milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/22/2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Trouble during payment process

Complaint: First, I would like to thank you for assisting with my first complaint # XXXX about OCWEN LOAN SERVICING LLC. Next, I want to open a new complaint because I sent them an QWR on XX/XX/XXXX and they responded to myself and CFPB by electronic mail on XX/XX/XXXX. And yes while OCWEN did send out a response to both of us, so that would be complying to Section 2605 ( e ) of the Real Estate Settlement Procedures Act ( RESPA ) which requires that they respond to " qualified written requests '', they again did not send me the information that was requested by me. They sent out a response to us stating that my concern was addressed to them on XX/XX/XXXX and that according to them my concern was with the Law Offices of XXXX XXXX which was never a question to OCWEN when I was writing them asking them for information at all. This information that OCWEN sent to you is false. OCWEN again is still not doing business in the State of Maryland by the rules, and that is why the State of Maryland is not letting the do business in this state. According to all of the information that I am receiving, I am not sure where my payments are going, but reading the information on the case file that Maryland put out, the XXXX # XXXX is a part of this paperwork and it looks like my money is going somewhere but not sure to whom or where it is going. And also I found out by an Real Estate Agent that this alleged loan was put in for 50 years which was revealed through a credit report they he pulled, this is something that OCWEN did not disclose to me. The things in my first QWR that I asked them for were not furnished to me or the CFPB. They stated that they WILL NOT RESPONED TO QUESTIONS THAT DO NOT RELATE TO THE SERVICING OF THIS ACCOUNT, BUT all of the items that I asked them to show be documentation for is related only to my account. So, I would like to know how or who I need to contact to get OCWEN to get me the information that I requested in the QWR that I mailed to them via U.S. Postal Service Return Receipt on XX/XX/XXXX. The second page of my letter show the items I asked them to provide to me. Thanks for your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Bank account or service (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Account opening, closing, or management

Complaint: In XX/XX/2016, I closed my acct in person at HSBC on XXXX. Around XX/XX/XXXX I receive a note that I owe {$35.00} for overdrawing on my acct and insufficient funds. The amount allegedly overdrawn on my acct was {$45.00} - exactly what I took back from my acct upon closing it. I am XXXX. Ca n't go outside. Do n't want to talk on the phone. I have emailed them and tweeted them explaining everything. All they do is keep telling me to come in or call. Since XXXX they have taken me around in circles. All they need to do is look into it and send me a letter saying my account is closed and that I do n't owe them. I am now wondering if they even closed my acct or do they just send bills out hoping that someone wont pay attention and pay the {$35.00}. The fact that customer service ca n't help me leads me to believe that they are outsourced and are there for appearance only.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-07-2017 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (AL).
Issue: Problems caused by my funds being low

Complaint: I was charged {$72.00} on XX/XX/XXXX in NSF fee 's because XXXX items posted while another was in pending status, even though those XXXX items came into the bank first. They will charge fee 's any way possible and are not consistent about the way they post items and charge fees.

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 06/29/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (IL).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: My complaint is about unfair charges. I purchased a printer from  Bestbuy Store on    XXXX   XXXX ,  2017 , using a store visa card issued by Citi Bank, for the amount of {$190.00}. The store never sent me a bill through email or paper until  XXXX / XXXX / 2017 . The balance becomes {$280.0 0}!, thi s amount includes the printer price + late fee charge + store interest from  XXXX  to  XXXX . There is no alert letter sent to me either. I made a phone call for inquiring. After a long conversation with the  manager  of the customer finance service, he agreeed to lower the bill to {$240.00}! He insisted that he could not reverse to the original balance and also stated that the customer still had to be responsible for the overdue charge  ( {$48.00}. ) It 's very frustrated and unjustified to hear him repeated his word. The store ob viously uses a dirty technique to rip off the customer like me for extra charges since no bill has come to me for 2 months. Please investigate and thanks for your attention.

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 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been contacting Equifax, XXXX and XXXX since XXXX XXXX, 2017. My information has been compromised as a result of the security breach. I have place fraud alerts on my reports to avoid any more fraud usage on my report. Someone is still using my identity and have been applying for credit under my name and social I have spoken with several employees in regards to this matter and I have been told that there is nothing that can be done to help me. I have sent in Police reports, documents showing that I was incarcerated during the time of most inquiries, a complaint letter from the fcra and there is no resolution, I am continuously being told they have not received my information. I sent all documents by fax, upload, certified mail and they will not help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/30/2016 about Mortgage (FHA mortgage) with LoanCare, LLC (WV).
Issue: Loan servicing, payments, escrow account

Complaint: Loancare processed a payment that was sent by the Equity accelerator program directly towards my principal and not my monthly payment for XXXX 2016. On XXXX/XXXX/2016, I received notice that my payment was late. The statement was from XXXX/XXXX/2016 but I did not receive it until XXXX/XXXX/16. I never received any other correspondence regarding any late payments. I called immediately and spoke to a woman and explained that the payment on XXXX/XXXX/2016 was incorrectly applied. She said that it would be reversed. I am currently trying to close on my FHA streamline and we were supposed to close as of XXXX/XXXX/2016. My loan is currently showing late, and I have tried to speak with a supervisor or someone in a department to get this done today. The call center reps are rude and uncaring and refused to let me speak with their supervisor. This company has the worst customer service I have ever experienced in my life and they are currently interfering with my families livelihood because they will interrupt the FHA Streamline process and will make me late on a payment. I am completely appalled at the service they provide, especially when you can only speak with a rude call center rep who will not give you any 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 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from 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 non-monetary relief
Consumer complaint received 06-04-2017 about Payday loan, title loan, or personal loan (Title loan) with Atlas Capital, Inc. (CA).
Issue: Charged fees or interest you didn't expect

Complaint: I was told by lender that they will lower my interest rate after making 4 payments on the {$25000.00} loan I made with them. After paying over {$6600.00} in 4 payments they did the refi and the contract still stated {$25000.00} as the loan amount. To date I have paid them the {$25000.00} and over {$20000.00} in interest. This loan should be paid in full as my understanding was the refi was for 24 months but I am being told that there is another 12 months left. If you are not able to get this situation resolved, I will be making a claim with the Attorney Generals Office and filing a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I currently owe on XXXX separate student loans totaling over {$100000.00} dollars. I would like to pay XXXX loan off at a time, so that more money can go to the principal. I think I would have more success actually paying them off. This is not available. I 'm told I must pay on all my loans simultaneously contributing about {$20.00} to the principal monthly and the rest goes to interest. This XXXX, my payments will increase to {$700.00} a month. I will have no choice but to defer my payments because I am also told they can not be any lower according to the payment plan. Eventually, my payments will grow {$1100.00} a month! I need help with a monthly payment that is affordable. I ca n't be in deferment forever, while the loans continue to collect interest.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Debt collection (Credit card) with SQUARETWO FINANCIAL CORPORATION (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I 'm trying to refinance my home and I was told I have a judgement against the property. No idea., I have lost so much since the housing meltdown. My business and property and lost my job. 
Finally have a job underpay. I have so much going on., now this cach LLC sue me claim they serve me., which is not true. 
Now XXXX told me they ca n't continue till the judgment is clear. I do n't know What to do., they file the judgment XX/XX/XXXX. I believe it was charge off by XXXX XX/XX/XXXX/XX/XX/XXXX Please help me

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 12/17/2015 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Problems caused by my funds being low

Complaint: Description of the complaint I had several transactions process overnight same time as my payroll deposited. XXXX transaction was a XXXX withdrawl it was XXXX transaction that was split into XXXX total debits as each item shipped. This resulted in a total of {$180.00} in fees for {$140.00} worth of purchases. My account was never in the negative that I saw as it all posted at the same time when I looked at my account in the morning this occured everything seemed fine. Later that morning {$180.00} in fees were pending. I called and spoke with XXXX who told me my direct deposit should negate the fees and cause them to fall from a pending state and no one could help me until they posted and that the manager would do everything to help me tomorrow. Called next day was told XXXX the manager would call me back in 15 minutes 3 hours later no call back i called him. he finally returned my call and said that they will only waive {$74.00} a year. I explained that XXXX of the charged were of the result of XXXX transaction offered to provide proof. he said it was out of his hands he didnt have authority he would have district manager call me. the next day XXXX called and said he was acting as rep. of the bank the district manager would not be calling me and they would not be waiving any fees. 1. How can they charge me {$37.00} 4 times on XXXX transaction, and refuse to even look at the documenttaion. 2. If a direct deposit and charges both post at midnight the account was never in the negative state. 3.Is there no limit as to what they can charge and under what circumstance? 3. additionaly while I am adressing issues they have been randonly charging me XXXX per account per month on what is suppossed to be free military accounts and i have called several times they waive and " fix '' it then randomly again I am charged these fees.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX is reporting on my credit reports after it was agreed upon to pay and delete. This debt was paid in 2016 and still showing on my credit reports.

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 12-05-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NV).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: They have not VALIDATED this claimed debt they are attempting to collect from me pursuant to FDCPA. Company claims to have purchased the debt but does n't offer any proof the purchased debt was VALID and MINE. No written agreement, no signature, no verification at all. 
Please remove this trade line from all credit bureau reports you have reported to as it is hindering my ability to obtain credit. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (GA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I refinanced my mortgage with Freedom Mortgage on X/X/16. It was never disclosed to me my previous escrow balance would be used to pay down my current mortgage. Furthermore I specified to my representative I did not want my escrow used to pay down my loan, nor did I sign anything authorizing this action. I was assured this would not happen. Three months after my refinance, I realized my mortgage had gone up substantially. When I called to find out why, Freedom Mortgage explained to me they charged my account for a shortage in my escrow account and raised my monthly mortgage payment to cover the shortage. After further research, I discovered Freedom mortgage did use my escrow to pay my loan down. I have reached out to Freedom Mortgage several times to address the matter with no resolution.

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 05/17/2016 about Debt collection (Mortgage) with OCWEN LOAN SERVICING LLC (NC).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Last week we contacted Ocwen regarding the account and the status of an upcoming foreclosure sale. The customer service rep for Ocwen stated that there was no sale pending and that information was being reviewed on a notice to correct an error. The representative talked about is going online to complete modification paperwork. When we went to Ocwen online we found that Ocwen already had some type of workout plan under review. I setup another appointment with a relationship manager to check the status of any workout or alternative to foreclosure that was under review by Ocwen. The scheduled appointment was held at XXXX today XXXX XXXX, 2016. The relationship manager stated that there was no pending sale and that modification documents would be sent out. Prior to the XXXX meeting the law office representing the trustee sent an email at XXXX stating that they were informed by Ocwen to proceed with the sale scheduled for Friday XXXX XXXX, 2016 at XXXX. While on the phone with Ocwen, I was not aware that the attorney had emailed a conflicting status. Ocwen has not responded to the notice to correct the error that was sent around XXXX XXXX 2016. Ocwen did send a letter stating that they will respond to the notice. Also Ocwen did not provide the status of what they reviewing as an alternative to foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (IL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I called the company last week after repeated phone calls at all hours of the day - many before   XXXX   XXXX  .     They told me what the debt was and I said that I had no instance of this being something I owed - it was for service I never had. They told me to submit a letter arguing the debt. Which was a week ago today on  XXXX  when this phone call happened.     Today I got a concerned phone call from my mother saying they had called at the specific number looking for me. A few weeks ago I received a call from my uncle saying that the company was looking for me as well.     I do n't have the phone records tonight from my mother, but I can get her those as well as those of my uncle who also received harassing calls. And I will gladly publish mine - including my calls to them.     And the names of all that I spoke with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-11-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: . I paid ERC on XX/XX/XXXX with my XXXX secured Visa for an XXXX bill from XXXX. The account details are noted in the settlement letter from ERC. XXXX is not accepting the settlement of the debt and wants the remainder of the bill paid. XXXX XXXX XXXX acknowledged today that the debt was sold to ERC. ERC is saying the account is closed and settled However, ERC said on XX/XX/XXXX that XXXX XXXX XXXX does not have to accept the settlement. That was not my understanding from settling the account. All calls with ERC are said to have been recorded. Since the settlement of the debt did not clear the debt, I believe that ERC and XXXX XXXX XXXX have acted fraudulently in obtaining the {$280.00} payment as settlement and not settling. I have also asked my credit card provider, XXXX, to dispute the purchase.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 05/16/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (WA).
Issue: Account opening, closing, or management

Complaint: I was told I was eligible for a XXXX XXXX XXXX bonus on a new CitiXXXX checking account if I completed certain requirements within 60 days, so I signed up in XXXX of 2015. All requirements were met, which was confirmed with them repeatedly. They collected monthly fees in the amount of {$30.00}, and then when it came time to provide the bonus, I was told I was not eligible and that I would not be getting the bonus. I have tried to escalate this repeatedly with Citi customer service, promotions department, etc, even going as far as showing them proof that I was told I was targeted. It is ridiculous that Citi is allowed to get away with such blatant deceptive marketing practices, and then to collect monthly fees on top of it. I have spent over 15 hours trying to straighten this out, but have now given up hope. I think that Citi should be held accountable for their actions though. I hope that the CFPB can protect consumers from Citi 's deceptive practices in the future. If my complaint helps at all in preventing XXXX other person from signing up for their misleading promotions, then I will be glad.

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