milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/23/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: The loan on my home was being serviced by Litton Loan Servicing. I got behind on the loan because of health issues. My friend and associate loaned me money to bring the loan current and she was given an ownership interest in the property. She was given full Power of Attorney to get any information on the loan and to act on my behalf. The insurance policy on the property was changed. The premium for both the old policy and the new policy was taken out of the escrow account. An insurance premium of {$1600.00} was refunded to me. I was told to send the endorsed check back to Litton Loans and my escrow account would get the credit. The credit was never given. It was discovered that we had not received credit for several other payments. While we were in discussion with Litton Loan Servicing about the missing funds, we got notice the loan servicing was being transferred to Ocwen Loan Servicing. We were told by Litton Loans to take up the missing funds issue with Ocwen Loans. When Ocwen got the loan, the name on the loan changed as well as the payment and other charges. We still made every payment but four payments got lost in the servicing transfer. Ocwen Loans would not talk to us as the name on all the loan documents was now different and we could not provide identification in that name. It did not help that we were having very serious problems and the call center was overseas. They could not address the missing funds issue.Ocwen Loan Servicing started a foreclosure. The missing funds were never located or accounted for. The loan documents were in one name and the foreclosure was started in my proper name. The issue could not be resolved. We had to hire an attorney to represent us. The judge listened to all the issues in the foreclosure hearing and denied the Motion For Order Authorizing Sale. He agreed the accounting was problematic. The issue still has not be resolved. Ocwen Loans still wo n't talk to us and there is cloud on the title created by the name change on the loan documents. We can not afford another attorney. Massive fees are accumulating and a new foreclosure has been started. We desperately need someone to look into this situation and help us get an accurate loan balance and a clear title if the loan is paid off.

Company response to consumer: Closed
Consumer complaint received 01/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ONEMAIN FINANCIAL HOLDINGS, LLC. (OH).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Due to a family hardship, I am working with XXXX XXXX XXXX to eliminate my credit card and signature loan debit. XXXX of my creditors Springleaf Financial continues to call me at work and at home even after they have received the cease communication notice and I have also told them not to call me at work because I 'm not allow to have personal phone calls. At XXXX point the XXXX XXXX XXXX XXXX of Springleaf ( XXXX ) transferred out of my work voice mail and got my Manager to transfer the call to me.The message the XXXX XXXX XXXX XXXX XXXX left on XXXX/XXXX/16 on my cell and on XXXX/XXXX/16 on my work voice mail said that he turned down XXXX settlement offer and would not work with them. He wanted me to make XXXX payment or he was sending the account for wage garnishment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/23/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (PA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Today I received a email notification that my account was closed .... My account was negative for almost two months because wells fargo reversed a disputed charge .... I contacted them and explained the payment was paid by insurance company and was told that they would undue the charges again and to date I have received no notification of such changes ... ... They have also charged me fees that should n't be accessed on my account, I 'm tired of this bank stealing money from us ... .. they never sent me a letter stating the were denying the claim or reason as to why if the claim was denied .... very unprofessional of them .... with them the last 7 months ov er 10k has  been deposited into this account and ever over drafted or negative balance I have gotten in the past has been paid ... .. I had the opportunity account and was told that after year it would roll of to a regular checking and savings 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 09-07-2015 about Debt collection (Credit card) with Total Card, Inc. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am a victim of identity theft. I have sent numerous affidavits and police reports to Total Card, Inc., in reference to the following account : *******************. The reference account do not belong to me. I want Total Card, in the spirit of good customer service, to close the above referenced account. Cease and desist all collection efforts immediately and permanently and have the account, deleted from my XXXX credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Debt collection (I do not know) with Stevens Business Service, Inc. (MA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I KNOW NO COMPANY OF XXXX XXXX, I NEVER LIVED IN XXXX AS LISTED AS AN ADDRESS ON MY CREDIT REPORT, I AM A VICTIM OF ID THEFT AND XXXX CREDIT CARD WAS DUPLICATED IN XXXX, XXXX, THEN TO XXXX XXXX, I FILED A REPORT WITH MY LOCAL POLICE DEPART, THE FEDERL TRADE COMMISSION, XXXX, A ID THEFT AFFIDAVIT ... THERE ARE MANY THINGS ON MY CREDIT REPORT THAT WERE COMPROMISED OR DO NOT BELONG TO ME AS MY RESPONSIBILITY ... .SOMEONE HAS MY SS # AND HAS TRIED ONLINE TO OBTAIN CREDIT CARDS I ALREADT POSESS, I HAVE SAVE ALL DENIED LETTERS FROM MERCHANTS AS I ALREADY POSESS THESE CARDS THAT 'S THE REASON FOR ALL THESES BOGUS INQUIRIES PRIOR TO MY FREEZING ALL AGENCIES ... FEEL FREE TO CALL ME @ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I attempted to shop for a good rate for a car in XXXX of 2014. I went to XXXX XXXX dealership and I received XXXX hard inquiries on my credit report and my score dropped between XXXX points!. I applied for rental housing and was denied based on my credit. How can I get these inquiries immediately removed from my credit report?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Bank account or service (Checking account) with M&T BANK CORPORATION (MD).
Issue: Account opening, closing, or management

Complaint: Chain of Events : First, I must state that I never, ever, use my M & T XXXX XXXX for purchases or payments. I occasionally withdraw cash from an ATM but it is not frequent. 

On XX/XX/2016, I discovered that an unauthorized, fraudulent debit - XXXX Online Phone Payment in the amount of {$150.00} - had been applied to my M & T Checking Account on XX/XX/2016. I immediately contacted M & T and was told to come in and file an affidavit. The affidavit was filed on XX/XX/2016. I requested future debits from XXXX XXXX be blocked but was told they could not block an individual debit, only freeze the entire account from all future debits. Since I had legitimate, automatic debits linked to the account ( XXXX and XXXX Prescription Plan ) I was advised to leave it open until I could stop these debits, a process I began immediately. 

On XX/XX/2016, M & T reimbursed me for the fraudulent debit on XX/XX/2016, {$150.00}. I received a letter stating, " Our research has concluded that the transaction was unauthorized or processed incorrectly. Your account was credited {$150.00} on XX/XX/2016 for the disputed transactions. '' I stopped all direct debits but, before I could notify M & T to place a debit freeze on the entire account, another unauthorized, fraudulent debit was made to my M & T XXXX Account for the same amount and via the same method - XXXX Online Phone Payment in the amount of {$150.00} - on XX/XX/2016. I called the bank and they issued another affidavit and placed a debit freeze on the checking account. 

On XX/XX/2016 I received a letter from M & T stating, " We have completed a thorough review of your account and nothing in our records indicates that the transaction ( XXXX ) was unauthorized or processed improperly. As a result, no funds will be credited to your account as a result of this claim and the claim is now closed. '' With the letter was a " Written Statement of Unauthorized Debit '' form to submit to M & T for consideration under the Automated Clearing House ( ACH ) rules. I also requested, in writing, copies of the documents relied upon in connection with this investigation, which were available upon request. 

I do not understand how XXXX debit was considered fraudulent but the second XXXX, XXXX months later, was not. I did not authorize these debits and I feel M & T should have done more to prevent this from happening. There is a debit freeze on the checking as well as a savings account that I have at M & T, since I do not know the source of the fraud and do not feel protected by the bank. 

I leave this in your hands and will abide by the decision made after investigating the issue. 

Best Regards, 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 04/25/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with TD BANK US HOLDING COMPANY (NY).
Issue: Fraud or scam

Complaint: This morning on   XXXX   XXXX   XXXX    , at   XXXX   XXXX   i withdrew cash from TD bank on  XXXX  and  XXXX   XXXX   XXXX  in  XXXX , Ny. I gave the money directly to another individual ( for payment pf a sale ) and accompanied him to the  XXXX  bank on  XXXX  and   XXXX   XXXX   XXXX   around  XXXX .   When he deposited the cash into his account at   XXXX   XXXX  , the teller held onto a single  hundred dollar bill  and deemed it " counterfeit ''. They confiscated the {$100.00} bill and gave him a receipt from the  Secret Service  explaining the congiscation. The reason for this complaint is i recieved a counter feit hundred doll ar bill from the teller at TD bank on  XXXX  and  XXXX . When i spoke with the  manager and  explained tge dilemma, he simply stated " this happens sometimes, and there is nothing we can do about it ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/23/2015 about Bank account or service (Checking account) with CITIBANK, N.A. (VA).
Issue: Account opening, closing, or management

Complaint: I found out today ( XXXX/XXXX/2015 XXXX that Citibank increased its monthly service fee for my checking account in XXXX 2015, but I was not notified that a change in fee was imminent. Citibank 's competitor charges less and I would like to have had the chance to switch to another bank before the fee went into effect. Citibank has also made it next to impossible to avoid a fee on this account ; it requires in part a monthly bill payment using its " online bill pay '' system. However, none of the companies I work with, including cable companies such as XXXX or my utility provider are set up on its system. It simply does n't recognize them as companies. Other companies do n't exist at all. Its obvious the product was oversold ; since those other companies have their own payment sites, Citibank 's bill pay system does n't make sense, especially because it does n't work. For example, to send a payment to XXXX, Citibank 's online bill pay needs up to a week to print and mail the company a paper check. The money is deducted today but does n't show up in XXXX 's system more than a week later, since they need time to process a paper check. Citibank promised in its sales pitch and its marketing that I could use the service to pay utility and cable bills. But this is not the case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Problem with fraud alerts or security freezes

Complaint: After being notified this week about my personal information being compromised in the Equifax data breach, I was unable to place a credit freeze on my credit report online. Equifax on line system resulted in a " system error XXXX. '' I tried to contact Equifax via phone but the waiting time is 'forever. '

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have sent several letters/disputes to XXXX XXXX, Experian, and XXXX about incorrect information currently on my credit report. I have not gotten any responses. I am very afraid that someone has been using my information and opening fraudulent accounts. The Only Names, Addresses, & Employers that should be listed on my Credit Report are as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Former Adress XXXX XXXX XXXX XXXX, XXXX  XXXX Current Adress XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Employer : 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 non-monetary relief
Consumer complaint received 10-06-2015 about Mortgage (Conventional fixed mortgage) with Arbor Residential Mortgage LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: my mortgage includes escrow however my mortgage/servicing company, Seneca, has not paid my property taxes and I have called repeatedly and faxed in a copy of my tax bill. XXXX quarterly payments have not been paid to dat.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for assistance with my mortgage via my attorney on XXXX/XXXX/2015. My attorney confirmed a complete financial package had been received on XXXX/XXXX/2015. Bank of America is my servicer. The person assigned to my application has stated to my attorney they can not and will not use my pay stubs because the pay stubs do not show an ending date for my pay period. However, the company I work for is XXXX of the XXXX in the state of Nevada ( XXXX ) and they issue all of their pay stubs this way. This is simply an excuse to evade reviewing me for assistance. I have already been approved once before and my pay stubs have not changed. My attorney also advised me that they have assisted hundreds of other people who work for XXXX using the same type pay stub and no other underwriter, point of contact or servicer has had a problem with the pay stubs. It is obvious what the pay period end date is as I am paid every XXXX weeks. The start of the pay period is listed as well as the actual pay date. Underwriting can either calculate the date themself or simply go off of the pay date. Rejecting my application is unreasonable, unfair and possibly illegal per Regulation X of Respa servicing laws. They need to stop playing games regarding my pay stubs and move forward with the review. I have supplied a verification of employment as well and they have everything necessary to review my application.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Now married to my husband, I have XXXX now attempted to simply get added to our joint account so I may be issued a debit card and purchase groceries, etc. My records indicate, as ChexSystems just sent me my requested copy dtd XX/XX/XXXX that queries were made on XX/XX/XXXX and 5XX/XX/XXXX by XXXX XXXX XXXX XXXX. The bank indicated XXXX times that a code was returned that they can not override indicating I do not qualify to do business with their bank. The reason provided : the code received back from ChexSystems. 
I then requested the report ChexSystems sent XX/XX/XXXX and it shows the XXXX queries but no other information at all regarding the reason for the code or any cause for me to be denied anything via ChexSystems query. My report shows " no information found '' under the check ordered and reported information sections. If this is indeed the case, reporting to the bank a code that denies me membership is a misreporting of my status and should be corrected as soon as possible. If the report I requested is missing information, then this report should be corrected so I can then find the source of negative reporting and get the situation corrected or disputed properly. 
I therefore request either a corrected report or a correction to the code returned when a bank requests information regarding me using my social security number or name. If possible, I further request an explanation why for the past year I 've been unable to be added to a joint bank account with my husband, yet the report I requested contains no negative reporting associated with my social security number. 
I believe I have a copy of the bank 's " bad code '' report, but I definitely have a copy of my ChexSystems report if needed. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (NC).
Issue: Managing the loan or lease

Complaint: I purchased a car from XXXX, when I purchased I was under the impression that I had XXXX insurance but it turns out I did not. The sales person did not fully explain and apparently marked that we declined on the application when that was not the case. My car was totaled in a weather related accident that was not our fault approximately XXXX days after the purchase. My insurance company did not pay off my loan balance - there was about {$6600.00} left. After the accident I called Ally Financial several times to discuss options. I was told by bother customer service reps and the total loss department that I would be able to make payment arrangement after the insurance company settled the claim. I was very worried about purchasing another car because I knew I would have a remaining balance and even tried to finance a new car with them. They stated that I should just go to a dealership and get financing through them and that I could make arrangements for the remaining balance at a later date. I have now received a letter stating that I must pay the remaining balance in full or continue making the $ XXXX/month payment and I have no options to restructure the loan to make lower payments when that is not what I was told in the past. If I knew that I would have purchased a minimally priced car so that I could pay this loan off before getting another loan. I can not afford to continue making the monthly payment at {$420.00} or pay the amount in full at this time. They also initially sent me statements stating payments would be due in XX/XX/2018 so I assumed they were allowing for a delayed re payment since the car was totaled then I received a letter in the mail stating payment in full or installment was due XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint: Most of this debts are very old and should have been deleted long time ago but a debt that on my credit report from XXXX XXXX is not true and I ask the C E O starting back from XX/XX/XXXX until present I spoke to several different agents but on my last call which was on XXXX / XXXX XXXX with C E O XXXX XXXX XXXX stated since no one contact me back from last conversation with the C E O rep name XXXX who stated she would investigate info and get back with me on what she had found out about my account issue, so since she had n't done so XXXX XXXX said she would remove it from all XXXX credit bureaus and send me a letter stated it, Next I contact experian and informed the experian worker of the info that I received from C E O agent from XXXX then the experian agent said she would write note of all we discussed in the dispute and when I contact experian back to see if XXXX removed the mark from report the agent Supervisor XXXX with experian said that updated info with a new balance it was first XXXX dollars and now it 's XXXX dollars so for this past month of XXXX going back and forward with experian about the letter and they keep telling me the gone put in the mail for sure this time. At this time I reached out to you from a source within experian and they let me know to reach out to you 'll for a more assistance. When you contact me back I will in form you of my other credit issue that seems illegal and I feel like have violated my rights. 

Thank you, XXXX

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