milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/20/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a home loan modification with Ocwen over 4 months ago. My husbands job cut his pay in half, so we fell behind on our mortgage, and Ocwen told us about XXXX possible programs we may qualify for. After submitting all the documents Ocwen sent in their 'welcome package', we returned everything promptly. This is when our nightmare began. Ocwen claimed they hadn't received our documents, so we sent them again; in fact we sent them by fax XXXX, by email numerous times, and by USPS mail XXXX. Still, they say they hadn't received them. The representative we were assigned was located XXXX. His accent was so thick, we couldn't communicate with him at all. We requested Ocwen to assign us another rep, but were told they can't assign us another rep. Nothing is moving with regards to our refi. We did however find an XXXX speaking person and she became our rep. After speaking with her by phone, she specifically told us what documents were missing. She asked that we email them directly to her, so she could get things moving. We did what she asked, but haven't heard back anything. At this point we are several months behind on our mortgage, and it seems that Ocwen is doing everything possible to stall. They haven't even told us what our percentage rate or payment would be. We have read many horror stories about Ocwen's treatment of customers, forcing them into foreclosure because of their lax, incompetent and dishonest business practices. XXXX
 I recently discovered that Ocwen is now facing Federal charges for their misconduct, illegal fees, forced foreclosures; mishandling of customer's cases and much more. We feel that Ocwen is just a scam company, whose main objective is to force families into foreclosure. XXXX
We have gotten nowhere in 4 months and are desperate to close our modification and move on. We did not choose Ocwen as our mortgage company. Our loan was sold to them by  XXXX.  We have lived in our home for over 20 years, and until my husband's job pay was cut, we made all payments on time. Ocwen does not answer emails, and if you're lucky enough to get them by phone, you are transferred XXXX. At the very beginning of our attempt to get a home modification, our credit was XXXX and rising,  a score we had worked very hard for, paying off credit cards and not using credit any longer. Now our credit scores have dropped to the low XXXX and no other mortgage company will help us. By the way, Ocwen is not registered with the BBB, but take a look at the complaints on the BBB website.
At this point, we are lost, feel like victims of a scam, and don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Checking or savings account (Other banking product or service) with TD BANK US HOLDING COMPANY (NJ).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: TD Bank does not allow access to my banking information from 3rd party investment apps making it difficult for me to invest my money with companies like XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Student loan (Federal student loan servicing) with STUDENT ASSISTANCE FOUNDATION (WA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: my loan was in a hardship status while I went through a bankruptcy last year that discharged XX/XX/XXXX. I was unable to make the {$350.00} payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was waiting for a new tax return to come back because I also had to go through a divorce that finalized in XXXX of XXXX. I asked them if there was any way I could get an IBR that would catch up my past due so that I could make reasonable, on-time payments. They sent me the IBR that lowered my payments to {$57.00} a month. I could make those payments and also paid additional totaling a {$100.00} a month for XX/XX/XXXX, XX/XX/XXXX and going forward was the plan. They told me I had exhausted all deferment options and that the past due could not be updated and that my loan, even with the additional amount I was paying was going to default XX/XX/XXXX. I was then instructed to resubmit an IBR and if my payments were lower, they could forgive my past due. Why was this not an option the first time, I do not know, but instead my payments increased then to {$120.00} and still " no past due deferment ''. Which made my situation even worse than before. I am a single mom, with a XXXX child, other than sacrificing her care by being gone more than XXXX hours a week, I am simply unable to meet their demand for {$1300.00} past due by XX/XX/XXXX in addition to the increased payment from {$57.00} to {$120.00}. They would not allow me to cancel the last IBR request that they suggested that would help me and it only harmed my current situation. I have a student loan debt for {$30000.00} + w/an 8 % interest rate and I am XXXX years old. The degree is a travel management degree from a private school that shut down shortly after my graduation. The degree is essentially worthless because it is non-accredited, the school is non-existent. The Student Assistant Foundation in Montana has not offered any solutions that have helped, only made my situation worse and said to look forward to continued calls and even more fees after default occurs. I have asked the ombudsman for help and they offered no solution or help on their end. I feel like I am in a no win situation and soon they will garnish my wages and take my taxes every year once this default occurs. I have no faith in the system at all. I know that I can make their {$57.00} payment, and even make their {$120.00} demand but I can not simply come up with {$1300.00} by XX/XX/XXXX. I need someone to help me figure out a way, if I had n't had to file for bankruptcy and divorce all in one year, I may have had an opportunity to stay on top of this, but it was n't an option for me unfortunately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SUN WEST MORTGAGE COMPANY, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Our check payment was purposely held up by Sun West Mortgage Company to be able to prematurely report us as 30 day delinquent and prevent us from refinancing with another mortgage company. Our mortgage is due every XX/XX/XXXX of the month. This XX/XX/XXXX we mailed our check on the XX/XX/XXXX to Sun West 's XXXX Ca Office. Mail should not take more than 5 days for our payment to get to them as we also live in California. On XX/XX/XXXX, a 30 day mortgage delinquency report was filed to the three credit bureaus which led to the credit score of my husband to drop by more than 100 points. Please note that XX/XX/XXXX is only the 29th day from our due date. We were trying to refinance with another company since Sun West sat on our refinance with cash out application which we started XX/XX/XXXX. Sun West knew that we were trying to move, thus the malicious report. Initially, SunWest 's customer service confirmed to us via phone that they received our XX/XX/XXXX check payment on XX/XX/XXXX which means that we made it on the 30th day and we should not have been reported. The malicious report they did halted any chance for us to refinance either with them or any company for the next 12 months. . Based on FCRA Compliance, delinquencies are calculated based on the due date. The credit reporting options for reporting late payments does not include one for being 1-29 days late. This doesnt exist and any lender that attempts to report someone as being late before they are full 30 days past the due date is providing knowingly an incorrect information to a credit reporting agency. We begged them over the phone several times XX/XX/XXXX, emailed for reconsideration and wrote a formal letter requesting clemency on the delinquency report ( upon their advice ) only to find out that we have already been reported. All our pleadings were unheeded despite the fact that we are existing clients for almost three years now and have never been late in our payments.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: Hello, I have a defaulted school loan with   XXXX   XXXX  /NAVIENT. The last time I spoke to them was years ago. I could n't afford the monthly payment. After several forbearance 's I knew that I had to start paying again. I did n't understand how I had so much forbearance time. I called.     They were, without a doubt, trying to intimidate me asking me " if I own my home, what kind of car do I have ( year, make and model ), what kind of bank accounts do I have? '' At that point I said " pls just let me send you a check with a payment I can afford. '' They responded with " I can only use a smart check ( I dont know what that is, similar to  EFT  I believe. ) I refused to give them my banking information. I told them I 'd send a money order if they do n't believe I would cover the funds. At that point I was met with a tone that made me uneasy. They refused the money order. I hung up and NEVER spoke to them again. My mistake I guess.     My Mom co-signed this loan. They 're sending her notices and I 'm afraid for her as well as myself. I 'm afraid to even call them. I owe {$100000.00} in school loans. This  one  in particular was originally {$7000.00}. It 's now over {$10000.00}. I 'll never be able to repay all of this money. I never was able to get a job in the field I have my degrees in. I 've accepted that however I can not repay all of this. I do n't make enough money to.     I 've recently spoke to   XXXX   XXXX  . They took my tax refund and put me in a worse hole now. I 've begun to pay them. I 'm afraid to call NAVEINT though as I 've read about the lawsuit.     I 'm angry that the schools and the banks did n't advise me better in regard to these types of loans. I was young and had no idea that {$65000.00} in school loans would be so difficult to repay and turn into {$100000.00}. I 'm angry they allowed me to do so many forebearances. I 'm angry they would n't work with me previously - it 's not fair and I 'm really lost at this point.     I do n't know if you can help my mother and me. Anything you can suggest would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Ditech Financial LLC (NC).
Issue: Money was not available when promised

Complaint: Ditech home loans was my mortgage company. My mortgage was sold/given/bought by another holder. I sent 3 payments by XXXX XXXX XXXX bill pay to Ditech after my account was closed with them. The amounts were XXXX each payment. One payment was forwarded to my new lender. The second was mailed to me. The third payment is being held by Ditech. They have acknowledged that I sent 3 payments and realized that they have not returned my final payment. This has been going on for 5 months. I have called and spoke with several persons regarding this matter and have been told every time " the check is in the mail '' and to wait a few days. Ditech sent two checks out to me which I never received and asked for my routing number so they can deposit it into my account. I gave them 2 weeks to do that and still I have not seen my money.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-02-2015 about Mortgage (VA mortgage) with Fairway Independent Mortgage Corporation (PA).
Issue: Application, originator, mortgage broker

Complaint: While searching for a lender to apply for a new purchase VA loan, I was promised by XXXX XXXX at Fairway Independent Mortgage Company in XXXX, DE that she could match any interest rate from a competitor. Because of this promise, I chose to apply with her and continue searching for better rates that she could match. After finding a rate that was significantly better than the rate at Fairway, I presented it to XXXX. She came back to me with an offer of a rate that was between Fairway 's rate and the rate I presented her. When I asked her why she was not matching the rate as promised, she said they would lose money on the transaction. I felt that I was promised something that they could not deliver in order to capture my business.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (WA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I applied for a Secured Card from Wells Fargo in XX/XX/XXXXwith the hope to build credit history and on their word heard that I would be able to apply to upgrade to a credit card when my credit score is built up. I had to keep a deposit of {$300.00} and so I did. I stepped in the bank one year later, in XX/XX/XXXX requesting to fill the application for upgrading to the regular credit card and I was denied the request to upgrade because I am not a XXXX XXXX of this country. That seems unfair and un-moral given the prior information they gave me when I applied for the secure credit card. This is a warning which should be given prior because I am now stuck with a secure card, paying a yearly fee, with {$300.00} of my earned money stuck with a bank.

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 09/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: i was told in 2011 by a XXXX Rep that i was not under a Contract with them anymore, so she set up to send me Boxes to put Their Equipment in & they set up a XXXX Installer to come by my Home & pick the Equipment up, he did & put it into their System to prove it. Now here 's where it takes a Twist, XXXX waited 4 years to send me a Bill stating I owed them an Early Cancellation Fee & 2 Months of Service, so while i was on XXXX during this time, I was being Charged for XXXX that i was Told i was Paid up in Full on my Account & i was n't under a Contract. This is Unreal! I called the ERC ( Enhanced Recovery Company , LLC ) & argued this Fact that i was Told totally Different Information then they were Stating, she then said that it Did n't Matter ' I HAD TO PAY or it would Stay Pending on my Credit Report, so I payed the Bill or actually a Settlement of {$270.00} & she said she was going to Contact The Credit Bureau or whomever to have it Deleted from my Credit Report, she said call back in! 0 days. It better be gone quick because that knocked a Hole in my Credit & i was n't even aware of any of this till 4 days ago when i went to my Mailbox & opened this Statement ( Which i will say i do not owe until I 'm pushing up Dirt ), My point being is, How can a Rep tell me I 'm all Good, Send me Boxes for Equipment to be Picked up & then 4 years Later they say i was n't out of the Contract & i was Charged an Early Cancellation Fee ( But They sent me Boxes in 2011 to Pick up Equipment & i did n't owe them XXXX XXXX ) but i was charged for 2 months of Service when the Equipment was in their Warehouse & the XXXX for XXXX was Removed from my House & i was Watching XXXX XXXX, they are Liars, plain & simple. I did n't know what to do so I just Payed the Thief 's!!!!! I have the Confirmation #, showing i Settled with them, but it 's STILL HANGING UP on my Credit & XXXX XXXX are rough, XXXX are really nice, this is just making me look Stupid. If it is n't DELETED as promised from my Credit I might Snap!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: The company, Enhanced Recovery, reported an XXXX XXXX XXXX bill in XXXX of 2014 without sending a dunning notice. This was a debt that they had previously tried to collect from me years before and was eventually deleted from my credit reports after disputes were not validated on their end. They began reporting to XXXX and XXXX in XXXX of 2014. I disputed through the XXXX and they acknowledged through written message that they did not send a dunning notice because they were unable to reach me on a cell phone number they had listed as my contact. So as of last week ( XXXX XXXX ) they sent the dunning notice-5 months AFTER they began reporting this on my credit reports. I was not given the chance to dispute before this was marked as a derogatory item on my report and sending the notice now is a clear violation. I want this debt removed from my credit reports as it is being reported incorrectly and collected in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/20/2015 about Mortgage (Other mortgage) with RESIDENTIAL MORTGAGE SERVICES (PA).
Issue: Settlement process and costs

Complaint: I have been trying to go to settlement for over a month. It was scheduled again today, and now the mortgage company says they are not ready AGAIN!!! The people at Residential Mortgage Services ( NMLS # XXXX ) in XXXX, PA seem to be completely inept. I 'm beginning to wonder if they are even a licensed mortgage company. This has moved well beyond ridiculous now, and I have inconvenienced and cost many people through this whole process. I am the seller in the transaction and need to get this done.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (KY).
Issue: Struggling to pay mortgage

Complaint: Initially filled a complaint on here about Wells Fargo keeping a check issued to me from my insurance company to fix my house. I tried to contact them several different times, at which point Wells Fargo responded that they were researching it. I now hold 7 letters from them, explaining that they are researching. However, on XXXX XXXX, XXXX, my home of 17 yrs was bought at foreclosure auction for XXXX by none other than Wells Fargo!!! The home appraised at almost XXXX. Plus they have my insurance check for almost XXXX .... 
Wells Fargo has become the worst mortgage/bank in America!! And after reading over comments on XXXX, they have foreclosed on many more houses, just like mine. If any other company got caught stealing like this, they would be in jail for embezzlement. Making up fake accts, stealing insurance checks, bad car repos ... I mean, when is someone going to investigate and make Wells Fargo stop these practices that are so illegal?????

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 03/24/2016 about Mortgage (Conventional fixed mortgage) with AmeriHome Mortgage Company, LLC (ID).
Issue: Loan servicing, payments, escrow account

Complaint: I sent a written communication to my lender ( attached ) more than a month ago concerning my Private Mortgage Insurance and I have not heard any kind of response from them. I would like to hear back concerning my request to remove PMI from my loan which is in great standing.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Payoff process

Complaint: Because our business transitioned from a XXXX to an LLC, I had closed a credit card account with Wells Fargo for our business which still had a balance owed on it. I set up auto payments and overpaid the bill by {$1600.00} mistake. Since XXXX 2016, I have been trying to get the money back from Wells Fargo into my bank account. It has been a series of misguided directions, XXXX checks that were sent have not been received because they mailed to the wrong address. I finally received XXXX check this week ( XXXX XXXX ), that I tried to deposit only to find out that Wells Fargo put a stop payment on it. I have completed every direction they have given me and yet I still have not received the Money that they owe me. This whole experience has been incredibly difficult. It appears to me that Wells Fargo is deliberately misprocessing and delaying the return of funds that are rightfully ours.

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 08-11-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX lists an amount due of {$6500.00} ( {$7900.00} highest balance ) as a Collection/Charge-Off on my credit report. This account belonged to XXXX XXXX and I was listed as an Authorized User. I never used the card and it is still in the envelope in which it was originally sent. XXXX XXXX sold this account to XXXX XXXX and they filed a collection lawsuit against XXXX XXXX . This lawsuit was Non-Suited by the Court and the amount claimed as due was deemed to be not owed. The attorney stated that the amount did not have to be paid to XXXX XXXX or to XXXX XXXX. When applying for a mortgage in XX/XX/2015, a conference call was held between XXXX XXXX , XXXX XXXX and XXXX XXXX . XXXX XXXX refused to discuss the matter, so no resolution could be had. They were extremely abusive on that conference call to which we still have the recording. We were not able to secure the mortgage because of that derogatory listing on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-04-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: transd union is reporting XXXX accts in error XXXX XXXX bank do n't belong to me they keep reporting in error as the acct do n't belong to me and blair was the wrong due date and such they have been reporting wrong and so far no one has done a thing to fine blair-comenity bank they should be fined for fraud

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (SC).
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: No contract

Company response to consumer: Closed with explanation