milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/29/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been dealing with Ocwen loan servicing for sometime now. I am currently in the loan modification process with a full complete package. While in the modication process Ocwen has a current sale date for XXXX. This is the XXXX sale date put on my house while trying get a modification. This is a violation of my CALIFORNIA XXXX. California XXXX Foreclosure Law. An attempt again to try to commit a Wrongful Foreclosure. There is no excuse that Ocwen can come with to justify this. The foreclosure notice is by a Duly Appointed Trustee. XXXX XXXX XXXX. Which does not own the debt who I would make payments to. CALIFORNIA XXXX SUPREME COURT RULING Feburary XXXX 2016 quoates that in its ruling. A BORROWER DOES NOT OWE THE WORLD AT LARGE ONLY TO A PARTICULAR PERSON OR INSTITUTION. ONLY THE PERSON OR INSTITUTION THAT OWNS THE DEBT AND PAYMENTS ARE MADE TO CAN FORECLOSE. PLEASE STOP BREAKING THE LAW NOW. No excuses. I am very for my life because of the great amount of STRESS OCWEN HAS PUT ME UNDER. I am currently under medical care for my XXXX XXXX. STOP BREAKING THE LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Debt collection (I do not know) with First Recovery Solutions, Inc. (MI).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: keep getting calls from XXXX, when I talk to a representative to explain I do n't know who they are looking for, they put me on hold and never come back. This harassment has been going on for weeks now and they call almost every day.

Company response to consumer: Untimely response
Consumer complaint received 06/28/2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (FL).
Issue: Trouble during payment process

Complaint: My property address is XXXX XXXX. XXXX XXXX XXXX XXXX, FL XXXX I am a XXXX XXXX with XXXX and fully financed a condo. I had a first and second mortgage ..The first was recorded in error before the second by the title company but, they were with XXXX XXXX # XXXX and Citigroup XXXX . I was told when I entered the HAMP program that the second mortgage with citi did n't need to be included. I now have a personal judgement against me by citi for the full amount plus interest on a still upside down loan where that property wo n't be paid off until 2044. I am trying to deal with Citigroup but, they told me this account was archived. I 'm not sure where I stand on this or what my rights are regarding this situation. Any assistance would be greatly appreciated.

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 05-10-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I setup a repayment plan and was making the required monthly payments and then my credit is hit with a 90 day delinquent report from my school loan. After speaking with a couple of representatives I was told my plan expired without my knowledge and I should have been paying twice what I was paying for over 6 months! I wrote a credit dispute to my school loan as instructed to remove the delinquent report and have since applied and have been approved for a new payment plan but my school loan denied removing the delinquent report without providing an explanation. I am submitting my 2nd dispute to get this resolved. I am trying to buy my XXXX home and this report has dropped my score over XXXX points!

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: I requested a fraud alert at TransUnion online per instructions from the FTC in relation to the XXXX  breach. Upon completing security questions, I was told I was unable to verify my identity. I answered all questions correctly, however for the one asking which one of the four credit cards I use, was forced to pick only one, even though I have three of those credit cards. I was able to add the alert by phone but had to go through two sales messages which was a waste of my time, for something I should have been able to do online when I answered all questions truthfully. The phone number provided was a recorded line, thus I could add the fraud alert successfully, however could not tell them my security question data was inaccurate.

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 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Did not mark my account as disputed within 30 days. 
Also, has NOT validated this account with a signature. This is the letter I sent them on XXXX/XXXX/XXXX : This letter is in response to your recent claim that XXXX XXXX, has verified that the account they are reporting under my name is accurate. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response, or XXXX verification is unacceptable. I am requesting a re-investigation AND your method of verification. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance. 
I further remind you that, as in XXXX XXXX Trans Union Corp., XXXX. XXXX ( XXXX. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.

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 05/21/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX # XXXXProperty : XXXX XXXX XXXX, XXXX XXXX, NY XXXXHi, my name is XXXX XXXX, and I work at the Law Office of XXXX XXXX XXXX. The reason for the complaint is due to we have been in process of a Loan modification since XXXX 2013 with Wells Fargo, and received a negative notice against the Loan. The file was removed from Litigation and Settlement conferences, making us negotiate directly with the bank. We summited a complete Loan modification Package on XXXX 2013. Due to Litigation, the file was delayed for nearly a year and a half, and now we got denied for Wrong Income usage. We appeal the decision made, and Wells Fargo claim the correct income was used to calculate the Loan Modification, which it does n't even match the income that was include on the RMA with evidence of this income. We have complied with every request as far as a Loan Mod docs, and we have provided more than enough evidence to support the income. 
The HO was paying a monthly expenses to do a P & L statement for his personal income, he invested over $ XXXX/month executing P & L statement due to accounting charges, with an end result of a denial. 
HO really wants to keep the property, we need Wells Fargo to make the changes in the income used, and provide the HO with the Loan Modification which was Applied. 
We want to placed a complaint against Wells Fargo for not providing the right opportunity for HO

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Problems when you are unable to pay

Complaint: Methods of collection calls are in violation of Fair Debt Collection Act. Making numerous calls to non listed references and leaving contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX of 2014 I applied for a loan modification with Nationstar Mortgage. I 've been jumping through the hoops for the LAST YEAR to get the loan changed to lower payments ( like they used to be with Aurora Loan of {$1500.00} a month ). Last week I was called, and told that I did not qualify for a loan modification. When I originally applied ... .I was starting a new business, and did not have the funds to make the new payment of {$2800.00}. I requested that they be {$2000.00} or less. And could they lower the principal loan amount, as the home has dropped in value. They had recorded with the XXXX County Recorder, a default of loan. So they can start foreclosure at any time. I 'd gone through this with Aurora 5 years ago ... .and they lowered my payment. But when it was sold to Nationstar ... ..it immediately went up. My new business is doing well ... ..and profits are up. I 've attached my XXXX most recent bank statements ( personal and business ). 
Thanks, for you help. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Credit card () with SYNCHRONY FINANCIAL (AZ).
Issue: Billing disputes

Complaint: # 1. I cancelled a product protection plan from Ashley furniture and they have not fully credited my account for {$790.00}. # 2. They have not sent me any updated invoices as per changes, returns and/or credits i.e. console {$230.00} that was returned on delivery and free delivery/taxes ie ... {$8000.00} - $ XXXX $ XXXX balance that should have been {$7400.00} not {$7400.00} # 3. I get asked to wait for a resolution from the Ashley home who has never contacted me. # 4. I had to open XXXX dispute claims for the same issue with Synchrony Bank and keep getting no results because Ashley Furniture sends them false info. The last update actually indicated that my dispute was won. But No amount was credited to me on the next invoice. # 5. They have changed my disputed amount of {$290.00} to {$290.00}. 
# 6. They keep referring to purchases that were made on a different Credit MasterCard and invoice which had all returns credited to me immediately, with the original invoice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/18/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with TD BANK US HOLDING COMPANY (NJ).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: Trying to login with XXXX app but td is blocking it

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Problem with fraud alerts or security freezes

Complaint: I am trying to pull my own Equifax credit report, but my online acces to do so has been restricted.   Even when I pay to access my Equifax credit report online, I am only provided my old information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/13/2016 about Credit card () with CITIBANK, N.A. (DE).
Issue: Credit determination

Complaint: Today I applied for a Sears MasterCard and was given a number to call XXXX application number XXXX. So I called the number and spoke with a representative stating the reason I was denied was due to a recent Sears card. I inquired for the dates and numbers. I was then transfered to the recovery unit. I filed bankruptcy in 2010 and Sears was included in my bankruptcy. Except when I spoke with the recovery unit they explained to me that I had XXXX account with them and they were sold to an collection agency. He did not give the name of the agency just a contact number. The Sears accounts were included in my bankruptcy and Sears should not still have me in a recovery status. At the time of my application I should have been approved not denied due to a previous bankruptcy. I have been approved for other cards with this company and not denied. So the recovery unit needs to un-flag my name because it has been 7 years since my bankruptcy. The collection name at the time was XXXX XXXX XXXX and both accounts are in my bankruptcy. Why they were not notified I do not know.

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 10/22/2015 about Bank account or service (Other bank product/service) with NETSPEND CORPORATION (GA).
Issue: Using a debit or ATM card

Complaint: I used my Netspend card at XXXX of their " FREE '' ATMs. AFTER logging in and clicking " withdrawal '' I was then asked whether the w/d should be from Savings or Checking ( I was given the choice ) ; so I chose " Savings ''. The machine then denied the choice IT gave me and charged me a decline fee for insufficient funds ; not because the amt was n't in my saving account, but because ( from calling them ) they say they do n't allow withdrawals from savings. If you 're going to charge a fee for an option you do not allow, you should n't offer the unallowed option as a choice. Please look into this. I have saved the receipt and I 'll supply you with what you need. Thank you XXXXXXXXXXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: I have sent over 3 letters to XXXX showing them proof that the information they have on file is incorrect and they have refuse to fix the issue. I have show them I was issue XXXX by the following company back in XXXX which my balance should be {$0.00} and the charge off date they have on file shows XXXX which is incorrect. They are refusing to remove it there inaccurate information and stated they have verify with the company which is wrong if they did they would see a XXXX was issue.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: My husband passed away on  XX/XX/XXXX , I went to Bank of America  2 w eeks later and gave them his  Death Certificate.  BOA immediately shut down his online banking and closed his BOA credit card. They told me nothing else could come in or out of his credit card. As stated when I got home on the online banking was longer available. Two days later  XXXX  was taken out of our joint account for the cc. Spent ov er 3 hou rs on the phone, it took several weeks until they resolved the issue and then put the money back into the account. This happened again i n  XX/XX/XXXX ,  XX/XX/XXXX , and now again in  XX/XX/XXXX .  Everytime they tell me they have resolved the issue and that it would not happen again. Today I spent and hour and 41 minutes on hold and talking with no results, but with a promise of a call with in 72 bu siness hours. They have said this before, but I always end up calling back and going through the whole routine again. Last time I threatened to call CFPB and the money was in my account  XXXX  in 12 h ours. That did not work this time. None of the other  XXXX  accounts were paid out of my his online banking except for BOA. Very strange?

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 02-01-2017 about Credit reporting () with EQUIFAX, INC. (KY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: For the approximately the past six months, I have been unable to obtain my free annual credit report from Equifax. I go through all the prompted steps for receiving the report and authenticating my identity ; however, each time I make the attempt Equifax responds with the following message : " Online Delivery Unavailable. We are unable to deliver your free Equifax Annual Credit Report online. '' From there it provides a way to make the request by mail. In order to request the report by mail, they want me to send them a copy of my social security card or a document containing my social security number, along with my drivers license or another document authenticating my mailing address. 

I have been able to obtain my credit report from both XXXX and XXXX online with no problems, utilizing the same authenticating information. A simple XXXX search has shown that this is a common and repeated problem with Equifax. Unfortunately, there are many negative items showing on my Equifax credit report which I can not effectively clear through the dispute process because they will not provide me a copy of my credit report. Based on a recent pull of my credit by an organization, they identified multiple negative items on Equifax which were not presented on either XXXX or XXXX. This is creating significant hardships and I chose to address the issue with the CFPB due to the large numbers of people online indicating that Equifax is doing the same thing to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/25/2017 about Money transfers (Domestic (US) money transfer) with SUNTRUST BANKS, INC. (FL).
Issue: Incorrect/missing disclosures or info

Complaint: Asked for correction of a XXXX from Suntrust. They refused our bank also. We moved our funds from one IRA to another IRA at XXXX. XXXX told us to get a cashiers check made out to XXXX doing business for XXXX and XXXX. We did. We did not touch the money, but they show us as a gross distribution, not a transfer. Our bank, XXXX, called and talked to their IRA department. They were told that Suntrust would throw their forms in the trash and would not correct this. Suntrust also told us we would have to go back to the bank in XXXX, GA that handled this. We live in XXXX FL now.

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 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TrueAccord Corp. (MD).
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 XX/XX/XXXX, I submitted an online dispute at XXXX  regarding the account XXXX XXXX. My dispute was on the basis that as of XX/XX/XXXX, the account balance of {$840.00} was paid in full. I included my emailed receipt confirming this payment. On XX/XX/XXXX, I received an email from XXXX stating that the dispute has been updated. Upon review of the account, it now reports, " Account charged off. {$840.00} written off. '' Considering that the account was paid in full, the status should reflect that it was " paid collection. '' I contacted XXXX customer service on that date and was told that XXXX XXXX is denying receiving payment. I was also told that when disputes are initiated, the authenticity of the supporting documents are expected to be verified by the original creditor, thus they have the final say. This is ridiculous! Regardless of what XXXX XXXX is stating, I submitted proof that the account has been paid in full, therefore my credit report should be updated to reflect " paid collection. '' XXXX is neglecting this proof.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation