milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-10-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (VA).
Issue: Struggling to pay mortgage

Complaint: I currently have a mortgage serviced by OCWEN Loan Servicing, LLC, for a property awarded to my ex-spouse resulting from a divorce. I am listed solely on the note. The ex-spouse was supposed to make timely mortgage payments as agreed upon in the final divorce decree, the property settlement agreement, and the special warranty deed. In XXXX of XXXX the ex-spouse stopped making the mortgage payment. I was made aware of the default in XXXX XXXX, and began correspondence with OCWEN to have my name removed from the note, and sent them a completed package with the divorce decree, property settlement agreement, and special warranty deed. OCWEN rejected that proposal about one month later and placed the property in foreclosure. In XXXX of XXXX, I again contacted OCWEN and requested a loan modification. I sent in my packet along with all the relevant divorce paperwork requesting a modification or forgiveness of a portion of the balance. I explained that I would pay the remainder of the balance in cash in 60 days. In XX/XX/XXXX, OCWEN rejected that offer. I then contacted OCWEN asking how can I remedy this situation, and the customer representative recommended completing a deed in lieu of foreclosure application, which I did on XX/XX/XXXX. I believe that OCWEN is intentionally rejecting these offers because the property is now valued more than owed, and wants to sell the property out from under 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 explanation
Consumer complaint received 02-02-2017 about Mortgage (FHA mortgage) with LoanCare, LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Loan Care aka XXXX bought my loan and I started making payments to them in XX/XX/XXXX. I have made XXXX payments to them to date for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Every single payment has been applied incorrectly to my account. I made a payment on XX/XX/XXXX to satisfy my XX/XX/XXXX payment. They applied it as a principal curtailment and did n't bump my due date. I called several times to have it reversed and reapplied correctly. They eventually reversed and satisfied my XX/XX/XXXX payment BUT they applied it as of the day they fixed it ( XX/XX/XXXX ) not the day they received the payment ( XX/XX/XXXX ). Made a payment XX/XX/XXXX for XX/XX/XXXX and their automated system confirms they received it that date but they did n't credit my account until XXXX. I made and they received a payment XX/XX/XXXX to satisfy XX/XX/XXXX payment and they applied it as a principal curtailment again. I have called and called these people and nobody can tell me why every payment is applied incorrect nor do they ever fix my account. It is now XX/XX/XXXX and my XX/XX/XXXX payment is late when I made it XX/XX/XXXX. I 've called 6x just in the past two weeks without anyone resolving my issues or answers as to why this is happening. I 'm running out of time before a late fee will be charged for my XX/XX/XXXX payment, which eventually be reported to the credit bureau. They said if it gets to that point they will fix it but they have n't fixed ANYTHING yet. How will they fix a false report to the credit bureau?

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 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: # 1 ) I checked my credit report and noticed I was charged for late payments from XXXX XXXX XXXX XXXX. I had lost my job and was behind payments, but made payments every month on time. I was charged an additional {$50.00} every month due to missing one or two payments. 

# 2 ) I have no idea what {$50.00} from XXXX XXXX XXXX is. I never took a loan out from here. 
# 3 ) I received {$9.00} back from XXXX XXXX XXXX for a class action lawsuit for data overcharges. I stopped my contract due to these data charges and extreme billing. I do not owe XXXX XXXX XXXX anything. Now, XXXX has me on an account for charges and would like them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (HI).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I have XXXX high interest, private student loans with Navent that have been in default for years due to my inability to repay back the loans. I was a student at XXXX XXXX XXXX from XXXX XXXX and graduated with a XXXX in XXXX XXXX. After graduation, I found it very hard to find a job in the field of study. No agency I have applied to accepted my degree from XXXX because XXXX education did not meet the educational requirements to obtain a job in the XXXX XXXX XXXX. I have notified Navent numerous of times and I even attempted to try and repay for 3 or 4 months in XXXX but it was too much of a hardship for me so I had to stop. I explained that I could n't continue and they kept harassing me at work, at home, etc demanding repayment. I have asked them repeatedly, how am I supposed to pay for a degree which is basically a 'blank piece of paper ', in my field, when I can not even obtain a job in that field? I felt that XXXX should repay back the loan. 

XXXX is filing bankruptcy and it was announced yesterday that, you, CFPB is suing Navent for illegal practices made it harder and more costly for some borrowers to repay their student loans. And now today, Navent ( their collection company ) decides to call me again, today demanding I repay the private student loans in full. Loans that totaled approximately {$12000.00} when I graduated in XXXX and is now at approximately {$25000.00}. I am currently on the income-based repayment plan for my federal loans that is at $ XXXX monthly payment because I can not afford to repay and yet knowing full well I ca n't repay, they are demanding I pay in full the Private loans? Why? Because CFPB is suing? I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: My data was stolen in the Experian data hack and I was not notified promptly.

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 09-07-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TN).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have tried unsuccessfully to get Navient to lower my payments without any success.My payments are {$700.00} a month. I {$2000.00} before taxes. I have cosigners and they have been after them to make the payments. I am able and willing to make payments but not {$700.00}! My mom has been helping me out for the past few months. Her house burned last year and with the insurance money that she was to used to replace items in her home, she gave to me. I have called Navient numerous times asking for a reduction in payments and their only answer is my cosigners. Neither of my cosigners are financial able to help and both are retired.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: My problem started last year i started having problems paying my car but i felt like i was in constant contact with Wells Fargo dealer services to let them know of my situation. In XXXX i called the local branch which i was told was located in XXXX, Ca and made a payment and notified i would be calling back in XXXX to make a payment. XXXX came around and i knew that i was still struggling financially so i would not be able to make a payment. I called again the number to the local XXXX branch and told them i would not be able to make a payment u til end of XXXX. They said that was fine. Woke up on XX/XX/XXXX and found my car was gone. I called 2 times and spoke with two agents who were the most unhelpful people ever one of them even told me i needed to listen and at first refused to get me a supervisor. I finally got a hold of a supervisor who gave me some information but told me he could not help me that i would have to call again on Monday XX/XX/XXXX. I called Monday morning and the person has no idea what Im calling for and I the consumer have to tell him who to transfer me to. I finally speak with someone who says they have no information. I am them transferred to the presidents office to file a complaint which i did and i told them my whole story plus some additional concerns i had with the repo of the car. They say great someone will review and call you back within 10 days but you can call tomorrow about your car. I called Tuesday XX/XX/XXXX and they had no information yet. I called Wednesday XX/XX/XXXX and they finally have information but now are telling me my car is being transferred to another location. At this point i ask to only speak with the person handling my complaint. I am told she is in the office so i leave a message asking her to follow up right away. Thursday XX/XX/XXXX comes and i still have not heard back around XXXX pst so i call and am told she is not answering but transferred to a man named XXXX who provides some help but again not much as far as a resolution at this time i ask why it was repo after i made arrangements and am told they have no notes about that conversation or that part of my concern. I finally hear back i friday XXXX from the person handling my claim and again am told they have no record of my arrangements with them. My car should have never been repossessed or they should hve told me in XXXX. They claim they couldnt make any co tact with me but i have one voicemail in XXXX which is what prompted me to call and make those arrangements. They claim they have everything documented yet no one seems to know why i am calling and every person you speak with gives you different information. This has been a horrible experience and the entire company needs better training

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 10/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (WA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: National Credit System is continuing to report misleading and inaccurate information on my credit report. Which is a tatic used to keep my credit score low. Account reporting ONE MONTH TERM, How is this possible? I never enter into any contract or signed any documents with this collection agency. They have no right the furnished any information on my credit report. I never gave them any permission. They should be shut down. They are taking advantage of XXXX VETERAN like myself. They are adding XXXX to my life and is making it impossible for me to obtain credit. I have only few weeks to buy a home but National Credit Sytems is making impossible by reporting misleading and inaccurate information or my credit report. 

All data reporting must be 100 % accurate, 100 % verifiable and 100 % timely or it must be DELETED. PERIOD!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Fraudulent charges were identified and submitted on American Express PAID statements from XX/XX/XXXX-XX/XX/XXXX. Fraudulent charges were removed ( {$3300.00} ) and the remainder of the PAID charges were re-billed to my account ( {$5200.00} ). There are an additional {$43000.00} of fraudulent charges to submit from XX/XX/XXXX-XX/XX/XXXX. I have disputed and have been harassed by American Express collections. I have discussed the matter with multiple representatives and the fraud department. I explain the details over and over again. I can not resolve. I have requested a single point of contact to resolve.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-10-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: Bank of America charged my account {$300.00} overdraft fee. 

When i had roughly {$150.00} i purchased from XXXX some small cheap stuff ( {$3.00}, {$4.00} worth XXXX transactions ). For some reason the Bank kept this transaction 'pending/processing ' for 5-6 business days. When i checked my account at the ATM it gave me a missleading info saying that i have {$150.00}, so i withdraw some cash as a result my account came to zero but still positive. After few days i open my account to see negative {$300.00}. 

The problem is i was provided wrong info about my account balance, they kept old transactions pending for too long and charged when i had zero account. 

Why do not they process the transaction on time? There was a holiday ( XXXX ) i understand, then why they do not help me to write them off if it happened due to holiday?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-07-2017 about Money transfer, virtual currency, or money service (International money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Fraud or scam

Complaint: Before the end ofXX/XX/XXXX, I met someone online after 7 long years I 've been a widow, I never dated anyone so I thought I try the online dating, I did. For few months were corresponding, 24/7 communication through texting, emails, and calls..I fell in love with XXXX XXXX this was his fictitious name. During our correspondence he told me that he is working as a XXXX XXXX in XXXX business name XXXX, I checked it out then, it was all real and his name and photo was there, so everything seems to be valid and real. So then everything seems to be good. So, we continue to our relationship, I was comfortable, happy, secured, and inloved! Fast forward ... one day he told me that his company is about to give him payment for his finished construction project in XXXX government but he needed my help in order for him to get his payment to process all the documents to transfer the money in my account here in the US so when he comes and moved here financially everything would be ok. I believed in everything he said and I trusted him. So then, he said he needs {$8600.00} for the documents then, he sent me all the information of the XXXX XXXX XXXX in XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, HIS account number XXXX and IBAN OR swift. He told me to put " GOODS '' on RECEPIENT PURPOSE of payment so it would be easy to send the money I went to the Bank of America to make the wire transfer on XX/XX/XXXX, the transaction was done. We had a good communication after that ... until around XX/XX/XXXX that 's when I found out I was scammed. I was manipulated. HE IS GONE!
I was shocked! devastated, ashamed, lost, XXXX, empty! I had to call the police to report this and advised me to call FBI and also file a complaint, and I did. I had to make an appointment to the FBI office to show them all the proof and evidence that I was scammed.
It 's been months I have been so XXXX. I had to see my doctor and seek a counseling because of this. I was /am XXXX.
I ask the Bank of America, CFPB and XXXX XXXX to help get my money back from the RECEPIENT 'S ACCOUNT. It is my savings account that I worked so very hard to earn it is a CLEAN LABOR AND SWEAT! Please help me. Thank you so much.

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 03/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I took out XXXX XXXX XXXX plus loans, which now are Navient, while attending XXXX University XXXX. I consolidated all my federal loans with the XXXX XXXX XXXX XXXX, through XXXX and they have been fantastic. I am in the Public Loan Forgiveness program through XXXX and tried to add my XXXX XXXX XXXX plus loans or Navient loans and Navient refused to add them. They told XXXX that these were private loans. Navient has not only refused to add these loans to my forgiveness program, but they have also refused to lower my payment. They have kept me in forbearance for a long time. Each time I have had to pay {$50.00} per loan to keep them in forbearance. I also receive robocalls at least seven times a day. All of the actions on the lawsuit against them, I have experienced. They raised my interest rate and have added a substantial amount to my loans. I will be attaching all the documents from Navient as well as my credentials for Public loan Forgiveness. Thank you for any help you can give me. They will not work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Debt collection (I do not know) with Integrated Recovery Services (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Keeps leaving message that they will proceed with legal efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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: On XXXX XXXX,2017 I sent Transuion, XXXX, XXXX a certified letter with confirmation of delivery which was sign for on XXXX XXXX from TransUnion, XXXX XXXX,2017 and XXXX on XXXX,2017 I explained to Credit reporting agencies I have several company on my credit report I did n't sign a contract with. I ask for Credit reporting agencies to verify the credit with the company with a sign signature and photo of me to verify the debt. I also contacted the companies certified mail requesting the validation of debt I never received a response from the companies or Credit reporting agencies verifying the debt belonging to me. I have made several called many times to the credit reporting companies via telephone and I have been unsuccessful with resolving this matter. Also I have several unauthorized inquiries on my credit report. I havent requested credit with any companies in the last 6 years. I have a credit freeze on my credit file. With the freeze listed on my credit file my identity has to be verified before pulling my credit which it was n't been verified. The number listed on my credit freeze is the wrong number listed for me which is how I know my identity was never identified. Below is a listed of companies I ask for validation of debt. A sign contract with my signature and a copy of my photo. 1. XXXX XXXX 2. XXXX 3. XXXX XXXX 4.XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX Thanks for looking in this matter for me. 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 03/16/2017 about Debt collection (Medical) with Aargon Agency, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: AARGON AGENCY INC has yet to validate this alleged debt as belonging to me. I have sent certified mail asking AARGON to provide me with proof. I have not received any correspondence from them validating this debt they claim to be mine. I sent a certified letter XXXX and was delivered XXXX and still no proof of debt or signature belonging to 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 explanation
Consumer complaint received 12/15/2016 about Bank account or service (Checking account) with KEYCORP (CO).
Issue: Problems caused by my funds being low

Complaint: On XX/XX/XXXX, I logged into my account around XXXX after making a couple purchases to transfer some money from my savings to my checking. My account showed a positive balance, so I scheduled the transfer for the next day. When I checked my account 5 days later, I discovered that an E-Check came thru on XX/XX/XXXX for more than I had in my account, this never showed up as pending when I logged in on XX/XX/XXXX. Then the bank processed XXXX Debit transactions on XX/XX/XXXX before it transferred my money from savings so it could charge me XXXX more overdraft fees. Then because it went 5 days ( including weekend ) with a negative balance they charged me another overdraft fee. - Now at this point on XX/XX/XXXX, had the bank not charged me any of the XXXX overdraft charges my account would still have a positive balance. The bank charged me a total of {$130.00} in overdraft fees. This is a rip-off. I just buried my father on XX/XX/XXXX, and from total exhaustion I then was sick in bed for 3 days. I do n't need this from my bank!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/19/2016 about Consumer Loan (Vehicle lease) with U.S. BANCORP (NJ).
Issue: Taking out the loan or lease

Complaint: US Bank is knowingly and intentionally, providing miss-information to run up an accumulate late fees. Every time a called in to make a payment I was being told that there was not late fee due. Now at the end of the contract, I am being billed a total sum of late charges as part of " termination charges '' along with a termination fee. I believe this to be a calculated process to increase fee income and is unfair to consumers and fraudulent. At no time was I ever billed or asked to pay a late charge during the life of the loan.

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