milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/17/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I am XXXX yrs old and retired and my wife is XXXX yrs old and retired. 
We have lived in our home for XXXX years, raised our XXXX children here, and were enjoying relaxing in our declining years and playing with our precious grandchildren. 
In addition to this home and others we have owned during our working careers - we never missed any of our XXXX monthly payments for our various mortgages. 
In XXXX, XXXX American Home Mortgage Servicing , Inc. provided a loan modification giving us a new 40 year loan. 
In XXXX, XXXX Ocwen took over the loan. 
In XXXX, XXXX Ocwen added inspection fees to our monthly statementIn XXXX, XXXX Ocwen added more property inspection fees plus certified mail chargesIn XXXX, XXXX Ocwen added late payment fees and property valuation fees We disputed these adjustment to our contract and continued to provide the regular contract specified monthly payments. In XXXX, XXXX Ocwen Research Dept provided these details of our account from XXXX, XXXX through XXXX, XXXX : Property Valuation Fees - $ XXXXXXXXCertified Mail - $ XXXXXXXXLate Charge Fees - $ XXXXXXXXPrior Services Fees - $ XXXXXXXXProperty Inspection Fees - $ XXXXXXXXThroughout the ensuing months we have attempted to resolve this issue but Ocwen subjected us to these unkind tactics : - XXXX of phone calls ( at times up to XXXX per day ) - callers were from many countries outside the USA and never transferred our calls to a knowledgeable person at their US office. 
- callers would never have answers to our questions but insisted they needed payment- Ocwen issued additional charges for late payment penalty, property inspections, and other new charges not identified or explained. 
- Ocwen ruined our credit scores resulting in much higher interest rates when financing our purchases such as a new car. 
- Ocwen issued several " Default notices ''. 
- Ocwen has returned the last several of our loan payment checks in order to drive our amount past due up many XXXX of dollars. Seems this tactic was used to scare us and subsequently to justify foreclosure which was ominously mentioned in every letter- Now, last week, Ocwen has hired an attorney who has threatened foreclosure within 30 days. 

The stress caused by Ocwen over the past XXXX years XXXX. A XXXX, Ocwen 's harassment, lie 's, threats, failure to conduct business affairs in anything like fair treatment has brought my wife and I to a state of constant worry, fear, and total inability to either enjoy or even survive whatever days remain for us. 
I ask for your investigation of this company and hope you can bring us peace of mind by helping us to straighten out this situation and stop the foreclosure proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: Lender is foreclosing on my home XXXX/XXXX/16. I have not received notices until XXXX/XXXX/16 as I was living with a friend temporarily and notices were not forwarded -- for over 6 months. Post office registered my new address, but documents did not reach me. They are now going to send me a modification pkg, but need 37 BUSINESS DAYS to review it, yet foreclosure is in less than 30 days! I need foreclosure delayed, postponed or canceled so I can complete required paperwork on their end. The lender told me their ATTORNEY was the one to contact to postpone foreclosure, and the ATTORNEY told me the LENDER has to be the one to postpone foreclosure. 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 06/30/2016 about Debt collection (Medical) with Penn Credit Corporation (PA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Penn credit reported a new debt without contacting me directly. I would have asked for verification per law, and if verified paid it in full before it was added to credit report. I have never been contacted by this collection company for this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (WI).
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: Synchrony Bank, XXXX XXXX, XXXX, FL XXXX is as of XX/XX/2018 charging me {$64.00} in late fees and {$2.00} in interest for nonpayment of a disputed charge for {$74.00} bringing the total they claim I owe on my closed account to {$140.00}. The same day I saw the {$74.00} charge ( pending ) I contacted Synchrony Bank to dispute the charge and was advised to contact the merchant. I immediately contacted the merchant and was told I could not have any information on the charge because I was not authorized on the account. I recontacted Synchrony Bank with the results and was told I could do nothing until the charge cleared and then I could dispute the charge so I immediately closed the account and paid all but the disputed charge amount. Once the charge posted I mailed a dispute ; I received a non-favorable decision and called in a second dispute ; I received a second non-favorable decision. The charge in question was made from an account of an ex-roommate that had been an authorized user on my Synchrony Bank credit card but who I had unauthorized when she moved well prior to the disputed charge of {$74.00} and whom I had no contact with to resolve the issue. For this reason I claimed and continue to claim the charge was not authorized ; that I was denied power to stop the processing of the charge by the merchant, claiming I was not authorized on the account, and Synchrony Bank who would not take any action on the pending charge. This is clearly an unauthorized charge and I am being harassed and intimidated with huge late fees to coerce payment.

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 10/14/2017 about Debt collection (Medical debt) with Consumer Adjustment Company Incorporated (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was involved in an accident on XX/XX/XXXX2017. I was transported in an ambulance and was admitted in XXXX XXXX XXXX XXXX. The accident was covered under Workers Compensation XXXX XXXX XXXX XXXX XXXX and also my personal Insurance XXXX. The case was settled and all bills due have been paid. I informed the XXXX XXXX XXXX who treated me that its a workers compensation and to contact my lawyer.
Though the case has been settled and all bills paid I dont understand why i am being harrassed for this little amount and CACI keep sending letters over and over. They reported to my credit agency dropping my credit score drastically. This has prevented me from getting any credit card now. 

As note I sure want to add that XXXX XXXX XXXX staff members did not treat me well. I was diagnoised with XXXX and i XXXX XXXX XXXX XXXX XXXX XXXX they gave me. Though I informed the nurse it was there for couple of hours before someone cleaned it up. The phone was also not working for me to call my family members and inform them about the accident. 

Please do needful to stop this harrassment on injured worker.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I recently obtained a mortgage on a parcel of land and an existing house thru Quicken Loans. The land is part of a subdivision and tax information wo n't be available until the next tax roll assessment. Until that assessment is complete, I pay out of pocket to the original owner of all of the parcels, my share of the taxes. What Quicken is doing however is forcing me to make Escrow payments equal to the tax of all of the parcels knowing that the amount is incorrect and significantly overstated. What I am told is that absent having the specific amount for my parcel, they can collect the amount of all of the parcels. And yes they know this is in error and acknowledge that it is in error. That defies all logic.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Vehicle loan or lease (Loan) with U.S. BANCORP (OK).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: The response I received states that US Bank does n't have my loan. However, I received a letter in the mail, which indicates that US Bank will not provide a response, because the address on record is incorrect. This is extremely frustrating, as I clearly provided everything US Bank needed to respond to my complaint within my prior inquiry and received a push off. Again, I have detailed my concerns below and EXPECT TO RECEIVE A RESPONSE. I have NOW updated my address, therefore, US BANK is required to provide me a response. They hold the loan to my vehicle! I am also considering forwarding this matter to the appropriate regulatory bodies for escalation. 

I have attempted to obtain an understanding of the delinquent balance I owe, concerning my vehicle loan with US Bank, however, have had difficulty obtaining a clear distinction. I emailed US Bank requesting a complete payment history effective with the date I obtain the vehicle loan, as well as, an explanation as to how my payments have applied. The response I received was partially helpful, as the representative attempted to explain to me, when my grace period was, and the amount of the late charge I would receive if the payment is not remitted by the date due. I however did not receive a copy of my payment history to assess the application of my funds. When I responded, advising that the email did not convey any information I did n't already know, I requested supporting documentation to validate that fee 's are applied prior to the application of my payments towards ( P & I ). Again, I received a reply which did not provide me a copy of my payment history, rather I was advised I would be charged a {$25.00} fee to obtain a complete copy of my payment history. This is absurd to charge a consumer {$25.00} for a copy of there payment history when I am making an effort to understand the balance I owe, and resolve my delinquency. 

I have now went online, and was able to search the transaction history on my loan ( attached ) which revealed the application of my payments. Its absurd how the email response representatives, as referenced above, could nor provide me direction on how to obtain the transaction history online, rather reverted with illogical responses and went straight to charging me a fee to provide a copy of my payment history! 

I have been charged {$480.00} in late charges! Of this amount, I have paid ( estimated ) {$240.00} towards that balance! Based off my online account, my current past due balance is {$670.00}, which I believe consist of {$440.00} for the XX/XX/XXXX, 2017 monthly installment and remaining balance of {$230.00} late charges.

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 06/24/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Deposits and withdrawals

Complaint: I was charged an overdraft fee on XXXX/XXXX/16 and my account was never negative. I had XXXX or XXXX transactions on hold that were pending and they did not clear that night and yet I was charged {$35.00}. I also had a direct deposit come in and still I was charged. I logged into my account and talked to a representative and she is saying that even though a charge is pending they will charge an overdraft fee even if it does not clear and, y account was not negative. This is robbery!!! How can I be held accountable for something that has NOT cleared and may not even go through, it might just be a hold. Bank of America did not do this in the past and now they are. They have not informed customers of this change. They rep informed me that in the internal system it should the available balance was less because of the holds but on what the customer sees on the online banking the account is at a positive and is current. They can not deceive customers like this!

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 12-01-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: my husband and I are currently applying for a modification and we have left several messages for our assigned representative and his supervisor ... XXXX and a XXXX. we have not heard back from wither of them. I spoke to the collections dept who assured me that they would be in contact with us and neither of us have received a call. we have n't been denied or approved and the foreclosure process has started. I still have n't been able to get someone to call us back and we 've faxed in all the requested docs

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My husband and I both work in qualifying public service positions making XXXX qualifying payments, and were on the IBR repayment program until recently. We switched to REPAYE to lower our monthly payments for the remainder of the time we have to make XXXX qualifying payments. 

We were told that the process would involve our loans being temporarily placed on forbearance, during which time we would need to make $ 5 monthly payments. After that time, we would start making payments at the rate determined by our REPAYE eligibility. 

His experience went as described, though the time between his last forbearance payment and the first REPAYE payment was not a full month. 

My experience did not go this way. My loans were taken off IBR, then placed on forbearance as described. My forbearance ended XXXX/XXXX/16, right after I made a {$5.00} payment. My account said I had a full payment of {$260.00} due XXXX/XXXX/16 - not the REPAYE payment I was told would be due ( per a letter on XXXX/XXXX/16 would be {$53.00} starting XXXX/XXXX/16 ). One PHEAA staffer told me on the phone last Friday that the showing of the {$260.00} was to let me know what my full payment would be if I chose to opt out of REPAYE and that I could ignore it. An email from a XXXX stated otherwise, indicating that if I did not make the payment, it would go to collections, and other problems would ensue. 

I hope my payment due XXXX is truly for XXXX as their XXXX letter states, and that this is the last of our issues with PHEAA, but I just do n't trust them and want CFPB and the public to know to be on the lookout. I hope CFPB can pressure PHEAA to be more consistent with keeping their word, and less apt to make mistakes like this that can put borrowers in an undue hardship. 

Thankfully, my husband has done his research, and read many stories of scenarios like this happening with PHEAA and other servicers, and planned accordingly. He had bad experiences with XXXX XXXX before refinancing with PHEAA, and his process of refinancing went very poorly due to inconsistent communication from PHEAA, so he was on the lookout. We made the {$260.00} payment, though it will be a few days late but it should be well within our grace period. This is in an effort to avoid the account going to collections. Others facing this may not be so lucky. 

Thank you for looking into this issue, and please warn other borrowers to watch these student loan servicers like hawks - assuming they will make mistakes ( intentionally or not ) so borrowers can be prepared to deal with it when it finally happens - which seems like an inevitability.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: Exquifax REFUSES TO REMOVE extended Fraud alert. I have notified this company that I did not authorize them to put any kind of fraud alert on my credit file. They are XXXX off because I keep challenging information on my credit file. They are determined to try to hurt me from obtaining credit. This company is on the verge of getting sued by me. This is the 4th time this year they have put a fraud alert on my credit file and I am sick of it. They are NOT doing their job and they are breaking the law. This needs to stop and they need to be sued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/13/2015 about Mortgage (Home equity loan or line of credit) with U.S. BANCORP (KY).
Issue: Loan modification,collection,foreclosure

Complaint: Name : XXXX XXXXBank : US BankLoan # : XXXX filed bankruptcy in XX/XX/XXXX. Part of that was a XXXX mortgage ( equity line ) on my home at XXXX XXXX XXXX XXXX, XXXX XXXX KY. I am now in a pre-foreclosure status with that home. I have been working with my Primary Lender, XXXX, and they had approved a short sale. We sent in a settlement request to US bank for the XXXX lien on XX/XX/XXXX with no return calls. We have called over XXXX times with no answers. Finally we got in touch with someone and they have told us the timeline and the buyer I have will no longer be able to purchase. I Need US Bank to escalate and settle my request once and for all QUICKLY in order for me to sell my house through the approved short sale process. THEY are our ONLY hold up! 
We have had a buyer under contract this entire time over XXXX MONTHS. However, due to the delays with US Bank, our contract and short sale fell through and expired. I am going to lose my home to foreclosure and my credit beyond repair due to US Banks delays.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Ref : GAP VISA/SYNCHRONY BANK TEL : XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT HOLDER : XXXX XXXX ADDITIONAL CARD HOLDER : XXXX XXXX Dear sir/madam, this is the 3rd time with-in two years ; some one used our credit card. 
Last some one used our card {$1900.00} on on XXXX/XXXX/2016 XXXX XXXX & XXXX XXXX # XXXX XXXX MD ALL of unauthorized used affected our credit report. 
Specially my Husband 's report ( XXXX XXXX SS # *********** Would you be kind enough to help us? 

Thanks XXXX XXXX XXXX, XXXX XXXX # XXXX XXXX NY 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 08-11-2016 about Credit card () with SYNCHRONY FINANCIAL (MI).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I bought a pair of jeans at j c penny on XXXX XXXX and they asked me if I wanted to apply for a credit card. I said NO. on XXXX XXXX, I was notified I had a hard hit on my credit because I applied for a credit card at XXXX. I called them and dispusted it, XXXX XXXX is looking into it. Then I called the main store directly and was told the employees get perks for having people apply for credit cards. I want this hard hit off my credit and that person fired and charged with fraud. Completely illegal and wrong. I have a witness and receipt. 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 non-monetary relief
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I refinance my house with XXXX XXXX they paid off my loan on XXXX XXXX XXXX XXXX XXXX credited my account on XXXX XXXX XXXX XXXX XXXX reported me late for XXXX but XXXX made sure they had there check on the XXXX of XXXX I want this late payment removed from 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 12/14/2015 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Chexsystem continues to report information on my Consumer Report after being notified its a result of ID theft and in violation of my request to block that information under FCRA Section 605B and 623 ( a ) ( 6 ). They responded that it was validated but how can an account that is NOT MINE and a result of ID Theft be validated????? I have never had a bank account in my entire life and use a payroll card for all my bills and finances.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2016 about Debt collection (Credit card) with CITIBANK, N.A. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Hello. 

This account was paid in full. 
An arrangement between the lawyer and myself. 
Last week call the attorney to file a complaint Because that still keep it as debt collection {$150.00} He replied that it had been a mistake I was going to erase that negative report. 
This appears in XXXX Report. 
XXXX XXXX Original Creditor Citibank n.a . 
Open Date XXXX XXXX, XXXX Balance {$150.00} Collection Debt {$150.00} XXXX XXXX XXXX This appears in my bank report. 
XXXX/XXXX/XXXX XXXX * GA {$370.00} I need your help please. 
Kind Regards 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 01-08-2018 about Student loan (Federal student loan servicing) with ECMC Group, Inc. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: Falsely created account and false amount owed ... to collection agency " XXXX '' ... 
XX/XX/XXXX..received letter from " XXXX '' stating the amount owed is the correct amount ... this is not true, since " XXXX XXXX '' received payments of {$6600.00} and {$5100.00} in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: They would try to agressively collect money from me over the phone. I paid them all of the money I owed. They would n't work with the repayment arrangement and I have derogatory information on my credit report.

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