milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-05-2018 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: I have no idea how much I owe on a vehicle that I purchased in XX/XX/XXXX because Santander has never sent me what I would be exactly paying on my car with finance charges. I purchase the vehicle on XX/XX/XXXX for {$16000.00} before interest which is supposedly 16.95 % but I never signed anything to that effect. I can't get the company to send me a statement or allow me to access it online. I have requested a password to go online but site is still not accepting it. I have requested a breakdown of the balance due and was told my interest calculates daily so they have no way of giving me a statement of my balance. I have been paying Santander Consumer USA on this vehicle since XX/XX/XXXX payments of {$350.00} and yes due to medical, personal and job loss problems the payments where not made on time. When I went back to work in XX/XX/XXXX the balance was {$10000.00} and I started making large payments to date I have paid {$4800.00} but yet the payoff balance as of today XX/XX/XXXX is {$6100.00} up {$17.00} from XX/XX/XXXX when the payoff amount was {$6100.00}. I don't understand how I can possibly still owe {$6100.00} on a vehicle that I have been paying on for 6 years. I made a payment of {$950.00} on XX/XX/XXXX and the  payoff amount was {$7400.00} and when I made a payment of {$600.00} on XX/XX/XXXX the payoff amount was {$7500.00} up {$120.00} in a month. At this rate I will never pay this vehicle off because my payment is not decreasing it is steady increasing day by day. I will continue to make large payments to try and have this account paid by XX/XX/XXXX, not by XX/XX/XXXX like they are saying.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company is OWCEN Financial and recently my wife passed away from XXXX. Like many households my wife took care of all the bills and finances. My wife passed away on XXXX XXXX, 2015 she was quickly laid to rest and I begun the process of figuring out our bills. I contacted OWCEN around XXXX XXXX to informed them my wife had passed and our household account that was in wife name was frozen. I also informed OCWEN that I would be able to make the mortgage payment in the morning as I had to have funds transferred from another source. I paid the bill on XXXX XXXX 2015 as promised. I was informed that I would have to pay a late fee I was respectfully incensed but agreed. I was also informed that this late payment would be reported to the credit bureaus. I asked again given the nature of the situation would they reconsider not doing that and they told me there was absolutely nothing they could do. My credit at the time was XXXX. With their reporting of late payments my credit score took a dive to XXXX. Now keep in mind our other residence is finance by XXXX XXXX. Like OCWEN I went to XXXX XXXX mortgage gave them all the same documentation they made a call to their servicing center and everything was corrected and no late fee was accessed. Reliable and industry respected resources have told me that OCWEN like XXXX XXXX could have done something given the hardship. I asked XXXX to request OCWEN to reconsider and OCWEN up held their decision. It felt like a predatory type of feeling and experience when communicating with OCWEN. So I started to dig more and I now realize their deal. We had mortgage the house years back when rates where higher and before our loan was sold to OCWEN. I believe OCWEN is quick to ignore legitimate and verifiable hardship and compassion request and quick to use credit reporting practices to lock loans so they ca n't be refinanced. I 'm trying to refinance my house now and after explaining what was my situation I may be able to leave OCWEN. While sitting at my desk I XXXX " what people are saying about OCWEN '' WOW!! Not surprising what I was feeling was further confirmed. XXXX I 'm not the only person having challenges with OCWEN. I mean recent accounts as recent as this year and this month people are having serious and unfortunate experiences with OCWEN. Not to mention that CFPB has had to investigate them in the past. The way they do business is more than borderline sleeze. Not sure what but there needs to something done with OCWEN as people are losing their homes, incurring increase expenses and the customer services experience is for sure predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Tired to get a loan modification through Ocwen. My mother was put in an assisted living and my wife lost her job. After getting nowhere with Ocwen 's Off Shore call Center I wrote to Senator XXXX XXXX Office. I got a woman named XXXX XXXX who attempted to help me even she could not get anywhere with Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: NCC BUSINESS SERVICESXXXX XXXX, FL XXXXXXXXTel ( XXXX ) XXXXXXXXFax XXXXXXXXDear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify NCC BUSINESS SERVICES and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : NCC BUSINESS SERVICESor any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX, XXXXSOC SEC # XXXX DOB XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have paid off the debt to XXXX and it was sent to collections to XXXX which was paid off in full. I called XXXX myself the balance is at a XXXX balance. I checked My credit report and noticed a collection agancy names ic systems had the same amount and debt I paid off already last year. I have not revived any comminicstion from them at all. And seen it on my XXXX credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Experian Date : XXXX XXXX2017 Report # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX PA XXXX is not my address or has ever been any address of mines. Please provide document proof to me or Remove/Delete

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 07/15/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CO).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: I sent a validation letter and cease and desist to Portfolio Recovery Associates, LLC that was delivered on   XXXX   XXXX  , 2017 at   XXXX   XXXX  . I then received a call from them demanding payment on   XXXX   XXXX   2017 at  XXXX . After telling the lady on the phone that I had sent a letter to stop calling she claimed they did not receive it and continued to demand payment. I stated that the letter was sent certified mail and you should stop calling. She then said " You have to submit a request in writing to stop the calls. '' I refused to speak to them any longer and hung up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/27/2015 about Credit card () with SYNCHRONY FINANCIAL (VA).
Issue: Customer service / Customer relations

Complaint: I 'm tired of the calls from Synchrony Bank for XXXX XXXX XXXX XXXX Credit Card. I 'm unable to pay the card in the full minimum balance that keeps increasing each month. I talked to them to help in the hard ship situation but they keep calling. I WANT THE CALLS TO STOP!!! I wish I NEVER got the card. 

Apart from this month, I 've missed XXXX payment, but they make it seem as though missed so many. they give you options of amount to pay, if they do n't want me to used those optional payment amounts, why do they offer them, then they call me as though I have n't paid them. Yes, I 'm going through financial hardship at this time, but the calls are so annoying. And I feel harrassed.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2015 about Bank account or service (Cashing a check without an account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Deposits and withdrawals

Complaint: I just had the worst experience with a bank branch manager. I was trying to cash a check from my dad and XXXX who says she 's a branch manager refused the cashed the check. I told her that I would file a complaint and remember her name and instead of acting in a professional manner and controlling the situation she decides to scream out that I was a fraud in front of all the customers. I think it 's very rude, and she was speaking to me in a very very condescending manner and its very unprofessional of her that she would accuse me of fraud and not call and verify with my dad on the phone and also accuse me of a theif in front of everyone. I have no reason to steal my dad is a XXXX and does n't know XXXX and I 'm trying to help him pay his bills while these people are accusing me of fraud. She was so unprofessional I thought I was in the hood not at Bank of America. I do n't know what type of people is representing the company. 


XXXX XXXX Manager atBank of AmericaXXXX XXXX XXXX XXXX, TX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (FL).
Issue: Money was not available when promised

Complaint: My name is XXXX XXXX and I am a XXXX XXXX employee. 
I use the Western Union Online Transfer Service twice a month and I am getting charged for a service which I am not receiving for the last 4 months. 
Last year I was paying only {$7.00} for the money transfer ( up to {$2.00} ) to be delivered to XXXX in a maximum of 3 days. 
Now I am getting charged {$45.00} for an " express '' service which supposed to deliver the money in minutes, however my wife have to wait one or 2 days to get the money in XXXX because the agencies where she collect the money they do n't have cash. She complained there but the agencies blamed Western Union since they are providing a service for this Company. 
I sent already complaints to WU to their email address XXXXXXXXXXXX on the XXXX XXXX and XXXX XXXX, with no answer at all. I just received an email on XXXX XXXX from XXXXXXXXXXXX saying that they got my complaint, but so far nothing happened. 
We feel we are being cheated by Western Union since they are charging us {$45.00} for the same service I used to pay only {$7.00}. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TN).
Issue: Loan servicing, payments, escrow account

Complaint: I am on bi-weekly payments with ditech. 
They did a system migration and applied the payments to principle which made my loan in pass due status. I then received a letter from a debt collector in attempt to collect a dept. 
This is a problem that was create by ditech to thousands of loans. It has affected credit problems and mental stress.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I settled a debt with XXXX XXXX in XX/XX/XXXX with the original debtor being Care Credit/XXXX XXXX. XXXX XXXX agreed after the settlement to remove their trade line, which they did. XXXX XXXX/Care Credit is still reporting the account late, but closed. I shows closed and charged off in XX/XX/XXXX, however, it is reporting late on my credit bureaus reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Vehicle loan or lease (Loan) with FC HoldCo LLC (NY).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: My car was stolen on  XXXX / XXXX / XXXX  it was reported by th e NYPD since  it was in there possession due to an alleged dwi arrest on  XXXX / XXXX / XXXX  I was notified by the bank on  XXXX / XXXX / XXXX  that it was reported stolen the  NYPD never n otified me I had already retained an attorney  XXXX   XXXX  to have the car released unaware that it had been stolen. I went to the precinct that seized my car on  XXXX / XXXX / XXXX  they gave me all the paperwork to have my plates reported stolen  at NYS DMV  I did that I reported it to the insurance on  XXXX / XXXX / XXXX  I called the bank flagship credit acceptance and advised them that it was in fact stolen. I have been called twice by  XXXX  a supervisor at flagship stating I stole the car to return it or I had to pay {$2000.00} to have them find it and once they recover the car they will sell it and terminate my loan as non payment. I have been making my payments monthly from  XXXX  and still making them since the insurance company refused to cover the lost because t he NYPD is responsi ble so my attorney  XXXX   XXXX  has already file suit against t he NYPD for the co st of the car. If I have to continue paying the monthly loan payment I understand and will payoff the loan when we are awarded the money from the city but what I do n't understand is flagships harassing business practices the threats and accusations when I have done everything and have proof of what happened to the car.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX, 2015 I received a phone call from Credit Management , LP regarding an alleged balance owned to XXXX in the amount of {$88.00}. On the same date I sent to Credit Management , LP a letter via certified mail disputing the debt and provided written confirmation of account cancellation effective XXXX XXXX, 2015 as well as payment in-full through that date. I requested that Credit Management update their records and cease & desist contacting me regarding this matter. I received signed confirmation of delivery of my certified letter, however Credit Management continues to contact me by phone with regularity, the most recent of which was today XXXX XXXX, 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-08-2015 about Credit card () with Continental Finance Company, LLC (OR).
Issue: Closing/Cancelling account

Complaint: This company misrepresented their terms and charged fees that were not agreed to. I sent a request to close the account with a check for the balance owed last fall. Instead of closing or cashing the check they charged additional huge fees to renew the card. I have sent several follow up requests for them to close the account and asked for follow up on why the check has not been cashed. I have sent these return receipt and have not gotten any response. They have continued to add fees and now have reported it as late/bad account on my credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: To whom it may concern, My income was reduced and I was having trouble making my mortgage payment so I contacted my Lender ( Seterus ) XX/XX/XXXX. I soon found out it was to be the worst customer service I have ever experienced. They were/are flat out rude, arrogant and very unprofessional. 
I was only trying to do the right thing and contact them to let them know my situation and to ask for assistance, and they flat out told me we were going to lose out house and there was no hope for us. Please see attached fax coversheet information dated XX/XX/XXXX when I originally sent in our request for assistance. 
I filed out and sent over all the correct mortgage assistance paperwork and Seterus confirmed they received it, but when we called to inquire about the status the representative was outright rude. 
I insisted on speaking with a Manager and then XXXX come on the line ( XX/XX/XXXX on or about XXXX ), I soon became aware this was obviously not the right thing to ask for. He was XXXX ruder than the first person I spoke with, probably one of the rudest persons I have ever spoke to. 
He started threaten me as well, stating we would never be able to save our house no matter what we did and/or asked for. He went on to say, we would never, ever qualify for a loan modification. He would not even listen when my wife and I was trying to answer the questions that he was asking us, he just ranted on and on and on, telling us we were just going to lose our house. He made it impossible for us to even talk to him. We just gave up. 
Then recently, I applied for mortgage assistance again XXXX because we were flat out denied the first time we tried. After sending in all the required documents we received XXXX ( XXXX ) very different responses in the mail. Please the see attached letters -- - now I am very confused on how to proceed. This is ridiculous. 
So I called the help line again at XXXX ( XX/XX/XXXX XXXX ) to try and find out what is really going on and spoke to XXXX individuals this last time. XXXX XXXX and then her manager. The Manager said if we do n't make our mortgage payment by XXXX XXXX, 2016 they will not modify us at all. 
We feel everyone deserves a fair chance, and should not have to be treated like some criminal when talking to these big-shot lenders. 
For what it is worth, that is my story. 
It is truly unfortunate that they treat consumers the way they do.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Consumer Loan (Installment loan) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Managing the loan or lease

Complaint: The lender Household finance is saying that my maturuty date has expired - so I need to pay the balance or do another loan to last 10 years. I need them to provide all the documents to prove what they are saying such as evidence of the maturuty date. and all documents.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Debt collection (I do not know) with Navient Solutions, LLC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Today XXXX/XXXX/XXXX I recieved a phone call from a Company called Pioneer Corp. Phone # XXXX XXXX XXXX XXXX. The lady was extremely rude! She stated she was collecting for my student loans, this would be from when I attended XXXX XXXX XXXX XXXX XX/XX/XXXX to XX/XX/XXXX. What is very strange is she said I owe an amount exactly the same amount XXXX is stating I owe them. Also, she said my loans went into default in XX/XX/XXXX. She acted like this was the first time pioneer has called me but it 's not. I 'm very confused on who is the servicer on these loans because I get no documentation, statements or court orders and they know where I am because XXXX is garnishing my wages. I 'm a server I ca n't even get a job in the field I studied for because the XXXX I worked so hard to get employers do n't look at it as quality education. In a prior complaint I stated XXXX garnished my wages in XX/XX/XXXX I was able to get it stopped but on my check it just says garnishment. XXXX XXXX, XXXX they did it again but this time I ca n't get it stopped, now it says garnishment XXXX. I do n't know if these loan are being sold to collection agencies or if XXXX is connected to Pioneer.I made a compliant this weekend and Monday morning Pioneer called instead of XXXX. So who is servicing my loans and where is the money going?? I have no clue and no statements or letters from no one.

Company response to consumer: Closed with explanation