milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/29/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NV).
Issue: Loan servicing, payments, escrow account

Complaint: There has been fraud and robo-signing going on with the companies that handle our note and Deed of Trust! A complaint will be filed with the CFPB and other agencies in the near future regarding this issue. We are requesting the following information to complete our investigation before we file the fraud and robo-signing complaint with all supporting documentation including a third party investigation, with federal and state agencies! 
Now ; we send our monthly mortgage payments to Ocwen Loan Servicing, our servicer. Our trustee is XXXX XXXX XXXX. Again, I am requesting the following information in writing with documentation! 
First, provide documentation on who Ocwen Loan Servicing sends our monthly payments too. 
Second, provide documentation of when ( dates ) Ocwen sends our payments. 
Third, provide documentation of how much ( amount ) Ocwen sends each month. 
Forth, If Ocwen sends our monthly mortgage payments to XXXX XXXX ( our trustee ) as suppose to be, then Ocwen Loan Servicing must request additional information from XXXX XXXX! 
Fifth, has XXXX XXXX XXXX kept any of the funds that have been received by Litton and Ocwen Loan Servicing since 2006? 
Sixth, provide documentation on which investor did XXXX XXXX XXXX send our monthly payments too going all the way back to XXXX XXXX XXXX, our original lender on XXXX XXXX 2006. 
Seventh, provide documentation on how much did XXXX XXXX send each month to the investor? 
Eighth, provide documentation of the dates when XXXX XXXX sent the payments? 
Ninth, provide documentation on the type of payment sent to the investor? ( check, electronically, ETC ) Be warned, do not add any other information with in your response other than what is requested with in this complaint, otherwise more complaints will be filed against Ocwen Loan Servicing!

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (PA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: Since XX/XX/XXXX, I have had four fraudulent attempts to open a Chase/XXXX XXXX Credit Card in my name. They use all the correct information except for my correct current mailing address. They keep using my parents home address. But as of XX/XX/XXXX, the fraudulent have been able to open a credit card in my name and went through this time ( not denied ). I called on Saturday, XX/XX/XXXX as soon as I found out when I received an email regarding a change in my credit report. I notified XXXX and they closed the account. They have known about these issues but yet it keeps happening every month. I have filed police reports as well as FTC Identity Theft Report with them and this still seems to keep occurring. I also have XXXX on my accounts, and fraud protection through the credit bureaus but nothing is stopping this. I am beyond frustrated and since I already have this card, I do not understand how this was able to go through and this person be able to open this card on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/21/2016 about Mortgage (FHA mortgage) with American Financial Resources, Inc. (MS).
Issue: Application, originator, mortgage broker

Complaint: Lender set an original closing date on my loan for XXXX XXXX, 2016 but had not collected enough information needed to close so we were not able to close. I am now going into the fourth month with no set closing date and lender is asking for a lot of same information already provided. Does not respond when ask what is needed to close. I feel that I am being put in line behind other buyers for whatever reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Kohn Law Firm S.C. (WI).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: the Kohn Law Firm at XXXX WI XXXX, has many attorneys, I sent a written cease of communication notice, because I do not deal with 3rd party collection agencies. the 1st atty sent me a fake summons to a real court, I found out it was fake when I contacted the court they did not know anything about it. Then the next atty ( I assume XXXX all I have is the name XXXX on my answering machine ; that calls me once a day for the last few days. I sent each attorney written cease of communication notice. I guess they r pretending that they did not receive them because I did not send them certified mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/23/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: My account balance on my capital one checking account is often poorly updated through the  XXXX  app.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There is a XXXX XXXX that has a DLA of 7 years still listed on my credit file. I feel this company has re aged this. If a proper investigation was completed this would have been removed. 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 12/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XX/XX/2016 I submitted Identity theft papers to transunion consisting of my FTC Affidavit, Police Report and some other documents supporting my claim. Today is XX/XX/2016 and the creditors XXXX and XXXX which are the same company is still reporting on my credit report after I sent in my identity theft documents explaning how them XXXX accounts do not belong to me. I also sent XXXX XXXX a copy too, and By Law since I sent them a copy of the FTC Affidavit and Police Report them items suppose to be blocked by the credit reporting agencies and also the creditors for supplying them with that pertinent information. The Law States : If a Furnisher learns that it has furnished inaccurate information due to identity theft, It must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information Section 623 ( a ) ( 2 ). 
When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).

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 02/16/2018 about Student loan (Private student loan) with WELLS FARGO & COMPANY (NJ).
Issue: Getting a loan
Sub-issue: Problem with the interest rate

Complaint: On Sunday, XX/XX/XXXX I spent a few hours gathering information on my student loan including : downloading all available statements, noting down 'current balance ', 'paid to date ', 'interest paid ', 'interest rate ', etc. in order to validate the suspicion that Wells Fargo does not apply the .25 % Auto pay discount as advertised. Attached is the all supporting documentation available to me and compiled for you with a detailed breakdown of interest rates from XX/XX/XXXX - XX/XX/XXXX with those impacted interest rates marked as reference with a circle. 

The initial loan taken out and that was disbursed years ago was set up with automatic payments for a number of years. The available statements relating to this loan are dated from XX/XX/XXXX to XX/XX/XXXX - I have submitted and am awaiting paperwork covering the rest of the loan. Please look at those dates indicating that on each statement the .25 % was not applied. On the second consolidated loan, from XX/XX/XXXX to XX/XX/XXXX, during the time which the loan was set up with Auto Pay, the lender again failed to apply the .25 % discount. 

Wells Fargo has thousands of student loans and I am certain this is a common issue among all of their student loan accounts with Auto Pay, and if not all, most certainly a majority. I consider this fraud as upon reviewing what is marketed, and the legal copy, I find no indication that my current loan or the original loan would not have qualified for Auto Pay discount based on the disclosure available. I consider this a very serious issue. Wells Fargo does not apply the Auto Pay discount when the student loan customer ( s ) meets the criteria advertised.

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 09/23/2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I applied for a free bottle of supplement with a company name XXXX XXXX. I canceled the membership before the trial period ended, also the card I gave them was closed and a new card was issued. Suntrust allowed the XXXX XXXX to charge a card they did n't have to authorization to charge nor did they have the card number.I am in GA and my family was affected by XXXX XXXX and because of Suntrust negligence, my family has been without food 2 days.They are refusing to reimburse fees for an illegal transaction they authorized. NOT ME. I NEED MY FUND 3 DAYS AGO. 

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 06/30/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Settlement process and costs

Complaint: In 2009, XXXX XXXX we unfortunately lost our home of XXXX years to a fire. Within a day XXXX we contacted our mortgage company to inform them of what happened. The representative informed us we would be placed in forbearance. They gave us the run around and we turned to an attorney within a couple months due to going in circles with these people. Over the next XXXX years we fought for payment of the house and personal items. Our attorney asked us for the forbearance letter. We had no idea what she was talking about. The mortgage company, Bank of America, was attempting to take the balance of our insurance money to the tune of approximately {$43000.00}. Our attorney said we should stop the bleeding due to the mortgage company adding up daily charges. The mortgage company said that we have n't made the payments. How in the world in just XXXX months can we owe an additional XXXX $? Would n't they be held accountable for not sending the required paperwork in this situation? I would like to see my $ XXXX plus interest given back to us.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (WI).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I am in a revised pay as you earn plan. The plan, as known in the loan documents, caps your repayments at 10 % of income and provides a set amount per month.     For the pas t ~18 months , I have been repaying my loans without incident. Recently,  Nel Net has  begun assessing the payments for different groups at different times. What this has resulted in is a monthly amount that exceeds the minimum monthly payment.     This should not be compliant with the purpose of the payment plan in use.     What it creates is a situation where i have to pay the minimum amount and then am charged an additional repayment amount for a different group set.     I do not find their explanation of this change availing. I was never assessed a separate amount for the previ ous two years that  I have been repaying this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 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: Information belongs to someone else

Complaint: I received a collection letter in the amount of XXXX from XXXX XXXX XXXX. I called XXXX XXXX XXXX and they referred me to XXXX. I spoke to XXXX and sent them the supporting documentation via email @ XXXX and postal mail to XXXX XXXX XXXX XXXX with no response. I then pulled a copy of my credit report and they sent my collection to another XXXX XXXX XXXX XXXX XXXX who has yet to contact me or respond to my supporting documentation. 

The account reported in the amount o f {$530.00} as of XXXX/XXXX/XXXX is NOT MINE. I did not sign the contract. The renter signed the contract and is responsible for the account. Please see the attached lease agreement that also matches the XXXX contract name and contact phone number. 

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 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Information was disputed from my credit report and now it has reappeared

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 05-03-2017 about Vehicle loan or lease (Loan) with TD BANK US HOLDING COMPANY (NJ).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: I have been trying to finish my  XXXX  months car payment, I called  DT  bank to give me the exact amount that I must pay. I have received abo ut 3 differe nt letters with different amount. I submitted a complaint to your office. I received a reply but did not answer the question I have been asking. Last week I received a letter from  XXXX   XXXX  the Senior vice president with the exact amount to pay before  XXXX / XXXX /  XXXX  . He also stated that if I do n't they will repossess my car for a {$350.00}. I called  XXXX  on  XXXX , made payment. I called early this week asking for my car title I was told that the loan numb er I gave to t hem is not on record. I was asked to provide my social, I gave the women my social. After that she ask my name and address, I did just that. After that she than asked my birth date. I told her I will not. Due to identify thift. I also told her I was told  by     XXXX   XXXX   th at once I agree to sign up for a voice recognition I will not be asked to provide all my information. That also was a lie. So the women hanged up the phone. Today  XXXX / XXXX /  XXXX  . I received a certified mail from  TD sayi ng this is a last notice I must pay {$350.00}. If not they will repossess my vihecle. I also received another letter that I own {$190.00}. I paid TD bank more money for this used car. I want my car tit le. Life goes on I want to move on  with my life.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: The inquiries illustrated below were not authorized and have been disputed with the respective companies to no avail.      1 )   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    2 )  XXXX   3  )   XXXX   XXXX   XXXX    4 )   XXXX   XXXX   XXXX   XXXX   5 )    XXXX   XXXX    XXXX  )  XXXX   XXXX  )   XXXX   XXXX    8  )  XXXX   9  )  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Convenience checks

Complaint: Wells Fargo is sending unsolicited XXXX '' - checks that draw from your credit card. In my opinion these are extremely confusing to customers to send out, and now disposing of these correctly has become my problem. 

Each check includes at least XXXX digits of my credit card number, and recovery of any check would be enough to deposit it electronically on my credit line.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (VA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Chase XXXX XXXX XXXX Visa customer representative supervisor XXXX from XXXX XXXX, Texas, said on XXXX XXXX, 2017 that the original XXXX bonus offer for spending $ XXXX in 3-months I was promised when applying for the card was a " misprint '' and that the URL on the original offer went to the " wrong '' webpage. <P/>When I called to inquire about this situation, a customer service representative said the company receives " a lot of calls '' about this type of problem and that " no one at the company can help me. '' He kept me on the line for an extra 30 mins. after I asked that the call be escalated to a supervisor who could help me. When I was finally transferred to supervisor XXXX after 45 mins., he provided contradictory information from the original representative. XXXX also said that there is " no greater authority '' than him at the company to help me, except " maybe '' the " correspondence department. '' Was informed that the card was activated without my knowledge in XXXX. 2017, even though I received contradictory information when I called the credit card company on XXXX XXXX, 2017 to actually activate the card and confirm the promotional offer. ( I received my first credit card statement several weeks later with indicated activity beginning on XXXX XXXX, 2017, the day after I called to activate the card. ) Between XX/XX/XXXX,  when I first talked to the credit card company to activate the card, and XX/XX/XXXX,  statements show that more than $ XXXX was spent on the card, surpassing the understood $ XXXX over 3-months offer to receive XXXX XXXX XXXX XXXX miles, but I did n't receive the miles. ( During this period all billing statements were paid promptly and in good faith to the original offer. ) At every touch point with XXXX credit card services for the XXXX XXXX XXXX card -- from application, to activation, to payment and follow-up -- I received either misinformation or contradictory and misleading information. I also had to speak to multiple people, only to be told at every corner that there was " nothing that could be done '' to receive the benefits of the original offer and that " no one at company '' could help me. <P/>In sum, I would simply like to receive the original benefits promised, otherwise noting that the customer experience at Chase credit card services is designed to mislead customers. <P/>Chase 's XXXX XXXX XXXX card 's annual membership fee is {$450.00}, but it falls far short of the standards of my XXXX XXXX XXXX XXXX card services, which has the same annual membership fee.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Debt collection (Auto debt) with Hiday & Ricke, P.A. (FL).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: I refinanced a car via XXXX XXXX. The financing went through a company called XXXX XXXX XXXX XXXX. The car was reprocessed several years later under the agreement late payments could be made and accepted. They reprocessed it and would not return it even with back due payment offered. They sold it without notification. And now the collection agency they have hired to harrass Hiday and Ricke are claiming they are filing a case against me. The group is called Hiday & Ricke PA attorneys at law XXXX XXXX XXXX, XXXX, FL XXXX. They have bombarded me with phone calls and paperwork for over a year now. The repossession was done almost 2 years ago. They send people from a place called XXXX XXXX to beat on our doors late at night and scare us I have a XXXX son they have scared to death on numerous occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2016 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (MI).
Issue: Deposits and withdrawals

Complaint: On XX/XX/2016 I checked my Huntington account and noticed XXXX charges of {$25.00} which I did not make. Also I noticed on XX/XX/2016 I had XXXX late charges of {$37.00} when I had money in account and did n't have any purchase.. I called to get charges which were unauthorized and the phone customer service person who gave her name as XXXX for customer service number XXXX at XXXX said I have to send in documentation to remove unauthorized account for complaint number given to me XXXX XX/XX/XXXX. I also asked for email documentation of my request to remove unauthorized items and XXXX first said they would sent me email verification but did n't then said it would take 45 days to correct iten not ten as she said before. Huntington continues to remove monies from my account without my authorization. They continue to charge me late fees without cause and the only way you can now contact have phone operators who refuse to provide fixes to errors and do n't correct errors and false charges on account. Also I received a notice that people have had unauthorized access to my account checking my balance without my permission, denied by Huntington customer service rep. XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-01-2015 about Mortgage (Conventional fixed mortgage) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Application, originator, mortgage broker

Complaint: We prequalified for a loan with Lender. Lender quoted several different interest rates over 3 days discussion. Lender committed to being able to close within 30 days. On this premise we signed a contract. On Friday, XXXX, I wanted to look the loan. The lender again quoted several rates and XXXX different PMI payments. When I asked to have in an email, not even a GFE, the lender then gave a different rate and points quote. After ~ 2 hours on the phone, the lender then said they could n't close in lees that 45 days. I made a purchase decision on the basis the lender would be able to close in 30 days.

Company response to consumer: Closed with explanation