain date to avoid having more interest attached. But, at any rate as you can see in the documents enclosed, the interest rate is not in favor of the borrower in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Consolidated loans in  XX/XX/XXXX . Still receiving negative credit reporting latest being  XX/XX/XXXX  120 ( days late ). Current loan service did not report. Spoken to reps at US Dept of Education multiple times. Original service no longer in business i.e Direct Loans. Please help.

Company response to consumer: Closed with explanation