milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-04-2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Application, originator, mortgage broker

Complaint: Lawsuits will include the following1. Predatory lending in XXXX. Extortion from XXXX through present asking for more money than that was supposed to be3. Claiming from XXXX through XXXX I was not eligible for a government we modification when in fact I was4. Fraudulently given an in-house loan instead of the requested and approved government loan5. Monies were transferred from XXXX home mortgage which were incorrectly forwarded to XXXX residential and should 've been returned to me which never were6. Tens of thousands of dollars sent in as payments monthly payments which never were posted and reposted to principalLoan which originated into XXXX at {$150000.00} now double {$300000.00} even though I made 20 years of payments. fraud and corruption and extortion

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Mortgage (Other mortgage) with Seterus, Inc. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: We sent in a package for the borrower on XXXX/XXXX/2015 to be reviewed for all modification options, XXXX, in-house, etc. Apparently, on XXXX/XXXX/2015, the borrower received an offer for a streamline trial modification with payments that were 49 % of the borrower 's gross monthly income. I, the Housing Counselor, was told that the borrower needed to accept or deny the offer, and would IN THE MEANTIME be reviewed for other options since they had the application on file. The borrower " failed '' the trial mod., because she chose to, and did n't make a payment, with the understanding that she was being reviewed for a more affordable option. I spoke to XXXX XXXX at Seterus, Inc. on XXXX/XXXX/2015 who said the application was received on XXXX/XXXX/2015 and they expected a decision to be made withing 30 days because file was UNDER REVIEW for XXXX and nothing was needed at this time. I was told on XXXX/XXXX/2015 that they had requested a reinstatement letter and no paperwork was needed and that they were waiting for approval. They told me to check back in in a week. I called today and spoke to a XXXX XXXX. He said that they show that no modification was being reviewed for currently and that the client failed the trial mod. YES, the client failed the mod. because she CHOSE to. It was UNAFFORDABLE. He said that he did see a package for XXXX, but it was n't being reviewed, and that I should call back in a week while they " update their screens '' and start to review the file. As far as we knew, the file was complete and being reviewed for XXXX. Also, there is NO single point of contact at Seterus, Inc. You call and speak to a different person each time and there has been no single person communicating with the borrower or working on the file, at least that we have been made aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (PA).
Issue: Trouble during payment process

Complaint: I was having payment discussion with my mortgage servicer in XX/XX/XXXX about setting up payment arrangement to catch up our mortgage from the late fee 's that had accumulated on our account. Seterus which is the servicer. I spoke with a representative from Seterus by the name of XXXX. We set up a payment arrangement on XX/XX/XXXX for the months of XX/XX/XXXX and XX/XX/XXXX to pay a certain amount and it would catch the account up including all late fee 's. At the time of conversation, I had also made the XX/XX/XXXX payment of XXXX XXXX. Seterus sent a letter XX/XX/XXXX with the agreement which the dates and amounts were wrong, and showing an amount for XX/XX/XXXX. on XX/XX/XXXX I spoke with XXXX again and told her I was unable to adhere to that arrangement and that I would not be able to pay my XX/XX/XXXX mortgage payment until XX/XX/XXXX. I told her I would call her to make the payment and set up new arrangement or a payment plan for XX/XX/XXXX and XX/XX/XXXX. She asked me if I could make a payment on XX/XX/XXXX, which I told her I was not sure I could do that, and I would call to let her know at that time. Never in our conversations did I authorize a auto-withdraw on my checking account. XX/XX/XXXX Seterus unlawfully withdrew {$2200.00} from my bank account without my authorization. I contacted them and told them they needed to send notification to the bank that day ( Friday XX/XX/XXXX ) and stop the withdraw that was showing in " Pending status '' The representative said that they could not do that and that it is too late. They stated I could go through the process of dispute which I would have to pay a wire service to have the funds wired back into my account, when they unlawfully withdrew the funds. I stated to the representative I wanted proof ( today XX/XX/XXXX ) sent to me that I authorized such a withdraw. He never answered the question and invaded it. They would not send the notification over to the bank stopping the withdraw. So in essence they refused to send it knowing they unlawfully withdrew the funds.
I have consulted with an Attorney and he advised that the first step is to file with the Consumer Finance Protection Agency. Representation will be obtained officially after this complaint has been answered, and a possible civil law suit could ensue.
I have also filed a complaint with BBB I have also filed a police report.
The Pennsylvania Attorney Generals office will also be contacted.

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 06/27/2017 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 information incorrect

Complaint: In XXXX of 2011, I received a letter from XXXX XXXX XXXX XXXX ( XXXX ) indicating that my ( current/never late ) vehicle loan was being amortized due to my credit card ( delinquent and late due to loss of employment ) account since my credit card had not been paid. At the time, I inquired how this could happen when my car payments were on time/never late, even after relocating out of the country ( my car payments were transferred online from XXXX XXXX to XXXX ). I was told that due to my credit card being delinquent, I would have to refinance my car loan with another company as there was nothing else they could do despite the loan NEVER being late. Fast forward after my second return to the states, the vehicle was repossessed and sold. <P/>I never received a ledger for this account, nor any bill of sale information to determine how much this vehicle was sold for and how much was applied to the balance. This loan also included GAP insurance and other financial protections that I paid an additional {$70.00} a month for, and none of the benefits from those protections were applied to the " remaining balance '' after selling the vehicle. <P/>While reviewing my credit reports, I noticed that late payment dates occur on this account where the account was never late ; additionally, I personally have witnessed how the " Account Balance '' on the account magically changes from {$2800.00} to {$4400.00} and back again EACH time I file a dispute with the three credit bureaus to have the correct information reporting about this account.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Bank account or service (Checking account) with BNY MELLON, NATIONAL ASSOCIATION (MN).
Issue: Making/receiving payments, sending money

Complaint: There has been a unathorized transactions that occured on my account, I reported this trasaction promply, however the bank did not address this trasaction even though I completed all of the claim forms. I am a victim of fraud and have provided a police report as well. 
XXXX/XXXX/2015 DEBIT CARD PURCHASE XXXX XXXX XXXX XXXX MN ( Cash ) - {$1500.00} XXXX/XXXX/2015 DEBIT CARD PURCHASE XXXX XXXX XXXX XXXX MN ( Cash ) - {$1500.00} XXXX/XXXX/2015 DEBIT CARD PURCHASE XXXX XXXX XXXX XXXX MN ( Cash ) - {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Credit reporting () with Perfection Collection (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I am writing to inform you that Perfection Collection LLC has placed information on my credit file even though I had disputed them within 30 days. They are a third party debt collector and I have not contract of agreement with them. They continue to report the negative information on my file as if I have a current account with them. The account was sold to them in XX/XX/2009, and was discharged in a Chapter XXXX filing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ME).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I submitted a request for a free credit score in mid to late fall XXXX. When I received no reply, I submitted a second request on XX/XX/XXXX. Both times I included the requested copies of my Social Security card and driver 's license to verify my identity. To date, I still have not received any reply or a copy of my credit report. I contacted the reporting company ( Equifax ) via telephone on XX/XX/XXXX and was told no such request was on file and I should submit a third request, with supporting documents, to Equifax 's Dispute Dept. The customer service representative I spoke to was unable to provide any information on previous requests or how I could ensure my third request would be entered into their 'file. ' I found him unhelpful. A third request was faxed to Equifax on XX/XX/XXXX. Any assistance you can provide in ensuring I obtain a copy of my credit report would be appreciated. I am aware there are discrepancies on my credit report but can not address them without an actual copy of the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CT).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Mortgage is trying to collect {$1800.00} in Escrow Debts instead of {$1700.00}, and {$100.00} in overcharge.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX XXXX we took out a 15 year mortgage of $ XXXXXXXX4.875 % annual interest rate. The lender bank was XXXX sold and the current lender is PNC Mortgage. 

180 monthly payments were {$2900.00} plus current local realty taxes of {$670.00} = $ XXXX/month. We have a current principal balance of approximately {$120000.00}. BUT we missed XXXX payment in XXXX XXXX. Ever since, PNC has assessed us a late charge of {$140.00} each month. PNC is demanding a total of {$8100.00} ( {$7300.00} for XXXX monthly payments and {$660.00} late charges. [ I know this does not add up ] ) before we can put our mortgage on an even keel. 

PNC refuses to consider extending the term by XXXX month to XXXX XXXX, which makes is impossible for us to catch up. 

Is the CFPB able to help us?

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I submitted a complaint on CFPB that Bank of America reported a hard inquiry on my credit file without my consent. Bank of America decided to remove the hard inquiry in question, except they never actually did! It 's been 2 months since they sent me the letter stating they would remove the inquiry, but as of today 's report, the inquiry has not been removed.

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 08-02-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (AZ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: For two years, Portfolio Recovery Associates has attempted to collect a debt for an account that we believe to contain inaccuracies. In those phone calls made to us, our attempts to clarify info made the the representatives become more and more aggressive. The caller in some cases would scream, " So, are you refusing to pay this debt!! '' repeatedly. I feel that that was an attempt to trap us into making some verbal agreement or binding statement. After several calls like this and their references to taking legal action, my husband and I considered getting the matter behind us by agreeing to settle the account, but every call since then has stalled because of Portfolio Recovery 's refusal to send a written agreement. 

Their position was that payment was necessary before their representatives had the ability to print out, e-mail or request any kind of written request. Often, the collectors ' demeanor degraded from that point when we insisted on a written agreement before making a payment. We believe this collector had no intention of following through with discharging the debt as paid. I believe their intention was to restart the statute of limitation on this debt and/or sell the debt to another collector after recovering a certain amount. We believe these practices to be unfair and deceptive. 

It 's been two years and Portfolio Recovery has yet to file a law suit against us, which leads me to believe that our account had not been sent to a litigation department. 

I called one last time on XXXX XXXX, 2016 to confirm their position in regards to refusing to make a written agreement before receiving payment and to clarify account info. The call was recorded and is uploaded with this complaint. The call reflects their refusal to make a written agreement without receiving some kind of payment first. Additionally, I made attempts to clarify info about the debt and its validity, but the representative asked whether I was in fact asking for a " validation letter ''. As a layman to these matters, her reaction to that request gave me the impression that asking for a validation letter somehow had derogatory consequences for me or would cause a sequence of events that perhaps would force Portfolio Recovery to escalate their actions in this matter. So, I declined that request. As I understand, one has a right to their collection information, but because of their fear tactics, I hesitated asking for more info. Again, we believe these to be unfair and deceptive practices. 

I later spoke with a gentlemen that offered to email or send a " courtesy letter '' about our account. At the end of the call I reminded him that I would in fact like to receive that courtesy letter giving us information about this collection, but as of this date, we have not received anything via mail or email. 

At this point, we feel that our only recourse is to contact an attorney.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I ordered my credit report from chex systems and I disputed the things that I did n't authorized and they sent me a letter back on XXXX/XXXX/2017 stating that everything in my report was correct. I am so sick of these credit report people telling you what 's right and what 's wrong. Please show me where I applied for credit, or gave someone written permission to run my credit. This is why I have a fraud alert on my credit report. These companies are not doing there job and it ; s sad that anyone has to keep calling or writing them for them to remove this. What person you know would let a company run there credit 10 times knowing that there not going to be approved. This makes no since. I want these company 's removed from my report. Or send me proof in writing that I aloud them to pull my credit on my behave. These companies claim to have ran my credit on behave of someone else. Which is not true and how can anyone else run your credit on behave of someone else. I would think that I would have to give permission to both companies if this is true. I also know that hen these so called companies ran my report they used the name XXXX XXXX like everyone else has been doing that is not my name. Thee only reason Chex systems has my correct name is because I sent them a copy of my license and social security card to update my information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Experian Information Solutions Inc. (OH).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I am receiving phone calls from a company that shows up on the caller ID as XXXX XXXX. The phone number is XXXX. They called on XX/XX/17. Unfortunately, my caller ID doesnt go back far enough to see the other dates. I get calls these very frequently and would like for it to stop. I have asked them on numerous occasions to take me off of the call list and to leave me alone. The last time, I asked the representative if she understood that a fine could be leveled against the company for calling someone on the do not call list and she hung up on me. I get several calls in a day from telemarketing services and I feel that the DNCL and associated laws are not working. Please help correct this issue. Thank you.

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 06-06-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Make payments above minimum, supposed to apply to principal, as I write on the stub every time. Nelnet does not apply extra to principal and simply extends the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Debt collection (Credit card) with Law Office of Harris & Zide (AZ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was sued by XXXX XXXX XXXX for a debt that is well over 7 yrs old and which they kept alive by making small amounts of payments like {$15.00} and reporting that they were made by me and I have asked XXXX XXXX to send me proof of my debt he replied that I would be getting all documents showing my debt. Well I not only never received this documents he never send me a summons for the levy and I did not know until I was checking my balances on line and the bank received the court order on the XXXX of XXXX and on the XXXX of XXXX they were forced to release {$3000.00} in the mean time I was going crazy because I did not know what to do ..I called XXXX XXXX and informed him that these funds were from XXXX and XXXX, XXXX XXXX ask me if I could prove that so I faxed him a copy of my bank statement which shows prove of deposit. He then tell me that they would not take the funds because of the state and federal laws, So he that tell me to call him again on Friday the XXXX and that he was going to have the funds release back to me. Well he never attempted to refund those funds and while he was asking me about an address in California were they thought I was living all corresponded was no doubt going to that house in California he was also not truthful about who I owed this money to because and when this account was open which was back in XX/XX/1998 if its the XXXX I looked up after he told me it was household finance I recall this account and it had been closed out and paid and my credit report will show when it was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2017 about Debt collection (Other debt) with EQUIFAX, INC. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Equifax continuously reports accounts on my credit report that are n't accurate. XXXX XXXX XXXX XXXX has sent over information stating that the account should be deleted. They have also contacted the CFPB stating that the accounts will be removed from my credit report but Equifax continues to report it when it turns affect my credit report. I 'm not sure why Equifax continues to do this with my credit file. The next step will be to file a law suit against Equifax seeing as though they dont follow through correctly with my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I rented a unit at XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, CA XXXX beginning in XXXX 2016. The term of lease was from XX/XX/XXXX-XX/XX/2016. I had my final moveout inspection XX/XX/XXXX, and the business was made aware that I would not be renewing my contract. The inspection was fine, and we signed paperwork indicating no damages. XXXX XXXX was the last day of the contract. I paid my XX/XX/XXXX rent and made sure my balance was at {$0.00} at the end of the month. On or about XXXX XXXX, 2016, I received a notice from bill collectors indicating I owed {$580.00}. I called the office and they indicated that I did n't owe anything and my balance was at {$0.00}. I then went to the complex to meet with the bookkeeper, XXXX ( XXXX ). She stated that technical error had caused me to be billed for XX/XX/XXXX, even though they knew I was no longer living there. She also indicated that she would call headquarters and call me the next day with the problem resolved. She also stated she would make sure the bill collectors were aware that the notice to them was in error. She gave me a printout showing that in their system, they had corrected their mistake. We have repeatedly called and emailed since then, and have not been given any notice that the problem is resolved. We also called XXXX XXXX XXXX, that manages the apartment, but there is no working number to reach a live person. Moreover, I received a call this morning from the bill collectors ( IQ Data ) who stated that they had not been given any other information from the management to indicate this was a mistake on their part. They stated even though I sent in a dispute, they did not need verification from the business that the debt was really owed, in violation of my rights under the Fair Debt Collection Act. They stated this will affect my credit, and I should pay the bill and try to get a refund later. I refused. Finally, I have not been refunded my security deposit and it has been 30 days since I have moved out.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation