milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/26/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX/XXXX/2016 I made a monthly loan payment using phone system per Ocwen phone menu prompts On XXXX/XXXX/2016 I received an email that payment has been received But on XXXX/XXXX/2016 I received a letter saying that the payment was reversed due to no account found and ocwen added about {$160.00} as late and return payment charge. I have been using same account to pay ocwen. Had I not received a confirmation that your payment has been received from ocwen on XXXX/XXXX/2016 I would have contacted ocwen and made a payment. Providing inaccurate information via email and then assessing and demanding late payment is not a fair business practice. 

I made a payment already on XXXX/XXXX/2016 in the amount of XXXX instead of XXXX ( XXXX dollars more ) please credit this extra amount and please work on improving you system so that customers do n't get charged late payment and compromise their credit history too. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (AZ).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I have received calls on my cellphone during work hours. I have verbally told them that I can not receive calls during business hours. I have told them 6 times. I went on their website and sent a message that they may not call me during business hours ( XXXX ). They have recently starting calling my office. When I logged on to submit a forbearance and/or deferment, I changed the settings showing my office number. Today, XXXX/XXXX/XXXX, they called again. I called them back. I was transferred to a " specialist ''. I informed this lady that I have filled out the Income Based Repayment documents. She had me listen to a recorded message and stated that she had updated my file ( s ) and the calls would stop. She did warn me that they would start up again on or about XXXX/XXXX/XXXX if I have n't submitted the documents. Fast forward 3.5 hours, another call at my office.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Collection Management Company (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To whom may concern I have placed a complaint with the credit consumer report due to fraudulent behavior on my credit report with your company.. it shows that I have borrowed money from your company for medical loans. I have never even had a medical loan in my life! So if you would please contact me regarding the bogus information posted on my credit I would greatly appreciate ... there is a company and several medical companies on my credit information with loans on my acct For commonwealth fiancial and I have never did business with this company ever in my life! So I would love it if they removed the fraudulent information off of my social security number thank you! There are four different times your company is listed for the amount of XXXX x4 on my credit please contact me regarding this matter as soon as possible where your company is hurting my fiancial life! Fraud Fraud Fraud Thanks XXXX XXXX XXXX Sent from my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Was not notified of a debt owed before placed into collections. They did not send back up documentation of debt owed. Excessive monthly charges, extortion to intimidate if do not settle credit will continue to be damaged and I will not be able to buy a home. If I do pay in full, it will still remain on credit report and lender will not let me buy a home. That it is better to wait the 7 years. They harass me, are rude, degrading in telling me I should of read the lease. That I can call a lawyer but there is still nothing I can do. This is detrimental to me and my family.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2015 about Bank account or service ((CD) Certificate of deposit) with POPULAR BANK (DC).
Issue: Account opening, closing, or management

Complaint: I received a combination letter/form fromPopular Community Bank. The letter indicated that I had an inactive account ( the account number was on the letter ) that would be turned over to the XXXX if I did not take some steps to activate the account by a date in XXXX. I called the number on the form ( I checked on line and the number on the form was the number listed for the bank ). I spoke with a representative to confirm the contents of the letter and asked how to just withdraw the funds. I was told that the account needed to be reactivated first before the withdrawal could be made. I asked if the request for withdrawal could be made at the same time as the activation request. I was told yes and returned the form with my request for the withdrawal of funds. On XXXX XXXX, 2015, I received a call from E-Loan where the original account had been opened. I was told that if I wanted the funds withdrawn, I would need to do so on the e-loan site not in writing as previously told. I took the number and called back ( the number listed on the e-loan website was the same number I had been given ), talked with someone else who gave me the same information. I spoke with XXXX representatives of e-loan and XXXX representatives of Popular bank. Each said I needed to follow the e-loan process. I went on line to make the request yesterday. When I entered my information to set sign into the account ( I was really setting up and account because I could not find the original account information ), I received an error message. I also sent an e-mail to Popular Band customer service but have received no response. I am worried that I have been the victim of a scam.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2015 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I disputed an account on my XXXX and Equifax credit reports that I believe is invalid or possibly the result of prior identity theft. 

The account was deleted, but then was re-added by another debt collection company who modified the date to re-age the debt so that it would appear as a recent debt causing more damage to my credit score and prolong the duration that it would appear on my credit report. 

The invalid account is listed as {$110.00} owed to XXXX XXXX XXXX XXXX, account # XXXX, opened on XXXX/XXXX/2015. 

I disputed this account a second time with the assistance of the Consumer Financial Protection Bureau and the Colorado Attorney General 's Office. The debt collector stated that they believed the debt to be valid, but would have to deleted from my credit report while the investigation is ongoing. 

As of today, this invalid information is still on my credit report. I have attached the letter from the debt collector stating that they have requested the credit bureau to delete this account. 

I am asking that the credit bureau act promptly on this delete request.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Bank account or service (Checking account) with FIRST NIAGARA FINANCIAL GROUP, INC. (NY).
Issue: Deposits and withdrawals

Complaint: On Saturday XXXX XXXX at XXXX. I deposited XXXX cash in the atm at First Niagara Bank in XXXX XXXX, NY. Later that morning I had a paypal transaction, and a coffee shop transaction. On Monday, I checked my account and they put the debits before the deposit, which cause me XXXX NSF fees. I deposited XXXX cash into my other account at the same time. and I also got an NSF fee for that account

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Debt collection (Other debt) with Amsher Collection Services, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I was unaware that someone open a XXXX account in my named until I received a notice of me owing {$1100.00}. I called XXXX to report identity theft and explained the situation. XXXX from XXXX told me he would handle it and that someone will be calling me. No one ever called me or contacted me regarding this matter. 
Today I received a collection notice form AMSHER Collections Services for the Amount of XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Consumer Loan (Installment loan) with Enova International, Inc. (CA).
Issue: Taking out the loan or lease

Complaint: I have taken out payday loans with Cashnetusa.com with no problems. However, I decided to take out an installment loan for {$2600.00} because of dental work I am having done. Most installment loans take out a payment once a month around {$200.00}. However, Cashnetusa.com is taking out XXXX every two weeks for 38 payments which equals {$7800.00}. This is over triple times the amount of the loan I took out. I live in California and looked up the laws before deciding to contact you. I take my debt seriously but Cashnetusa needs to amend my loan immediately

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 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 ignoring my requests to investigate an account from my credit file that does not belong 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 06-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Great American Finance Co (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Great American Finance is a fraudulent account that was opened in my name. I was successful at getting the account removed from XXXX and XXXX but not XXXX. I have reported this account as fraud with XXXX and they always say the completed results have verified the account belongs to me. I have even sent a complaint with consumer finance and XXXX responded saying Great American Finance provided them with my correct birth date, social security number, address and name. Which makes sense because the person who opened the account stole my identity and used all of my information. The account is not mine and they continue to report inaccurate information to XXXX. I went to the police station filed an identity theft report and the officer even spoke with a representative from great American finance who said if I fax the affidavit and identity theft report, they would delete the account. This has yet to occur

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Using a debit or ATM card

Complaint: I have a checking account with Citibank. As I was going through my automatic payments online yesterday on XX/XX/XXXX, I noticed a monthly charge of {$25.00} service fee. I than checked the past account details going back to XX/XX/XXXX ( I did not check older dates ) and noticed that I was penalized by {$25.00} in every month of XXXX for not having sufficient funds. As I called their customer service, I was told that if the balance goes below XXXX, I would be charged {$25.00} as service fee. My argument is, when I use my citibank card outside XXXX, I would receive an alert from Citibank to confirm about that particular payment, however, when my balance goes below XXXX, I would be charged {$25.00} without any notice via text or phone call. I already talked to the branch manager earlier, and downgraded my agreement. The manager agreed on paying me back for only past three months. I have always trusted Citibank until now, yet unfortunately due to this dishonest policy I am extremely disappointed. The Citibank took advantage of my unawareness. They should discontinue such dishonest policy to take advantage of customers or at least they should inform the clients via phone call or text message promptly before they penalize them. 

ps : After talking to the branch manager today XX/XX/XXXX, I tried downloading the transactions beyond XX/XX/XXXX but it did n't allow me to view older transactions. Therefore, I am only able to attach transactions until XX/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 monetary relief
Consumer complaint received 11-12-2016 about Credit card () with SYNCHRONY FINANCIAL (NJ).
Issue: Payoff process

Complaint: I financed some dental treatment through CareCredit/Synchrony Bank which offered no interest payable promotion for twelve months. I am at the 10/11 month stage and intend to pay off the charge in full to avoid interest charges. The account is " paperless '' and managed on line. Nowhere is there any provision or " menu '' for online payment in full ; and telephone contact is limited to a automated menu, unless you are willing to pay {$10.00}. to speak to a representative. I will not pay to speak to an agent, but I have persevered in locating the home address of Synchrony Bank in XXXX, and will send them a check for the full balance. 
It is obvious to me that the " paperless '' format for managing an account is designed to make it next to impossible to pay off an account in full exposing the card holder to the post promotional high interest rates. 
I request that you investigate this matter and take such action as you may deem appropriate. 
XXXX XXXX NJ 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 05/24/2015 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Please refer to original complaint # XXXXXXXXBrief summary, I made final payment on HELOC on XX/XX/XXXX in the amount of {$45.00}. On XX/XX/XXXX more than 7 years later, I get a notice of a lien hold on my house in the amount of {$36.00}. So I submitted a complaint to you. 
On XX/XX/XXXX, I get a call from XXXX XXXX at XXXX xt XXXX confirming that there was never any communication made to me about outstanding fees. She stated the only communication they sent me was dated XXXX that the account was at a XXXX balance and instructions on how to pull more money out. She advised that the {$36.00} were fees when I closed my account, that the {$45.00} was interest and the reason that I was not told about the {$36.00} fee could be from the Wamu merger. She assured me that the lien would be lifted and she would send me a letter stating so. 
I got her letter dated XX/XX/XXXX advising that this communication is an attempt to collect a dept. Which is in direct conflict to what she told me on the phone the day before. 
I tried to log on to my account several times to file a dispute, however, can not log in. I called your tech support on XXXX, was able to get in and now today XXXX am locked out again.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with QUICKEN LOANS, INC. (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Quicken loans or known as XXXX, through hard background pulls, pulled my credit 2x in 2 days which lowered my FICO score by 150 points they claimed that was not possible but hard pulls happened to be the only change and I was STUCK using them bcuz other agencies would only affect in additional negativity on my credit report because of this I was not able to get a conventional loan for which I previously qualified. Of course lies were made promising this would be looked into and corrected but when I pushed for results and correction updates I was told that the only thing they can do IS RERUN my report which would n't help me at all and would most likely make my rate higher ... I was disgusted but unable to do anything ... the option they offered was to refinance in 6mths through them ... this must be stopped they lied az well as raised rates after the facts. I would have sued but they knew I was n't able to afford it after adjusting my fees and constantly changing where money was going to and from ... people should n't feel so hopeless and I was n't able to get them to remove one of the hard pulls asked for help received none

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Debt collection (I do not know) with Credit Protection Association, L.P. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I got a call from XXXX. It was a recorded message saying that they were collecting a debt and they were from Credit Protection Association. They left a reference number and to call a number to make payment. 
Payment for what? I researched CPA, called their billing department. There was no answer. 
Right after a hang up. I got a call from Florida, XXXX. It was a man asking for XXXX. I can hear him typing. I said wrong number and he hung up. Ca n't be a coincidence. 
Now XXXX checked my credit yesterday, XXXX XXXX. 
Both XXXX, and CPA collect debts. But why do n't they say what debt or who are they representing? I checked my credit, and I do not owe anything. 

Please check into Credit Protection Association. They may be working with XXXX. May be the same people. 

It 's not right that they scare people like this.

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 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
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 XXXX XXXX XXXX discharge and my credit score went up fell went up and fell again.. what is the meaning of this ...

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (MD).
Issue: Settlement process and costs

Complaint: I receive a Proposed Modification to my mortgage and contract XXXX on XXXX XXXX, XXXX. Reviewing the documents I question the, at best misleading and at worst deceptive, nature of the disclosures accompanying the contract. 
First of all, XXXX XXXX of the accompanying explanation is missing. I notified my contact with my mortgager by phone and requested the first page be emailed to me, and as of this date, that has not been done. I have followed up with an email and am awaiting a reply. 
Based upon the Exhibit # XXXX and the Contract itself, there are several points that are misleading. 
Lacking the specifics from page XXXX, I turned to Exhibit XXXX ( attached, as is the contract itself ) for clarification. According to the Proposed Modifications column ( right side ), I will be paying 3.5 % interest initially, then I will pay 3.625 % interest ; Exhibit # XXXX does not clarify when that will go into effect. However, the contract contains a table that explains that the first rate will apply for the first 60 months, and the higher rate will apply for the remaining 237 months of the contract. Here the proposal is vague, although there is room on the right to add the 5-year/60-month notation. Additionally on the left, there is no indication of what the current completion date is, and the XXXX on the right implies that the mortgage will be a shorter term loan. However, it is clear that 11 months have been added to the current completion date XXXX XXXX XXXX/XXXX/XXXX. 
Additionally, although the contract clearly states that I am agreeing to repay {$400000.00}, the Exhibit implies in the right column that there has been a principle reduction to {$350000.00} ; not that that is the actual amount due after paying down the principle for 5 years. Furthermore, the {$00.00} balances under penalties and charges on the right imply that those have been forgiven, not that they will be paid off within the first 5 years of the proposed modifications. 
Additionally, nowhere in the paperwork I have received have I been credited with the {$2600.00} payments I have made in the last 3 months, nor has any indication been made as to how the funds impacted the amount currently owed.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (FL).
Issue: Shopping for a loan or lease

Complaint: On XXXX XXXX, 2016 Ally Financial sent me XXXX different letters pertaining to my disputes rewarding inquiries that I observed on my XXXX Report. I wrote Ally Financial a letter on XXXX XXXX, 2016 advising that I did n't recall giving Ally financial authorization to do a hard inquire on my credit report. Ally Financial has placed the burden on me to contact the original institution to verify that the inquire were authorized which is a violation of the FCRA ( 1681 ( a ) ( 4 ). Ally Financial is not acting in good faith because my individual dispute with XXXX regarding the inquire XXXX XXXX XXXX by Ally Financial, XXXX deleted the inquire from my credit report because they were unable to provide me any documentation that gave them or Ally Financial to conduct a hard inquire on 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 11/20/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech financial took over my greentree home loan. Every month they some how XXXX up my payment, then add on late charges. After that they call me during work telling me I owe them a more than twice as much as my normal payment. The only response from the representative is " that 's what our records show ''. I have automatic payment, how do they seem to mess it up? So frustrated. They XXXX me off so bad I told them to come and take my home. About 2 days later they sent a representative out to my home and kicked the door in and left a note. I have tried very hard to keep right with them, they always find a way to be able to charge me extra for their own gain. I really hate greentree and ditech..

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief