milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-06-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MN).
Issue: Loan servicing, payments, escrow account

Complaint: Hello, This is not the XXXX time I have submitted a complaint about OCWEN home loans but this is enough! As of right now they have people coming out to the property address and taking pictures. 
I have submitted docusments for a modification and I still havent gotten any word from them. I tried calling several times and cant understand anyone who answers the call. Its impossible to understand what they are saying except they are transferring my call and it disconnects. I have had it! Not only are they not sending us any of our information- this violates ALL consumer laws. Nothing has been sent to us except a big packet of paperwork showing they send everything to our previous address. I am not getting XXXX shred of documention. 
I requested a modification and they legally are supposed to work with us modifying before they foreclose ... however someone coming and taking pics of our property is usually a sign that a foreclosure is near- we have not been notified- or given paperwork or a chance to save our home. I am sick about this. I work for a lender and this would NEVER happen or we would have been sued over and over again. Ocwen needs to get their stuff together, I cant contact them because its a dead call and I tried to email them and got a return email. I am at a loss as I cant contact anyone and they are trying to foreclose on a home that was violated by many laws as well as RESPA- years of paperwork hasnt gotten to us.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: MY BANK OF AMERICA CREDIT CARD ( XXXX. XXXX XXXX, SHOWS ME 30 DAYS LATE IN XXXX XXXX. HOWEVER, IN MID XXXX XXXX I SUFFERED AN XXXX XXXX AND WAS IN ICU FOE 4 WEEKS, BUT TO THE BEST OF KNOWLEDGE I MAILED THE PAYMENT. I HAVE NEVER BEEN LATE ON ANY PAYMENT BEFORE OR AFTER. PLEASE ASSIST.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Ive disputed two accounts with Experian several times and they keep saying that the accounts have been verified and updated. I disp The XXXX XXXX Account because it over the statue of limitations time frame of seven years and there still reporting on my credit file. The other account with XXXX XXXX is a Hippa violation and they keep updating my account also and saying its verified but refusing to send me the necessary documentation that shows who verified what.

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 10-02-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION ().
Issue: Account opening, closing, or management

Complaint: I have a bank account with Bank of America. to transfer money between accounts, they have a {$1000.00} limit per day, unless you get a text message code, or get XXXX card. 
I have recently relocated back XXXX XXXX after living and working XXXX for a year ). During this relocation my XXXX card malfunctioned, and will not allow me to transfer money. Now that i am living outside of the United States, Bank of America will not provide me with a replacement XXXX card ( as they do not send overseas ), and I can not get phone text messages ( again due to me being outside of the United States XXXX. Due to this, I am unable to transfer my money XXXX more than {$1000.00} a day ) between accounts, and outside of the United States back home. 
As I was working in the United States for a year, I have a substantial amount in this account, that I would like to get access to. 
And to make matter worse, they have a policy of not replacing a XXXX card within 30 days of updating an address. Which I was not aware of. So after relocating to XXXX, and getting a house to live in, I updated my address, then tried to apply for the XXXX card. I was told that I need to wait for 30 days, before I can re-apply for this card. 
So, I have waited for 30 days, and have just been informed that I can not get this card at all ( unless I change my address to a friends place, wait another 30 days, then get it sent to my friends who can then forward it on to me ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Debt collection (Medical) with Peter Roberts & Associates, Inc. (MA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: i was in a auto accident on XX/XX/2014 i was taken to XXXX XXXX .This is a bill that they sent to collection. It was for XXXX & XXXX .I did call XXXX and told them that they would get paid when the case was settled, well they turn it over to Peter Roberts Assoc Inc for collection.i also talked to them and they said not to worry about it that when it got settled to contact them. It is still in my lawyers hands so It got on my credit report. I feel this should never happened I would like this matter taking off my credit report. This made my credit score go down. I always pay my bills and i`m proud to have great credit score

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/27/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I am a co-signer of a loan for my son. He is paying the normal monthly payments and I am making extra payments towards the principal. I have requested that they apply XXXX % of the extra payment to principal only and if they can not agree to that, to return my check. They applied my first payment of XXXX correctly but the second payment of XXXX on XXXX/XXXX/15 they took XXXX and applied it to interest ( even though my son 's payments are current ). I faxed them an inquiry on XXXX/XXXX/15, no response. On XXXX/XXXX/15 I emailed them through their own website requesting they reverse the XXXX and put it onto principal. To date, they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MO).
Issue: Loan servicing, payments, escrow account

Complaint: Since XXXX I have paid for our original 6.5 % mortgage. 
{$1400.00} X XXXX = {$510000.00} {$150000.00} to fleet mortgage {$360000.00} {$49000.00} to XXXX {$310000.00} {$200000.00} to XXXX {$100000.00} {$100000.00} to the modification From OUR {$52000.00} escrow we paid {$44000.00} to credit cards In XXXX XXXX we paid off all of the credit cards the escrow and all principal and interest due on the loan. We have {$220000.00} equity Plus {$47000.00} We have {$270000.00} CREDIT. NOT a {$270000.00} balance. 
I gave Ocwen written notice that I did not want any more credit and wished to close the account. I want them to release the lien. They have {$50000.00} for the 2 % interest I paid them on NOTHING. 

RELEASE my LEIN

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Credit card () with U.S. BANCORP (MN).
Issue: Rewards

Complaint: My husband and I applied for the USBank Visa FlexPerks card under the XXXX promotion this past XX/XX/XXXX but have been denied the incentive FlexPerks points. We applied online on XX/XX/XXXX after having previously ( within a couple of days, if not even the day of our application ) talked on the phone with a cardmember service/customer representative who informed us, after our explicit inquiry, that we were definitely eligible for the promotion. After not receiving the points, we inquired as to why. The response from USBank was that we did not apply using a particular promotion link. When we on the phone with the USBank representative, we were not directed to use such a link. Even so, we did click through the dedicated promotional page, if not the promotional link, to find and fill out the credit card application. 
USBank 's argument was that the company often has multiple promotions running at once and that they would not be able to say for sure that we applied under the XXXX promotion. However, we applied during the designated timeframe for the XXXX promotion and have a call on record indicating our intent to apply for that card. After requesting that cardmember services pull the call we placed prior to our application, the cardmember service manager refused to take action by reviewing the call because it " was n't associated with the particular credit card account. '' It 's upsetting that they will not pull the call, which will clearly indicate that we intended to apply for this specific promotion ( and that we subsequently did apply for the card through which the promotion was offered ) even though my husband and I have two other cards with the bank, and my husband has been a USBank customer for some-20 years and, as such, our call would be accessible, if only associated with a different card or the account more generally.

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 05/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have been battling with a few old student loan collections that should n't have been reported as such because I was not out of school and servicer knew that and did n't communicate to other departments. This balance was handled with a new transfer, and I had disputed with the credit bureaus, and they either did n't investigate, or they did but did n't update and remove the collections. Through Equifax, they even  have  XXXX  of my collections listed as " medical ''?? but they " verified it,    XXXX    '' and there was a " key derogatory '' that showed  XXXX  times in 2016 ev en though this account was handled years prior. Very odd and this is keeping me from buying a house. I 've attached letters and info. Thank you so much for helping

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with North Shore Agency, LLC (DE).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Keep getting collection letters for NY XXXX magazine I never ever had or subscribed to.. by collector called XXXX XXXX XXXX XXXX " NORTH SHORE AGENCY '' - XXXX. When you call there is no answer, just " click here to pay '' ..

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Dear Credit Reporting Bureaus : I have been monitoring my credit scores weekly for about two years now and I am " stumped '' at the constant fluctuation in my FICO score from week to week. Thus, I have had to break down and purchase XXXX at {$20.00} per month just to try to protect myself further. Monitoring my credit scores and constantly having to fix them is taking a significant amount of time out of my life. This should never be! 

I have a complaint about your FICO score calculations and the fact that there is no " explanation '' as to the CONSTANT fluctuation in my score every week. 
On XXXX XXXX, I checked my FICO score and it was XXXX. Within one week ( today ), my FICO score dropped XXXX points with XXXX ... XXXX points with Equifax ... and XXXX points with XXXX. When I viewed my credit report, I saw that I had done nothing wrong. I continue to obtain credit offers with lower interest rates, I am never denied credit, and I pay my payments on-time with all of my new accounts. 
Since you credit reporting agencies hold so much " power '' over a person 's life ( their FICO score determines if they can buy a house, buy a car, rent an apartment, get a job, and various other " life issues '' I INSIST on a detailed, specific, verifiable explanation as to WHY my scores dropped from each of you. Since your agencies actually assigns a NUMBER which determines whether a person has " very poor '' credit ... '' poor '' " fair '' " good '' and then " excellent '' credit, there must be a certain " MATH '' that you use for each point. I demand to know the math - long form, that you have used to drop my scores. 
I have requested this about 1 1/2 year ago and was given a vague, ambiguous answer by credit reporting agencies that are authorized by the government to assign these FICO scores. This is NOT ACCEPTABLE!!!! 
Since your calculation can keep me from buying a car, home, or even rent a simple apartment. Since you have SO MUCH control over my life ... because of the FICO score that YOU determine. I want to know " specifically '' WHY my score has dropped with detailed explanation. 
When such serious responsibility is given to an organization, then ACCOUNTABILITY is required. 
So, to XXXX ... please tell me why you dropped my score by XXXX points within one week? 
To Equifax ... please tell me why you dropped my score by XXXX points within one week? 
To XXXX ... please tell me why you dropped my score by XXXX points within one week. 
Please take responsibility by being " vigilant '' when an outsider attempts to provide information to assure that it is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Dear CFPB, I 'm submitting this second complaint which is a continuation of the previous complaint Case number : XXXX which is now in progress. I need to tell you that Equifax is not being correct in their procedures under the FCRA. I sent official color copies of my passport and personal identification along with the issue regarding the incorrect XXXX XXXX account showing in my Equifax file. 

As you are well aware, federal law requires them to respond within 30 days. It has now been over that period ( 45 days ) since the receipt of my letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies is a serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Obviously, I am maintaining detailed records of all my correspondence with you. They are essentially now taking 75 days which is not acceptable. I have proof from XXXX and XXXX who did diligent investigations and corrected the information with 30 days as I sent the same letter to all XXXX agencies at the same time! 

The other issue is that I was a victim of ID theft and 7 months ago sent them the police report and FTC affidavit. After spending 7 months of clearing this up I also sent letters to all XXXX agencies to remove the credit freeze and fraud statement so my files are clean. Again Equifax has not followed through on this either! I 'm going to go to federal court if they do n't get their act together.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MD).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: bought XXXX XXXX in XXXX. loan is thru Chrysler capital and serviced by bank santander. 
they changed accepting payments with my credit card in XXXX and now accept ach payments. 
can not use their web site to schedule payment or payments after repeated calls to them. 
they will get back to me and never do. last spoke to supervisor XXXX on XXXX and we agreed on XXXX hours to get back to me. never heard from him. I have payment due on the XXXX of the month and have to remember on the XXXX to call them to authorize by phone. this is unacceptable to me and feel they want me to pay the loan off due to the XXXX % rate. can not plan in advance, they make it difficult so that I give up. that ai n't gon na happen!

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Mortgage (Conventional home mortgage) with BANCO SANTANDER PUERTO RICO (PR).
Issue: Struggling to pay mortgage

Complaint: During the XXXX storm I was told that I did not have to make 3 months worth of mortgage payment to alleviate with the conditions faced in Puerto Rico and that these 23 months will be added to the end of the Mortgage life. Upon month 4 I received information noting that I was required to make the 3 month mortgage pmt and the current month mortgage payment or I will be faced with potential foreclosure. I am a senior who lost everything and live on a fix income. I felt mislead by the Bank by the offer made to me with misleading information. I have tried to come to an agreement with the bank and was not able to resolve my issue. XXXX XXXX in XXXX Puerto Rico.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Application, originator, mortgage broker

Complaint: Dear Sir, This complaint is against Nationstar Mortgage the servicing dept. I was told by Nationstar that I should participate in their HARP loan program, where my loan originally was a interest only loan that turned into a fully index loan with PITI. The payment through me out of Budget, so Nationstar stated the best option was the HARP Program. Enclosed is the email stating that I was approved, and I would be skipping a payment the date was XXXX/XXXX/15, on the week of my closing I get an email that I 'm was not approved. I thought that something was wrong because the communication checking to see what is going on had stop. I kept going to voice mail for XXXX days. The loan office on this deal plus the processor could not be reach, on XXXX/XXXX/15 I got the enclosed email telling me that I was not approved. I told them since this file is with Nationstar can you take it to the modification dept. personally since you quoted the wrong rate, a teaser, XXXX I told them that I had a problem paying the original loan payment and I reached out for help and they suggested this program. I am now going to be in foreclosure if this problem is not corrected. I need someone from their management to look into this. The loan number is XXXX, borrower is XXXX XXXX. This like a switch and bait after the client does everything in their power to give them what Nationstar ask for. The companies hide behind the automatic systems and voice mail system, it takes a strong consumer to fight through this so that it can be justice.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (IL).
Issue: Unauthorized transactions/trans. issues

Complaint: Upon the direction of a BlueBird customer service rep. we deposited {$120.00} into a XXXX ATM with expectations of it being deposited onto our BlueBird card.After doing so we were instructed that is not an option.We contacted XXXX to have this issue resolved and they instructed us that we need to have BlueBird open an ATM dispute, so we did. BlueBird has told us that they are not willing to help, we have the phone conversations recorded.BlueBird has refused to help us file a dispute to regain the money their representative is responsible for us losing and has ignored all our requests to resolve.We faxed the documents they requested from us, a description of the issue and time and date and have fax confirmation.They asked if we had a copy of the receipt, upon us telling them we do n't have XXXX they insisted on a receipt as a way to pass blame. We have make no less than XXXX phone calls to BlueBird which is a part of American Express and sent XXXX faxes to them and they refuse to help in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I moved in XXXX to a new apartment. Since my current internet service XXXX XXXX XXXX XXXX was not available at the new location, I paid off my what I thought was my last XXXX XXXX XXXX XXXX XXXX and canceled my service. A year later, in XXXX, I had to move again. This time I could n't qualify for my new apartment due to a bad credit rating from XXXX XXXX XXXX XXXX! Instead of mailing the bill to me, XXXX XXXX XXXX had sent me to collections for {$86.00}. I had no idea that the bill even existed. I had changed my address with USPS and I received other bills/correspondence in the mail at my new address, but XXXX XXXX XXXX never attempted to contact me. I was able to pay the {$86.00} and get a print out showing proof I had paid it off and I did get the new apartment. It is now XXXX, and I am moving again and what shows up on my credit report? A collections entry for XXXX XXXX XXXX still! I have my bill conformation from XXXX XXXX XXXX as proof I paid it off. I want it off my credit report!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/18/2015 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Dear sir/madam, as I was going through my credit report on Experian, XXXX and XXXX, I noticed a negative report on my credit. The negative report was from a Company called XXXX. First I have never had any account with XXXX .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX or any of it affiliates. I DO N'T EVEN KNOW WHAT KIND OF BUSSINESS THEY OFFERI am requesting that XXXX or any of their affiliates should remove such negative statement from my credit reportI ATTACHED A COPY OF MY UTILITY BILL AS A PROOF

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief