milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/28/2018 about Mortgage (Home equity loan or line of credit (HELOC)) with OCWEN LOAN SERVICING LLC (MD).
Issue: Struggling to pay mortgage

Complaint: THIS IS NOT A DUPLICATE COMPLAINT This is a new complaint written on XX/XX/2018 addressing Ocwen Loan Servicing 's illegal attempt to sell my home scheduled for XX/XX/2018. 

For the seventh time, Ocwen Loan Servicing is attempting to illegally sell MY home. I have had to file previous complaints to address the previous six illegal attempts of this entity to sell my property. Once again, Ocwen Loan Servicing is in gross and blatant violation of CFPB regulations, federal and state law, and a consent judgment governing their behavior. What is it going to take to stop the illegal behavior of this entity? 
We have been struggling to have our mortgage modified with Ocwen Loan Servicing for a number of years now. We have always qualified easily for a modification, but this company has done everything they can do to avoid modifying the mortgage. They have instead continually attempted to foreclose on us illegally, in clear violation of CFPB regulations. Because of a consent judgment against Ocwen Loan Servicing, this company is required to follow a very specific modification process and they are required to modify the mortgage. Ocwen Loan Servicing is completely out of control and we desperately need protection against their endless unlawful attacks. It is likely that the activities of this company are negatively affecting many Americans. 

Specifically, through their haphazard implementation of a fictitious modification process, Ocwen has continually disregarded numerous provisions of the Home Affordable Modification Program ( HAMP ) enacted under the Troubled Asset Relief Program ( TARP provision of the Emergency Economic Stabilization Act of 2008, Pub.L. No. 110- 343 ; 122 Stat. 3765 ; 12 U.S. C. 5201, 5211-5241 ; 5219 ( a ) ), Regulation X, 12 C.F.R. 1024.41 ( g ) and ( j ), Regulation X 1024.35 ( b ) ( 10 ) and other laws over and over again. 

In addition to the modification problems, they have also been dual-tracking me by continually attempting to foreclose on me while I have been in the active modification process the whole time. We clearly and easily qualify for a modification, and these people know that. Blatantly attempting to foreclose on and steal the home of someone who clearly qualifies for a mandatory modification is a grossly criminal act. This complaint should be referred to the appropriate authorities for criminal prosecution.

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 10/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Continental Finance Company, LLC (AZ).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: I received my XXXX XXXX credit card : XXXX, when I called to activate the card, I was informed by a Continental Finance Represenative that she couldnt activate my card because my new phone number wasnt listed on the account, and it was their policy if your old phone number changed and you didnt have your new phone number on the account when you first applied for the credit card, then you have to apply for the credit card again. Thats illegal. They also charged me finance fees for a credit card they wont activate and I cant use. Thats also unlawful.

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 01/26/2016 about Credit reporting () with EQUIFAX, INC. (AR).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: A hard inquire was made to equifax from a company called XXXX I disputed. equifax states that the information is correct and advises me to contact XXXX office to get more information .I contacted XXXX ( AKA ) XXXX they advised they had no record of the inquire and refuses to send me a letter of proof that i in fact did not authorize or request this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Mortgage (Conventional fixed mortgage) with ROYAL UNITED MORTGAGE LLC (AL).
Issue: Settlement process and costs

Complaint: We started the process of a refinance with cash out on XXXX. We were told that royal united mortgage could close the loan in 7-10 day. XXXX XXXX said he was confident that we would close close to XXXX. Since that time I have been met with false promises and excuses as to why we have to push the closing back a few days. I 've had to fax them the XXXX XXXX times! After the XXXX time, I ended up going to the local IRS building to obtain the transcripts myself. Every day we were held up on some form that I had already faxed them. Every week on Monday, we were told we 'd close by friday ... Now 7-10 days has turned into almost 45 days. The customer service was stellar to begin with .... now as my frustration grows we 're being treated to annoyance and disdain. It seems like they were great until we were committed to this loan. Now I ca n't even get a straight anewer on if we 're closing with an attorney, a title company, or a notary. I just keep hearing, " no worries, we have companies that we work with regularly ''. This is just all around BAD BUSINESS!

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The below acct has been settled long time ago with XXXX. 
Portfolio Recovery has been harassing me again for this debt. 

XX/XX/XXXX Authorization to XXXX XXXX XXXX, XXXX XXXX, NY, Completed Details - {$250.00} USD Merchant : XXXX XXXX XXXX, XXXX XXXX XXXX NY, Purchase Date : XX/XX/XXXX Authorized Amount : - {$250.00} USD Authorization Date : XX/XX/XXXX Time : XXXX PDT Status : Completed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Portfolio contact : XXXX XXXX Some company called XXXX sold this already settled Debt ... .all proofs attached. 
There is also another case XXXX with CFPB ... .keeps on sending notices ... 
This has been paid by XXXX debit ... ..snapshot available ....

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Student loan (Private student loan) with ACS Education Services (CA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I have been enrolled in an income sensitive repayment plan with  ACS and  when I went to re-new, they are now informing me that i am not eligible because I make too much. Nothing has changed in my financial situation since last year and find it ridiculous that I am now unable to qualify. I also must note that for the past month an a half I have tried to communicate with them about this issue, they had done nothing, responded to none of my inquiries and all I seemed to have gotten was " your application is still being processed ''. Now that I am far behind on my payment, I call and they tell me that I do n't qualify. And now I have a  XXXX  payment which I really ca n't afford.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Credit card () with WELLS FARGO & COMPANY (CO).
Issue: Unsolicited issuance of credit card

Complaint: In 2004 I created a deposit account with Wells Fargo at a Colorado XXXX location. The account representative offered a service for an additional overdraft protection credit card with the opening of my account. I partially competed the form and decided to forgo the overdraft protection credit card and asked the form to be destroyed. After I closed my deposit account with the bank I was notified that I had unsettled account balances on a credit card I never authorized. After much back and forth with various representatives the bank had agreed to drop the card and charges which were never authorized. The issue remained as a negative account on my credit bureau for many years. After hearing the unfortunate news that this has happened to others, I wanted to share my experience that predated the recent news article regarding the creation of false accounts and I highly recommend a more thorough investigation be performed as the issue has a longer history than what is currently known.

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 12-07-2015 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Select Portfolio Servicing Inc. is my servicer. XXXX XXXX is the note holder. In XX/XX/XXXX we applied and submitted for a Loan Modification on our XXXX, Owner Occupied Home. We were granted a modification in XX/XX/XXXX. We signed and returned the modification agreement, as did our servicer. In XXXX, the servicer unilaterally attempted to change the terms of the modification. Our payment would rise and our Balloon Payment was going to rise from {$200000.00} to over {$800000.00}. We have refused to accept the change as it is NOT beneficial. Recently, Select Portfolio Servicing refused to take our payments and attempted to foreclose on the property. We have reached out to them on a constant and consistent basis. We requested a review on XX/XX/XXXX and were given a 45 day window for a resolution. It has been over 50 days and they have NOT responded in any way. They continue to add late fees even though we have been current since the modification. 
The Servicer has verbally responded that they will NOT honor the signed modification from XX/XX/XXXX, given that we did NOT accept their revised modification offer. They have NOT furnished their response in writing nor in a timely manner. We informed them that we will be filing a complaint against them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/17/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX. This Account was opened from XXXX to XXXX, of XXXX - or 2 months 2. Months Reviewed - has 10 months 3. Payment History is inaccurate and is populated through XXXX - which is impossible 4. Please verify Open Close Dates, and Months Reported for review and payment history as they are inaccurate. Equifax - Please do not delete the Pay History and orphan this account - if the account can not be repaired accurately - please delete this Tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Debt collection (Medical) with The TRAF Group (DE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Billing agency sent claim/bill to the wrong insurance company. All correspondence to me regarding this matter went to a previous address. Did n't have any knowledge of mishap until I checked my XXXX account. My insurance company advised me to have original billing agency re-submit the claim/ bill for payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (UT).
Issue: Managing the loan or lease

Complaint: In XXXX XXXX I leased a XXXX XXXX from XXXX XXXX in XXXX XXXX XXXX. The lease was financed through Ally ( formerly XXXX ). I made my payment every month and did not have XXXX late payment from XXXX. I XXXX and purchased a XXXX XXXX XXXX in XXXX XXXX. I received a letter from Ally XXXX XXXX stating I owed money on my previous XXXX for a sum of over {$1100.00}. I then received a statement stating I only owed a balance of {$540.00}. I contacted Ally and set up payment arrangements to take care of balance. I agreed to pay {$100.00} monthly payments. My XXXX payment was made in XXXX. My XXXX payment was made in XXXX. My XXXX payment was not made because I received a letter from Ally on XXXX XXXX, XXXX which advised me that my balance was paid and my debt was satisfied. My father also being a Co - signer received the same letter as I did. I stopped making the payments. Due to the letter I received I felt that my obligation had been satisfied. In XXXX XXXX, Ally sent me another statement advising me that I still owed an additional {$300.00}. Because of the letter I received from Ally I disputed this amount for several months. Ultimately, I paid the {$300.00} and Ally proceeded to report my account as a charge off to the credit bureau negatively affecting my credit rating.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-07-2015 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Hello, I have been in dispute with XXXX account on my Experian report, The accounts are as follows : XXXX XXXX XXXX XXXX # XXXX, XXXXI have filed a complaint with the CFPB regarding these account with no response from XXXX XXXX XXXX, I have attached the full communication between XXXX XXXX XXXX and myself. No validation has been provided and I want these accounts deleted from my file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: APR or interest rate

Complaint: I paid my credit card bill in full three days after the due date. I was charged interest, and then paid the next month 's bill in full before the due date. However, I was charged interest a second time despite having paid the balance in full twice.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I recently opened an account with Wells Fargo on XXXX/XXXX/XXXX. Everything went fine in the branch. I got a phone call Thursday from a rep at Wells Fargo stating they were closing my account for " business '' reasons and would not state why. Someone told me i could have some things reported on my name in XXXX. I have a report being sent to me from them now. I had been a victim of identity theft and have been trying to clean my life up since. This is just making it very difficult for me to open accounts and such. I want to be able to have my account opened with Wells Fargo and they will not provide me with information on what i need to do to correct the issue that is preventing me from having my account there. I would like to know so i can clear it up. I have police reports and everything.

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 11-10-2016 about Bank account or service (Checking account) with KEYCORP (OH).
Issue: Deposits and withdrawals

Complaint: I WAS THE EXECUTOR OF MY FATHER 'S ESTATE.A BANK ACCOUNT WAS OPENED # XXXX.I WANTED TO FIND OUT WERE THE LAST CHECK FROM THIS ACCOUNT WAS DEPOSITED.I GOT A COPY OF THE CHECK BUT THE BACK IS ILLEGIBLE.I HAVE A RIGHT TO KNOW WERE THIS CHECK WAS DEPOSITED.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Equifax has the wrong address on my file and it is messing up an auto loan. The address they have is from at least 1.5 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (VA).
Issue: Problems when you are unable to pay

Complaint: I am currently due for my XXXX XXXX payment on my vehicle. I have been receiving numerous phone calls after the seven day grace period. Yesterday I received XXXX calls back to back at XXXX, XXXX, XXXX and XXXX. I had missed those calls and they kept calling back. That is harassment! I worked collections and there are rules against constant calling and hanging up and calling back again and again!

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-11-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (AZ).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: on XXXX/XXXX/17 I was on vacations in XXXX, XXXX I attempted to withdraw in a XXXX ATM ( Non Chase ATM ) {$90.00} DLS around XXXX XXXX. The ATM stated transaction can not be completed and gave my card back, I immediately attempted to withdraw at a XXXX ATM sitting next to the XXXX ATM i was trying. it did not work either so i called Chase to see if my card had any holds because i was traveling abroad. while i called chase i noticed on my cel phone checking the bank app that the 1st transaction was pending for XXXX dls, i told the guy on the phone the ATM did not dispense any cash so chase credited my account immediately, but on XXXX the credit was reversed claiming the owner of the ATM submitted proof the transaction went through, i asked for that proof and chase did not submit a copy to me. this proof is impossible since the ATM did not dispense the cash. This is totally unfair since the ATM did not dispense the cash.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-06-2015 about Mortgage (Home equity loan or line of credit) with HSBC NORTH AMERICA HOLDINGS INC. (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I have had ongoing issues with HFC and they remain unresolved : 1. I am on a approved temporary modification and applied for a permanent modification. I have been denied even after my appeal. The reason HFC gives is my income is too high. It is the same income that they used to approve my modification in XXXX. I followed the appeal process and asked for the real reasons for denial. I was provided nothing! Just the same baseless reason of income. 
2. I requested on XXXX XXXX, XXXX a complete printout of my payment history since the inception of my loan. I requested this as I was to see how my payments have been applied. I have over {$15000.00} in deferred interest and I want to verify how that balance came to be so high. I have still as of today not received my payment history request. I have made this same request of other lenders and they provide the request within a few days with no issue. 
3. I received in the mail the other day a corrected XXXX Interest statement form from HFC. This is XXXX XXXX and they send me a corrected interest statement stating " NO INTEREST PAID IN XXXX. '' How could I have paid no interest? I am on a loan modification with a 2 % interest rate. My payments were spread between interest and principal. I have already filed my taxes and now out of the blue I get a corrected XXXX? There is no letter or explanation for this corrected tax form. 
4. Since I requested the payment history once again my account is locked. I ca n't see what I owe. I have not received a bill for XXXX XXXX. I do n't understand why when I request something my account is instantly locked? I have received no phone calls and still after 74 days not a simple payment history. I am requesting the payment history so I can have it reviewed by a professional. I do not trust that HFC has acted in a honest manner with my account. If there was nothing to be found then why does it take 74 days and counting for a payment history? Why do I receive in the mail a corrected XXXX? 
5. I have not received a bill from HFC for this month ( XXXX XXXX ). My account is locked so I ca n't view the bill and no bill has been mailed? 
6. Every dealing I have had with HFC/Beneficial/HSBC or whoever they are has been just like this. They appear to be able to do whatever they please with no regard for the consumer and what it is like to be on the receiving end of this constant, never ending harassment. 
I trust that eventually my cries for justice will be heard.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: While refinancing and paying off a mortgage from Nationstar Mortgage, they assessed late charges from a prior mortgage servicer XXXX. As they are not debt collectors only loan/mortgage servicers, they are out of their reach of collecting debts for a prior mortgage lender. The assessed late fees had no supporting documentation other than they came from XXXX, which whom they purchased the loan from. They required me to pay off the unsupported late fees before I could refinance, holding me XXXX, with the fear of rising interest rates had I not paid it off prior to my loan lock deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with Specialized Loan Servicing LLC (WI).
Issue: Trouble during payment process

Complaint: I have been trying to get notifications on what my monthly bills and fees are for over a year, but this company refuses to send me anything in the mail. When I called back on XXXX XXXX of XXXX to have this rectified, they told me I needed to submit a Periodic Statement Authorization Form. This form was then immediately filled out and sent to them via fax on XXXX XXXX XXXX.Since then I have called in repeatedly to get my balances because they still were not sending me any notifications. I asked about the notifications status and the representatives told me that it was strange that I was n't getting any statements because the form was received on XXXX XXXX. 

On XXXX/XXXX/XXXX I called in to make my monthly payment and the representative informed me that I owed an additional {$6000.00} for charges incurred earlier in the year. At this time it was the first time I heard about these charges. 

I have since asked the company to explain why these charges were incurred and also to explain why they have failed to notify of these charges even though they received my form. They sent a letter saying they never got a form from me, which is just plain false. I believe they are not being truthful about this form being received on XXXX XXXX XXXX, which would make them guilty of fraud.

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 05/18/2016 about Debt collection (Payday loan) with National Credit Adjusters, LLC (TX).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: I have not received any letters or other contact. They have indicated legal action or everything else about this. The company is not even the collection company the store indicated was the collector.I have tried to arrange a payment I can afford with in the beginning but without all of the other charges they are adding to it.The wrong company is saying they own and are calling at XXXX and after XXXX.

Company response to consumer: Closed with explanation