milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-10-2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (OR).
Issue: Settlement process and costs

Complaint: Ocwen mismanaged our loan documents. When we went to sell our house, they could not find a lien for 3 Months. This caused us to be homeless and had to live with no income for over 3 months. We have had issues caused by the delay. We have lost a years income and have suffered tremendously since this issue began. The loss we have is tragic, but they have also left us with an unsecured attachment to a loan that is for {$24000.00} Anyone that wanted to lay claim to me for that amount could. I have no home as an asset, yet I could owe someone at any time. Because my lien was not properly entered into their system I was left holding a loan on my credit. They were responsible for getting the financial documents processed correctly. They have the ability to hold up someone 's life by their actions. This claim needs to be resolved. I do not believe I should have been treated this way by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Payday loan, title loan, or personal loan (Installment loan) with CIT BANK, NATIONAL ASSOCIATION (TX).
Issue: Getting the loan

Complaint: XXXXXXXXXXXX said my score has to be above 580 with XXXX and 4 trades line my score is way above that with way more than 4 trades line decline my loan for no reason so if my attorney file a complaint they will have decline same credit tier remember XXXX was sued b/c of discrimination for 100 millions of dollar!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Trouble during payment process

Complaint: On XX/XX/2018 we were notified by BoA that our mortgage has been sold to XXXX mortgage and that we were responsible for our payments to BoA until XX/XX/XXXX, at which point from XX/XX/XXXX - XXXX would be responsible for our loan. 

We were unable to make payment through the website previously utilized for BoA mortgage payments, and as of today, XX/XX/2018, are officially being 'handled by XXXX Mortgage '. 

Some reviews and reading about this company and transitions for other BoA customers to their company and care made me very concerned. We have, to date, not been notified or informed by XXXX regarding account information, payment method, or any other relevant account related information. Efforts today to call them directly resulted in being informed that our accounts had not completely transferred over and were unavailable. We were then informed we do not have an account number yet and were told we were not going to be charged a late fee because we were in a grace period, but no details for the grace period were available and no definitive information or record could be provided to verify this. 

More importantly, various sites offer accounts of customers being mishandled and misdirected to the expense of their mortgage loan status and credit score/health - and without being provided ANY documentation, verification, or communication at all by this company - I am incredibly concerned. 

This whole initial experience and lack of information has us at a disadvantage that seems to wreak of unlawful behavior and complete lack of necessary procedure. Their customer service is unwilling to provide us any additional lines of communication and information and BoA is being even more unhelpful. I'm frustrated that they have created this incident and necessitated this difficult transition but have no responsibility or help to provide. 

Please help.

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 05/26/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OK).
Issue: Other

Complaint: I am an authorized user on my ex-husband 's XXXX credit cards, XXXX with XXXX and XXXX with Capital One. He has called each of these companies and asked that they remove me as an authorized user multiple times since XXXX, each time they assured him that I would be removed. I refinanced my truck in XXXX XXXX and they told me his accounts were still showing on my credit report. My credit score was XXXX at that time. I never applied for any credit after that, but I pulled my free annual credit report in XXXX and saw that his accounts were still on my credit report. He called the companies again, and was assured that I 'd been removed. In XXXX XXXX I applied for a mortgage loan and discovered that his accounts were still on my credit report, and by then my credit score had dropped from a XXXX to a XXXX. He called the companies again, and was assured that I 'd been removed. Now I just re-applied for a mortgage loan and discovered that his cards are still on my credit report, showing me as an authorized user, and because my ex-husband has gone over the credit limit on XXXX of the cards and has a past due payment on XXXX of them, and has over 30 days delinquency on the other card, all of those factors have negatively impacted my credit score significantly. My credit score has gone down from XXXX in XXXX XXXX to now a XXXX in XXXX XXXX. I do not have any negative items on any of my accounts that I have ever had in my life, or on any of my current accounts. I have never had a late payment, over credit limit, nothing negative whatsoever, my credit was impeccable. And now, because these companies have repeatedly ignored our requests to remove me from his cards as an authorized user, my credit score has dropped significantly and now I ca n't get a home loan. I want XXXX and Capital One to remove me as an authorized user immediately and I want them to restore my credit score back to where it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have forwarded a dispute with Equifax to remove XXXX inquires that are past due from the 2 year mark of removal. I have not received a response, regarding my request. 
- XXXX XXXX ( XXXX XXXX, 2013 ) - XXXX ( XXXX XXXX, 2013 ) - XXXX XXXX XXXX XXXX ( XXXX XXXX, 2013 )

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Credit card () with SYNCHRONY FINANCIAL (MD).
Issue: Billing disputes

Complaint: On XX/XX/2017, I went to Ashley Furniture in need of a new sofa. I was interested in purchasing the sofa using the 18 month same as cash line of credit that Ashley furniture offered through Synchrony bank. I applied for credit in the store via the credit application kiosk and was instantly approved for {$2500.00} line of credit. My sales representative XXXX let me know that in addition to whatever I was approved Ashley would authorize a 10 % increase which was {$250.00}. I purchased the furniture, arranged for delivery and enjoying the new sofa currently. 
On today XX/XX/2017, I registered my Ashley Furniture card that I received in the mail and did a check on my account details online. I noticed that my balance was {$2700.00} which was expected. It also showed that my credit limit was {$2500.00} and {$250.00} over the limit. I am absolutely disturbed seeing this. Going over the credit limit on a credit card is detrimental to the credit score and history. I immediately called Synchrony and they stated that I am over the limit by {$250.00}. There is nothing that they can do except request an increase for {$250.00} or me pay the {$250.00} to reduce the balance. I called Ashley Furniture and they said there was nothing that they can do as I have received my furniture. My credit report and score means my lively hood. I make sure that I make payments on time and cause nothing to negatively affect my credit. I agreed to the sale however, I did not give any authorization for the store to charge my line of credit over the limit. I signed for the total sale amount. They used this as a predatory sales tactic to get consumers to buy. I was told that they would increase my credit limit by 10 % as almost like in-house financing. I was not told that it would be reported as over the limit to the credit bureau. 
This is predatory lending to get sales and I would have never authorized someone to charge more than what my limit allowed. Please Help!

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 08-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: Hello, I do not know who Navient is and had no information that XXXX XXXX had sold it to Navient before my paycheck started getting garnished by a company called XXXX with whom sent me nothing in writing, just calls from an unknown number and no messages left. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Debt collection (Medical) with CBA of GA, Inc. (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: They attempted to collect an amount that was not owed. I responded by explain to them the amount was paid to the original debtor and asked them to verify and send me the notice of verification. 
I asked them to stop trying to contact me if they did n't have the original debt amount that was owed and the date of the delinquency. 
I never heard from them, but instead they placed damaging information with the XXXX credit bureaus with false dates of delinquency. With XXXX credit bureau they reported that the debt with them was included in a bankruptcy. ( XXXX ) With another agency they reported it paid and closed. ( XXXX ) For over seven years they have attempted to collect an amount of XXXX that was paid with every under handed tactic that violates my FCRA rights. They also changed the delinquency date to the year 2011 and updated the reports so that they would remain with the reporting agencies longer. 
I was finally given this site to make a report about their actions in hopes of getting them to cease the harassment and continued defamation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Transunion did investigate, but they still are reporting XXXX late payments on my XXXX XXXX XXXX XXXX Account. These late pays are a mistake and I have the letter from the company stating such. I need this removed from all of my credit reports as I paid on time as agreed. Thanks so much for your help!

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 07/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (SC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They have called my four times today starting a XXXX XXXX XXXX and XXXX. I have told them each time my husband is at work, they then ask for a work number, which I wo n't give. I ask if they can discuss with me, and they avoid the subject and say they 'll call back later.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Mortgage (FHA mortgage) with 1ST ALLIANCE LENDING, LLC (AL).
Issue: Application, originator, mortgage broker

Complaint: I applied for a loan for a mortgage and they told me I was pre approved for a home that cost XXXX. I went to look at the home that I wanted to purchased came back and sent in the papers for the home the home only listed for {$93000.00}. After submitting my papers back to them after the preapproval they told me we are sorry but we ca n't approve you for this loan. I asked them why and they told me after the fact due to my debt to ratio and student loans. I told them well why did you tell me that I was pre appoved and then turn around and say something different. XXXX then said well we fail to look at your financial obligations. 
I told her what did my financial obligations have to do with anything I had been paying my bills on time and had the credit score that was needed and the down payment money and then you tell me after the fact that I am not approved now. I lost XXXX on my earnest money and XXXX for inspection and another XXXX for another inspection. I want my money back the broker refuses to give my money back because 1st Alliance Lending told them and myself that I was approved at the beginning and now they say I am not. I am very upset about this because I have spent out all this money on this home and now I do n't have a place to live and have lost money on inspection and earnest money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received many letters of collection in the mail from XXXX XXXX XXXX / XXXX XXXX XXXX XXXX. I sent them a letter requesting them to validate the debt. Their reply letter did not contain any evidence that I am legally obligated to pay them anything or that they have a legal right to collect under the FDCPA. I sent them another letter telling them to immediately remove the collection trade line from my credit reports since they did not provide evidence that they owe the debt. They sent another letter saying that they " reviewed '' their records and deny their records are innacurate.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Trans Union is not responding to my requests to investigate and remove accounts that do not belong to me from my 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 10/27/2017 about Debt collection (Medical debt) with Phoenix Financial Services LLC (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XXXX XXXX, 2017 Phoenix Financial Services placed an account for the amount of {$82.00} on my credit report in violation of the Fair Credit Reporting Act. Phoenix Financial Services failed to notify me and provide adequate documantation to validate the debt is mine prior to placing it on my credit report. I have no knowledge of the account Phoenix Financial Services is attempting to collect on. Furthermore, this dept appears to be of a medical nature. If this debt has derived from my medical history, it is in violation of HIPAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My Mortgage bank was XXXX XXXX and my loan servicer was America 's Servicing Company. I fell behind on my mortgage due to lack of employment. I then applied for a loan modification and within 5 months of the beginning of the delinquency, I was solvent again. I diligently responded to each information request and this daunting process lasted two years at which point I filed a lawsuit. The bank willfully complicated the process and gave out misinformation in order to stall the process and increase the delinquency balance in spite of the fact that I had the funds to pay the full amount of the mortgage. They refused to reinstate the payments and instead demanded the delinquent amount be paid in full. I did not have the cash to pay the full delinquency amount which quickly climbed from {$2400.00} to over {$20000.00}, because of fees that were tacked on. My lawyer ( XXXX XXXX out of XXXX, TX ) advised me to stop responding to the banks requests and let the lawsuit begin. XXXX was enthusiastic at the start of the case but soon became despondent. He intentionally filed a bond one day too late and then dropped off the map. He would not return my calls. I hired a second attorney ( XXXX XXXX of XXXX XXXX XXXX ) to continue the fight and I think they lost the case by using an argument that had already been shot down in Texas courts. Then I was advised by XXXX & XXXX to get my property out of the house soon in order to avoid the inevitable eviction ( which XXXX have facilitated the eviction ). I was evicted and homeless for 9 months while I restructured my life and was able to find an apartment. I lost everything fighting this bank that lied throughout the XXXX year modification application process, leading me to believe that I was eligible and that they were there to help. I 've documented the process on my blog page - 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 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: am victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that i have made. It is the result of identity theft. Inquiries 1. XXXX XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX Pursuant to section 605B of the Fair  Credit Reporting Act, you are required to block the fraudulent information on my credit report resulting from identity theft within four business days. 

FAILURE TO DO SO WILL RESULT IN CIVIL ACTION. 

Pursuant to section 605B of the Fair Credit Reporting Act, you are required to block the fraudulent information on my credit report resulting from identity theft within four business days. 

THIS IS MY THIRD AND FINAL REQUEST FOR YOU TO REMOVE ILLEGAL INQUIRIES FROM MY CREDIT FILE. VIOLATIONS OF THE FCRA ARE PUNISHABLE UNDER FEDERAL LAW. 

Pursuant to section 605B of the Fair Credit Reporting Act, you are required to block the fraudulent information on my credit report resulting from identity theft within four business days.

Pursuant to section 605B of the Fair Credit Reporting Act, you are required to block the fraudulent information on my credit report resulting from identity theft within four business days.

Pursuant to section 605B of the Fair Credit Reporting Act, you are required to block the fraudulent information on my credit report resulting from identity theft within four business days.

Pursuant to section 605B of the Fair Credit Reporting Act, you are required to block the fraudulent information on my credit report resulting from identity theft within four business days. 
Pursuant to section 605B of the Fair Credit Reporting Act, you are required to block the fraudulent information on my credit report resulting from identity theft within four business days.

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 02/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: They where not willing to work with me when I lost my job and put multiple of duplicate accounts on my credit causing my score to go down causing more of a financial hardship for my family and I.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MI).
Issue: Loan modification,collection,foreclosure

Complaint: Nationstar has agreed to approve a borrower 's file for a short sale ( see attached docs ). I 've complied with all the terms and conditions of the initial approval docs sent to the borrower and received written instructions that the process will take 2-3 weeks once docs were submitted. I have experienced the reassignment of this file 4 times in the last 30 days that has caused unbearable delays. The last POC on XXXX required that I upload docs which I did promptly and received information that the approval should be within 2-3 weeks. After several attempts via phone and emails via equator to obtain an update, the file was sent to the Auction Dept after Equator showed the file owner changed again to XXXX XXXX? XXXX. I was informed by XXXX that because the first buyer " walked '' the file went to Auction. Actually the first buyer did NOT walk! It was determined by Nationstar that his offer was too low and would not meet the net required.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Mortgage (VA mortgage) with EMBRACE HOME LOANS (TN).
Issue: Settlement process and costs

Complaint: I was only refinancing my home and XXXX acers and when it was said and done the mortgage company had gotten the title to my farm and tied all of my land up. My mortgage is with embrace home loans out of XXXX, NC

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation