milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/17/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Mortgage reported to the credit bureau that I was 60 days late on my mortgage payment. I made two " additional '' payments. This brings me up to date. Ocwen has refused to update my files. Additionally, they continue to charge a late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (CA).
Issue: Other transaction problem

Complaint: On   XXXX   XXXX   XXXX     I received a voice message on my home phone that " suspicious activity '' was detected on my   XXXX   XXXX   XXXX    Checking Acc ount. I was advised to go to a local branch and close my account and to show  2  pieces of identification. I did so the next business day on  X/XX/17    and my account was closed, a new account opened and a new debit card issued. On  X/XX/17    I was at the bank going over my account and it was noted that {$1200.00} was withdrawn from my new bank account that was set up on   XXXX     by  Western Union.  I had my account immediately frozen, a new account opened, filed a Police Report with  XXXX  Police Department and enrolled in   XXXX   XXXX  . I was advised to not use my home computer and to throw it away as whoever had " hacked '' into my account had m y IP a ddress. A fraud complaint was filed with   XXXX   XXXX   XXXX  . All of these things were done. About a week later I started receiving phone messages from  Western Union whi ch I did not return as I had no business with them. On   XXXX   XXXX   XXXX    , I received a letter from  Western Union  demanding payment for {$1200.00 } ( copies enclosed ). I h ave responded to  Western Union  that I do not know the person that is listed on their   XXXX   XXXX   XXXX     letter and did not authoriz e Western Union to debit  my account for any money.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Payday loan, title loan, or personal loan (Payday loan) with Green Trust Cash, LLC (PA).
Issue: Struggling to pay your loan

Complaint: I originally borrowed money from Greentrust Cash because I was in a pinch - I believe the original amount was {$500.00} - I was aware that it was higher than average interest rate but was led to believe that at least some of the money was going towards the principal - I was also unaware that this type of loan is not legal in Pennsylvania and that the state is suing companies that hide behind the tribal law. I continued to have financial difficulty and in XXXX I still owed {$570.00} - I asked for help with arbitrating a settlement after receiving threatening emails and calls - I received on on XXXX stating they would use all my info to contact me and proceeded to call my place of work and state who they were - they also stated then that my amount was now {$800.00} - I continued to try and have this account negotiated and 9 months later they still have not -

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Debt collection (Medical debt) with Advance Bureau of Collections (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I was paying XXXX XXXX XXXX XXXX for a hospital stay for XXXX XXXX due to XXXX XXXX XXXX and XXXX. I was paying 35 to 50.00 approx. per month and was then told I was past due ; that I had to pay in full that I was not paying enough to keep account current. I explained I was on workers comp and out of work and XXXX was the most I could pay. Initially I was told to pay what I could then out of the blue a letter was sent to me that my acct was sent to an outside collection agency for non payment. I explained I was paying regularly and had been in contact with XXXX billing, Why was I now delinquent. I offered to set up a pymt plan and was told I could not because it was too low of a payment. If I was trying to pay is .that not better than not getting any money? I do not understand. Also they tried to reduce it to half and get me to pay a lump sum. If I had that lump sum why would I be trying to make payments. This was just noted on my credit acct recently and I would like to fix my credit. I do not feel this is just as I have tried to work out pymts even while unemployed. I am working now and I have been trying to repair my credit, since my work injury. Certainly there are some options. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX I was hospitalized the week of XXXX in XXXX with XXXX XXXX and XXXX XXXX at XXXX XXXX XXXX also in XXXX, Fl.The last 4 of my SS # is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I gained my first private student loan with XXXX ( now navient ). As a XXXX I was unaware of the troubles that I would encounter once I have received a degree and entered the working world where XXXX/Navient would begin to terrorize me financially. Since my loans have been in repayment I have not been able to make the payments due to the amounts on the loans being so high and my income being so low. Navient has proposed options that are n't near suitable for me to maintain with the tightest budget. Even in light of my current income they are still expecting me to pay beyond XXXX $ a month ( IMPOSSIBLE ). When attempting to work out other options with them based on my income they were still asking XXXX $ XXXX $ a month ( STILL IMPOSSIBLE ). Alongside of the harassing phone calls and threatening letters, the customer service is terrible and they show no empathy at all. i.e. a customer service agent called me broke because I could not fit the extremely high repayment " option into my budget ''. Long story short I have worked hard to maintain good credit in effort to put my family in a home and live comfortable, however I am unable to do so due to this monster called NAVIENT. ... ... ... They are not flexible and do not really provide " options '' for repayment. I 'M SURE THEY ARE NOT ONLY RUINING MY LIFE, BUT ALSO MILLIONS OF LIVES ACROSS THE COUNTRY

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We refinanced a loan we had with Ocwen loan servicing and in the payoff statement they included 60 days of interest. Only 39 days of interest were supposed to be charged since they received the payoff funds on XX/XX/2016. 
I have attempted to get a resolution from Ocwen directly, but they do n't let me talk to a supervisor and they say they need more time to investigate. No one seems to understand how the interest on the mortgage loans works. This was n't an FHA loan for them to charge the complete month of interest.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (MD).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I have a store credit account with XXXX XXXX, that is serviced by Comenity bank. My bill for this account is due on the XXXX of each month. I receive all statements and notices for my account electronically. Within the XX/XX/XXXX billing statement, a brief synopsis of the account term updates was listed. On the third and fourth page of the billing statement, it states verbatim : " Reminder : To avoid interest on the Regular Revolving Credit Plan, pay your entire balance by the Payment Due Date each month. '' For the billing statement generated in XX/XX/XXXX and due on XX/XX/XXXX, I paid the entire balance due on the account on XX/XX/XXXX. In addition, the information of the updated terms and agreements was not provided to clarify specific terms and definitions. Thus, the company is woefully trying to leave the customer in the dark and not specify how interest will be accessed with a regular revolving credit plan, the definitions of a grace period, and furthermore upon my call placed on X/X/17, when I asked for an updated copy of the terms and agreement I was instructed that a new/updated copy is only reserved for new cardholders. Thus, an existing cardholder, upon request, would only receive an outdated copy. As a consumer, I find this act deplorable that a credit company would mislead and not inform their entire consumer base. Due to their negligence, I am asking for a refund of the interest charges accessed to me, as taken in the information that was made available to me during my XX/XX/XXXX statement about the changes I was notified that by paying the balance in full that no interest would be accessed to the account. My last attempt to resolve this issue with Comenity Bank was on XXXX XXXX, 2017 at XXXX XXXX, they are stating that they will not remove the charge, nor provide me a complete an updated copy of the terms. As a result, I am submitting my complaint with CFPB to review their practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX Cfpb, I noticed inquiries on my credit report that I am not familiar with. I was a victim of the TransUnion inquiry issue. I spoke with TransUnion and they are not helping at all. I know for a fact that no one has my SSN or personal information. I had over an XXXX XXXX XXXX all my life and would like these inquiries removed since I do n't recognize them. 

Best Regards, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Checking or savings account (Checking account) with PNC Bank N.A. (NJ).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: this is the second complaint on the issue first one not resolved an di wont play phone tag any more or have my precious time impacted further or well being Sometime last year pnc deactivated my non profit acount but still charged fees to it. i did not know or receive any notice about fees did not know it was deactivated until XXXX at that time i asked for fees to be waived for 6 months and asked how it was that i was not noticed about all this and how they could take fees while deactivated. Got no notice of stmts and no online access so dont try to send a script that way. In XXXX someone named XXXX XXXX started to call me said she would help me. take fees off. possibly we have never connected and now its XXXX i cant wont spend time chasing her. i am too busy. i demand either the fees be waived or the account closed. the practice of deactivation of an account while still charging service fees I had no way of knowing were being accessed since i did not getstatements and thus could do nothing to avoid it is questionable at best. If pnc refuses to help which i predict then i am done. i will not pay fees esp in light of the above. Some XXXX named XXXX wasted my time in XXXX and said Sorry nothing can be done. I could are less wht he says do the right thing or i am done. you dont handle business this way. I have deposited large grant checks elsehere while this bank has XXXX call me for 3 months me ask her to help and she does nothing NO MORE wasting my time REFUND fees. I aint paying them HOW DARE This be handled with such red tape

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Mortgage (Conventional home mortgage) with LoanCare, LLC (KY).
Issue: Trouble during payment process

Complaint: My mortgage loan has just recently been moved to LoanCare, XXXX XXXX XXXX, XXXX PA XXXX. Loan servicing was transferred XXXX or XX/XX/XXXX. Loan # XXXX. My loan is in the name XXXX XXXX XXXX. I divorced and took back my maiden name, XXXX XXXX XXXX, but all loan documents are in the name XXXX XXXX XXXX. With XXXX XXXX XXXX, FI that my loan originated with, I reapplied and paid a fee to have the ex-husband remove from the loan. However, LoanCare has his name showing on all correspondence that I receive from them. I have contacted them about this issue but nothing has been corrected and no communication to me as to what they are doing about it. I will attach the documents from XXXX XXXX XXXX  in XXXX. I recently received notice from LoanCare that my monthly payment will increase due to my escrows. I can understand an increase but they are increasing my monthly escrow payment by double. I am registered with their online service and can see my mortgage loan information. I can view the escrow tab and it is plain to see why they are calculating incorrectly, because they have entered my property tax bill twice. The first time I tried to call, I was put to Escrow Dept and the recording stated I would have 1 hour wait for someone to answer. I waited 45 minutes and decided they probably would not answer my call even in an hour. I have attempted to contact them and have talked with Customer Support and they tell me the incident will be reviewed. I was told I would hear on this issue by XX/XX/XXXX, but no response. I called Customer Support XX/XX/XXXX and that person told me that I would be contacted within 24 hours. Those hours have gone by and no contact on the escrow issue from LoanCare. I was given a reference number 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 07/17/2017 about Debt collection (Credit card debt) with ZENCO COLLECTION, LLC (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a call from a woman named   XXXX   XXXX   claiming she was representing   XXXX   XXXX  . She attempted to get me to acknowledge and make payments on prior debts of my deceased grandmother. Upon asking this woman for detailed contact information including the firm she represents she would not provide it to me. Only a phone number. I do not believe she or her firm is a legitimate debt collector or attorney.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a collection notice from   XXXX   XXXX   XXXX   XXXX   about a balance of {$130.00} from a collection agency for  XXXX   XXXX  I have never heard or delt with this person I called the collection office twice the last time was today  XXXX / XXXX /   2017  and spoke with a gentleman who I have my info to and he stated to me that the person who owes this bill is  XXXX   XXXX  I advise the gentleman that was not me as I also stated the first time I called the gentleman ask me if I contacted the credit bureau to dispute I told him I did and that this is not a good look on my credit report because this balance is not mines I have called them twice and also disputed twice with the credit bureau but nothing has happen

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (RI).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I have asked Navient ( formerly XXXX XXXX ) to grant some sort of physical hardship delay or understand that I have had multiple XXXX since I graduated. The requests have been denied over and over and now Navient is telling us they are moving the load to a debt collector. I am unemployed with a XXXX year old child to care for, they do not care and simply keep calling for payment when we 've explained it 's not possible. I have no options according to Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Vehicle loan or lease (Loan) with AMERICAN HONDA FINANCE CORP (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had two auto accounts with American Honda Finance in the past. Despite the fact that I never missed a payment on either of these accounts, Honda is reporting that I had multiple delinquencies over the course of the accounts ' history. This incorrect information being reported to the credit bureaus, as I always made timely monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Account opening, closing, or management

Complaint: I stopped in to the bank ( Huntington Bank ) XXXX branch to close an account and was shocked to hear the account was closed on XX/XX/2017 due to inactivity. 
There was not money left in the account because they charged a inactivity fee. 
I was never notified of this and they could not produce any evidence that they tried to contact me.

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 05/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: I originally opened my card in  XXXX    XXXX   and they granted me a {$1500.00} credit limit. That was very low at the time so I contacted them and asked if they could increase it. They said that I had to wait  six months and  that at that time they would review my account for an increase and most likely I would  qualify due to my high income and excellent credit. It has now been six months and I called them to increase the line and they once again refused to increase the line but did not give me a reason why. They then tried to coerce me into keeping my account for another six month s in order to potentially have the limit increased. My other credi t cards range from 10,000 to 20,000 credit limit but this card is only 1  500. Citibank lied to me   when I opened the account stating that if I kept the account f or six months that I would be eligible for a limit increase. I then told them to close my account and they transferred me from representative to representative trying to avoid closing my account. I asked them five different times to close my account and the account is still not close d. I would either like the account permanently closed or the limit increased to at least {$5000.00}. I have never been late on any of my payments, I keep my credit limit below 20 % of the limit, and I pay the card in full every month.

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 02/17/2016 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Billing disputes

Complaint: Called CareCredit because of my inflated balance after make several payments early. They told there was nothing I could do and that I would be penalized for making early payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Problem with fraud alerts or security freezes

Complaint: After the XXXX data breach, I placed a freeze or lock with all 3 major credit bureaus. Experian is the ONLY one that charged money and they are the only bureau that I have been unable to unfreeze my credit with. There is no one to speak to on the phone and Experian 's automated system and online support 's only suggested recourse is to send a letter with my information. I have been advised that I may lose a car loan because of Experian. It is totally unreasonable to charge for a service when people have been taken advantage of and not offer any customer service. They are holding my own credit future hostage and I ca n't imagine that I am the only victim.

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 04-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I recently spoke with a Trans Union customer service agent in regards to 5 hard inquiries that were added to my report without my authorization. Last time I check my report was on XX/XX/XXXXand they were not there.

He never provided me options to eliminate these inquiries.

He are the ones I need to be eliminated : 1- Inquiry- XXXX - from XX/XX/XXXX 2- Inquiry-XXXX XXXX XXXX - from XX/XX/XXXX 3- Inquiry-XXXX XXXX - fromXX/XX/XXXX4- Inquiry-XXXX XXXX - fromXX/XX/XXXX 5- Inquiry-XXXX- fromXX/XX/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 04/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Brown’s New Credit Bureau Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: They keep showing account open and reporting it to " my credit report ''. This was discharged in bankruptcy, I would like them to show it closed.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: After the XXXX leak, all credit bureau 's should make all aspects of freezing consumer credit, free of charge. Freezing, temporary lifts, and removals, should all be free.

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