milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/29/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Trouble during payment process

Complaint: Mortgage payments sent to Ocwen Loan Servicing every month on time via XXXX Payments are for two  homes so two checks are ALWSYS in the envelope Ocwen will process one check and not another sporadically No notification sent about missing payments Last payment sent XXXX 2016 returned stating that it is not sufficient to bring the account current Ocwen filed foreclosure on XXXX XXXX 2016 They dragged their feet on the paperwork until the last minute had to file for bankruptcy to avoid the foreclosure They claimed they could not change the foreclosure date One home was offered modification and I applied for modification in the other and it was denied I gave a chapter XXXX hearing on XX/XX/XXXX. Ocwen never notified us for three years they never got a payment. I gave copies of all checks sent to them. I have proof they only cashed some and not all. They hide behind their XXXX employees who do not have a clue. Finally spoke with someone in the US and she could not care one bit stating they denied the modification because they could not reduce the loan amount by 20 % and they are nit mortgage lenders only processors I asked to speak with the underwriters or who is in charge and that was denied Their attorneys do not care. I sent them a package via XXXX with copies of all checks sent to them. They have not returned one check or processed the payments they received. I have tried to work through this with attorneys and all I end up with is filing bankruptcy This home is in Georgia

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (WV).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was an authorized used on a Cabelas credit card, the owner of this card asked that I be removed as an authorized user and told the owner that they would update all 3 credit reports. This has not been done and this is still being shown on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: XXXX, XXXX, Transunion, have been reporting incorrect items on my credit which my family and I tremendous turmoil and hardship. I have submitted a total of 3 letter disputing the issue including submitting court documents reassuring my claims to no vial. 
enclosed, please find letters with supporting documents previously sent to the companies above.

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 01-06-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: My name is XXXX XXXX, and I am the widow XXXX XXXX XXXX XXXX as well as the executor of his estate and rightful heir to our property in XXXX New Jersey. I am contacting you because our mortgage company Ocwen has not given us the opportunity to resolve our delinquent payments and is moving to foreclose on this home instead of working with me towards a modification or payment arrangement. My husband and I bought this home in 1996 and made payments as agreed for nearly FIFTEEN YEARS. After my husband passed away I had major health issues and ended up unable to meet my financial obligations and fell behind on the mortgage payment. 

I began trying to work things out with Ocwen by applying for a loan modification but have failed to make any progress. Our current interest rate is 7.75 % -- when we bought the house the interest rate was at 12 %. Our mortgage lender has collected a large amount of interest over the last 15 years, and XXXX would think they would be more willing to try and resolve this issue with me instead of moving to aggressively foreclose. 

Our financial circumstances have changed since we first applied for assistance. My daughter is living with us and contributing and we also have a boarder who pays a monthly rent. I am currently in review for XXXX benefits and expect that to be approved shortly, which will really help us out financially. My issue is that we are struggling and have a true financial problem and yet Ocwen has not been able to offer any possible solutions. I am aware that Ocwen received billions in government bailout money. I also am aware that Ocwen was fined by the government for unethical foreclosure practices. 

I am not asking for a handout, and I realize that we are very delinquent on our loan. But I also know that our lender has collected 15 years ' worth of payments and our balance is very low while our interest rate is very high. I believe that are many options to restructure this loan and put late payments back into the balance or defer them through a forbearance agreement. At this time Ocwen refuses to accept a mortgage payment and have told me the only option is to make a lump sum payment of the full past due amount. I just ca n't do that right now, but I desperately want to save my home and resume making monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Debt collection (Payday loan) with Bliksum, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am approximately 1 week late on a loan from Loan Me and they have consistently called me at least 6 to 8 times per day since XXXX XXXX from various phone numbers. I have emailed their representative advising him that I lost my job and need some time to contact them by the end if next week to make a payment arrangement. These collection calls are very aggressive and predatory. 
I do not know how to stop them from calling my phone all day and night!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Debt collection (Other debt) with Harvard Collections, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: There is a collection that just appeared on my credit file that is unknown and I believe does n't belong to me. I need to have this matter resolved ASAP. I sent in a dispute but nothing received back. 

Harvard Collection # XXXX for {$140.00} Please help

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Credit card () with CITIBANK, N.A. (NC).
Issue: Payoff process

Complaint: Macys is reporting that I have a {$1700.00} debt with them on my credit report. I have been contacting them for months to resolved this matter, but they will not allow me to make a payment. Despite that, they refuse to take the account off of my credit report, essentially holding my credit report hostage. I have been trying to buy house for months, but this Macy 's account continues to prevent me from moving forward with a mortgage application.

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 07-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I 've requested via online disputes as well as calling the credit bureaus to delete two incorrect and out dated address that are listed on my report. I in turn reach out to the said creditor to make sure they have my correct information and requested they update their records and they have assured me they have done so but the credit bureaus insists on still reporting the wrong info, please have them delete this incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have repeatedly asked for validation of this debt from XXXX yet never received paper work showing that I had a signed contract with them as well as what all the charges are for. When view results keep saying that it remains.

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 05/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (CA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I ha ve   XXXX    account s   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX    American Express    XXXX   XXXX    But on my report they show only  XXXX  accounts and that 's the r eason my score went low

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (AR).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold to Ocwen. I had to file bankruptcy in XX/XX/XXXX in order to keep my house. There were areas of accounting that I could not prove, but I have been keeping betters records. My bankruptcy was discharged in XX/XX/XXXX. Ocwen kept telling me that my account was in active bankruptcy. I had to call and call and I could not get anyone at Ocwen to do anything about it. Ocwen finally did an " audit of my account in XXXX of this year. Ocwen has claimed that sine XX/XX/XXXX I was a month behind on payments. I have a report from them dated XXXX XXXX that showed I made a payment every month until XX/XX/XXXX and I have bank statements that show payments every month through XXXX XXXX. Ocwen shows on their website and at the reporting credit bureaus that I have missed XXXX payment during the last year. I HAVE NOT!!! They refuse to correct the credit report. Ocwen has added insurance to my account and under bankruptcy they opened an escrow account for the insurance. XXXX billed the payment to Ocwen and as of XX/XX/XXXX I have paid the full premium for the insurance. I now have a positive balance in the amount of {$2.00}. Now Ocwen wants to add approximately {$230.00} per month to my payment for insurance that I do not even owe. I have faxed and mailed a letter stating that I am closing the escrow account since I am no longer in bankruptcy and that I will be paying my own insurance. They in effect are trying to robbing me out of {$1500.00}. I have seen lawsuits for each of these reasons stated in this complaint. I have tried to contact the research department, the escrow department, and supervisors that can speak in a language I can understand. I would like to know what else I can do or who else I can contact. I fear they are again not following proper financial standards and are trying to take my house again using fraudulent practices.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The State of Alabama incorrectly filed a XX/XX/XXXX lien against us in XXXX County, Alabama. After determining that our appeal was justified, they rescinded the lien back to its effective date of XXXX. Both XXXX and XXXX have repeatedly refused to acknowledge the lien as rescinded and have filed the lien as " Paid, Released. '' They plan to continue the documentation on our file until XX/XX/XXXX. This erroneous designation is negatively affecting our credit report, our credit score and our ability to secure a home loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Credit determination

Complaint: I once had a credit card from capital one which i had paid off and i was never late the account was established since XX/XX/XXXX i was never given the opportunity for an unsecured credit card the account went in-active so in XX/XX/XXXX of this year i was applying for another secured credit card of which i was talked in to applying for an unsecured card after they company looked at the account. I explained to the supervisor that i was a victim of identity fraud and my score was low and they said not to look at that because i was a great longstanding customer and when i applied as they suggested me to i was turned down so i recently submitted another application for another secured credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2018 about Debt collection (Mortgage debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: We received a REINSTATEMENT CALCULATION letter on XX/XX/XXXX. We sent payment on XX/XX/XXXXovernight via certified mail and return receipt. The return receipt indicates that payment over $ 17K was received on XX/XX/XXXX.

We have called XXXX three times on different days always leaving a voicemail to the account manager at ext. XXXX.

As of today, we have not received any confirmation from Bank of America, N.A., that the payment has been posted to Account Number XXXX.

We made the payment under duress before the foreclosure sale as indicated in the attached letter. We were never previously notified that that there was a " foreclosure sale ''. We do not understand.

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 01/31/2017 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (TN).
Issue: Managing the loan or lease

Complaint: This issue I have may be completely legal, bit if it is something has to change- the consumer is getting XXXX and probably not realizing it!! 
I have an auto loan with Ally Financial. I lost my job in XXXX and could n't make my car pmt on time, so I called them and asked what they could do to help me so I would n't get a late history on file along with the fees. They had an immediate offer to assist me. It involved making a partial payment which amounted to the interest portion of my car pmt, and I would then pay the remainder at the time my next pmt was due. They would then move the next o mt due to the end of the loan. I specifically asked was there any charge for this help, and they said absolutely not- and my credit would not be impacted. So, I get to the balance of XXXX pmt due date and go onlune to make that portion of my payment ... .where I find whilet looking at payment history that my principal balance barely changed even tho I just paid them {$490.00}. My normal amout of a given payment is approx {$340.00} principal and {$140.00} interest, but For this month it is showing {$51.00} going to principal and {$440.00} for interest!!!!! 
I called for an explanation and for nothing more than " that is a result of the arrangement you made last month. The reas in for the additional interest is simply the extra time involved in receiving your payment. 
Had they explained this scenaruo to me when I asked them for clarification last month about what additional cost would be involved I would never in a million years agreed to do what I did. 
I have an XXXX, and the difference between a normal intwrest portion of my car payment of {$140.00} and the {$440.00} charge for processing it based on delaying them getting dull payment for 30 days boggles my mind!!! 
If this is legal they should have told me about the additional interest cost when I asked them last month to clarify any additional cost other than moving one payment to the back of the loan- which in itself I relied would cost me additional interest on that money until th e account was paid in full. I 'm sure I 'm not the first person to ask for a banks help on making a loan payment, but maybe the first to actually see what affect it had on my principal balance of my car loan. How on earth can this be legal?? 
XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX PS..here are the exact numbers from my loan account with Ally : Payment on XXXX/XXXX/XXXX .... {$140.00} interest charge .... {$140.00} Payment made on XXXX/XXXX/XXXX ... {$340.00} intere as t charge ... {$260.00}, so total interest charge for the month was {$310.00}!!!!!! 

The previous month shows my normal payment of {$490.00} - interest of $ XXXX principal pmt was {$310.00} Do I need an attorney, or can someone in your organization help explain how this is possible?

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 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OR).
Issue: Problem with fraud alerts or security freezes

Complaint: According to XXXX XXXX, I was identified as being compromised in recent security breach. Since that breach the following suddenly appeared on my XXXX credit report and affecting my credit score.

1 ) XXXX suddenly froze my credit file since breach for no reason. Credit file reads " Credit File Status File Blocked For Promotional Purposes ''. I never asked or requested my credit file to be frozen. I need help with removing this wrong credit file as blocked.

2 ) XXXX reports says " payroll is payroll deductible '' which is an obsolete comment entry. Obsoloete since XXXX 2011. 

3 ) XXXX XXXX ( CLOSED ) - a ) reports as charge off in Comments 1 when it was sold to third party.

b ) Comments 2 reports : " payment is payroll deductible ''.

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 06/22/2017 about Student loan (Private student loan) with SLM CORPORATION (AR).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I contacted Sallie Mae customer service via chat about different payment plans. They told me forebearance was the only option. I asked for additional information and they said they do not offer any other adjustments to payment plans at this time. I told them of my co-signer and I 's financial difficulty and they said forebearance was the only option.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I refinanced my car loan with XXXX. Previously I had a couple personal loans with them as well, they were fine, no problems. This loan 's not being properly reported to credit bureaus. They report it only to XXXX. Not Trans Union, not XXXX have any information about this loan, which is hurting my credit score. I tried to contact XXXX XXXX 's customer service by the phone and via mail. In the past 6 months I've made about 4-5 phone calls. The last one was about a month ago. Every time they say, that they'll look into it. I also mailed a letter about a couple months ago to the address on the back of the statement ( the one they say to use, if credit reporting is incorrect ). A couple weeks ago they sent me an email asking to write a review on their website, which I did. I gave them 2 stars out of 5 and explained the situation. Thought it might attract their attention. All they did is blocked my review and sent me another email, saying that the review did not meet they guidelines.

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 02/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NJ).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: Lost my card and got new credit cards. Once I activated them, I was unable to access my old account to settle my balances. Balance was due in 5 days. Customer service rep in XXXX told me to wait 5 days as it would take that much time to transfer everything over. I did not want to wait to give them my money. Asked for supervisor, and they transferred me to XXXX XXXX to a man name XXXX. XXXX also could not help and refused to give me the name of his supervisor. I simply want to pay my bill in full and close out my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/16/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MI).
Issue: Settlement process and costs

Complaint: I refinanced under the HARP program through Well Fargo and I feel that it is a very deceiving program. I have been trying to trying to get a lower interest rate and was turned down several times. I also was refused a 15 year mortgage and was told that I was not qualified. Under the HARP program I was told that I qualified for a 4 % interest rate and my monthly mortgage would reduce by {$60.00} and that I did not qualify for a 15 year mortgage. I also explained to Well Fargo that my unit owners insurance was always personally paid by me and was never included in my mortgage. I was told by Wells Fargo that I could do anything that I wanted to once I finalized the remortgage. ( 1 ) I was charged over {$4000.00} in closing cost, ( 2 ) Wells Fargo refused to let me continue paying my own unit owners insurance, ( 3 ) My mortgage payment was never lowered. I also contacted Wells Fargo with my concerns, they were very nasty and rude. And I was told that there were certain criteria I had to meet. I explained that my unit owners insurance changed from XXXX XXXX to XXXX and they sent a check to XXXX XXXX anyway. As of XXXX XXXX, 2016 I received another letter from Wells Fargo stating that my insurance expired on XXXX/XXXX/2016 and they were going to purchase insurance for me. I have made several attempts to get through to the Wells Fargo insurance division with no success. They are refusing to correct the error and recognize my current unit owners insurance through XXXX. I feel that the refinance under the HARP program is nothing but a scam for the mortgage companies. Wells Fargo will do anything that they can to make money for themselves and not the consumer. I have never missed a mortgage payment and this is how I am treated. If I had of known that Wells Fargo was scaming their good paying customers, I would have never refinanced under the HARP program.

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