milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-02-2018 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (NC).
Issue: Trouble during payment process

Complaint: My wife and I have a mortgage on our property and the loan is serviced by Ocwen. We received a notice from Ocwen stating that by law they are required to cancel PMI payments when the amount we owe reaches 79 % of the value of the home. We started paying off our loan on XX/XX/XXXX. We put down an additional {$10000.00} on XX/XX/XXXX and the amount we owed on our home was {$130000.00}, original value of our home was {$170000.00}. We owed 77 % of the original value of our home on XX/XX/XXXX. Since then Ocwen has been charging us PMI payments of {$29.00} every month. Ocwen refuses not to remove PMI from our loan and refuses to return the 19 months of payments we have made which total {$550.00}. We need help getting our money back and also getting Ocwen not to charge us PMI when we don't owe it anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Riverwalk Financial Corporation (WA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I found an entry on my credit report with XXXX that claimed a collection report by XXXX XXXX XXXX XXXX owed to XXXX Colleges in the amount of {$130.00}. The date opened was XXXX/XXXX/XXXX. This does not make any sense since I have never owed XXXX XXXX any money and even if I did, no attempt was made to collect in the first place. 

I disputed this with XXXX but they would not remove it. XXXX XXXX is of no help since they will not even talk to me. I feel that based on the history of XXXX and the fact they are unresponsive to this fraudulent claim, this item needs to be removed from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have one private loan along with Federal Stanford loans. When I asked if I could reduce the interest rate or reduce payments I was to, d that I could not change the terms. I was transferred around and really given the runaround.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Debt collection (I do not know) with URS Holding, LLC (MI).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Enterprise Recovery Systems out of IL contacted a coworker at my place of business. 

This is from an IM of that conversation : " XXXX XXXX [ XXXX ] : Hello, I have XXXX from Enterprise Recovery Systems Incorporated calling asking for you, are you available? 
XXXX XXXX [ XXXX ] : She is no longer on the line, I sent her to your voicemail. I also got contact infotmation for her. 
She can be contacted at XXXX Option 1. Ext # XXXX '' I contacted XXXX and she said the only way I could verify my identity was to provide her my SSN. I refused and she mentioned that the calls to my employer may not stop till I provide my SSN. I spoke with her supervisor and she said that I need to give them my SSN. Ultimately, I said no and she hung up on me. 

Companies should not call and ask for SSN and other companies should not give that information away. They would not tell me anything about the debt till they got my SSN. They should not have my SSN. Companies should not give SSN 's to mom and pop debt collectors that could not tell me they are keeping that information safe!

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Credit card () with JPMORGAN CHASE & CO. (MD).
Issue: Other

Complaint: I applied for a Chase Saphire Credit Card on line and included the amount I wanted to transfer from another card. I received a call verifying that I had applied and once the caller identified me and ensured I was the applicant, they told me I was qualified for the card. I was never told the credit limit and since I had indicated the amount I wished to transfer, I did not ask. I received a letter a week or so later stating that around XXXX % of the amount requested had been transfered and that the credit limit was about XXXX % of the total of the amount requested. I called to ask them to reverse the transfer and delete my ever having had this card as I know that any application for credit is shown on your credit history. I also asked why I was not told about the amount of the transfer and credit limit. I was asked if I was told this information and I said no and they told me they would have to look into the matter. In the meantime, my credit rating has dropped almost XXXX points from excellent to fair as a result of the new credit card. I have had excellent credit for a decade having restored it myself from a lesser rating. I have never reneged on my debts nor do I intend to now. I simply wanted to reduce the amount I pay in interest each month so I can pay this debt off more quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I disputed with the credit bureaus and told them that there are multiple duplicate student loan accounts on my credit report and if they ca n't determine which ones are duplicate and original, that they must delete them all.

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 09/18/2015 about Debt collection (I do not know) with Nations Recovery Center (NY).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I never received a notification of their response to my first claim which made me incapable of responding. My new complaint contains additional illegal debt collection practices1. Nations Recovery Center Explanation of my original complaint was at least 75 % lies. 
2. Reason of complaint closed stated " Consumer can not resolve account and made fales claims. '' Which is incorrect and it is the Agency made false claims3. They stated I confirmed the address on file was an old address of mine when I really said I never lived their4. They made the initial call and started stated personal information before I even confirmed it was my debt and they never verified if they had the correct person when they contacted me5. Release of personal debit collection information without verifying if I was the correct person is s violation of the law as well6. It was the company that called and never stated in the beginning this is an attempt to collect debit and the call may be recorded and monitored. The person stated this 10 minutes into the call. 
7. I asked for verification of debt and he stated he would not send it. because it is too much work. Since my address on file was not mine, and I never heard of this account does n't mean it is my debt because of the same last XXXX digits of my SS number. 

8. He lied about laws of NY State debt collection and stated to me they will go after me 10-20 years and not correct. NY has a 7 year limit and starts from the first delinquency. 

9. Since he stated he gets money from people that are XXXX from their social security income 70 % of the time after they die is not a true statement or stastatistic10.After I explained to him all of these illegal debt collection laws he violated on this XXXX phone call, he hung up right away

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 09/25/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of america has me in foreclosure. Right now BOA has summitted XXXX different original notes in my foreclosure case. The case started with a lost note count, which they submitted a copy of the note with a blank endorsement on an allonge, then over 2 years later they filed a different note that had the blank note endorsed to Countrywide, XXXX additional endorsements on the allonge, and other markings on the note itself. This note was filed in the official records, dropping the lost not count, with a sworn statement that it is the Original Note. Then months later they submitted another note, with another sworn statement that it is the Original note, that had the original blank endorsed note that was filed with the court as a lost instrument. This is clearly fraud upon the Court. After they submitted the endorsed note in their answers to my request to produce, I filed a Motion For Summary Judgement, on the no standing issues. After I filed my MFSJ, the plaintiffs submitted the endorsed note, into the official records, with notice of dropping lost note count, with a sworn statement that it is the original note. In the plaintiffs opposition to my MFSJ, they filed another note, which was claimed as the original note, by sworn statement, which was the Orignal note that they filed in thier complaint with a lost note count. So they filed a note in the official records, then filed the other note afterwards. The Judge denied my MFSJ, and set the case for trial, when I brought all this to her attention. She said they probably have a good explaination for why they have XXXX Original notes in my case. The only thing the plaintiff said was that the XXXX notes are identical, and that is a lie. I have the transcript from the hearing. I went to Court on XXXX XXXX, 2015 on my MFSJ, and on the XXXX XXXX, 2015 I recieved a letter from BOA that they are transferring my servicing rights to XXXX XXXX XXXX as of XXXX XXXX, 2015 This is just another way of getting away with fraud and forgery. I ca n't afford a lawyer, and the bank has not put anything in my court docs about any trial or anything else. So Bank of America is attempting to slide away into the darkness, like none of this ever happened. I wrote the Attorney General, and they gave me your number, so I am here to file an Official report of what is going on in our Court system. Fraud should not be tolerated in our Justice system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Debt collection (Other debt) with Focus Holding Company (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: We had a   XXXX   bill and it was paid.  XXXX  messed up the billing and somehow said we owed a amount that is not owed. We have contacted  XXXX  and have on a recorded conversation that this debt is not owed.The conversation between myself and a  XXXX  representative clearly states that a  XXXX  balance is owed. And he would get me a statement showing so.He also clearly states that the collection company needs to update it on there end. And cease with any further attempts to collect on this debt. As it is not valid.   I have spoken to focus recievable management several times including the floor supervisor. They always say this will be taken care of and they will get back to us, But then we never hear from them. They have a copy of the recorded conversation as well. And refuse to acknowledge it.This is in violation of the FDCPA especially when we have a recorded conversation stating from the original company that the debt is  XXXX .   Attached is the recording which clearly states that there is a  XXXX  balance due. I also have attached the final payment we paid to them for proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Mortgage (FHA mortgage) with NOVA Financial & Investment Corporation (AZ).
Issue: Application, originator, mortgage broker

Complaint: XXXXXXXX XXXX of NOVA Home loans is running this ad. It 's steering. Any house is eligible for a {$0.00} down through Home plus program or Home in XXXX. He is steering people to that particular website saying that all those homes are eligible for {$0.00} down which is a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Consumer Loan (Vehicle lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (FL).
Issue: Managing the loan or lease

Complaint: GM FINANCIAL STILL CONTINUES TO REPORT THIS AND NOW SHOW AS PAID OFF AND ZERO BALANCE. 

I CLOSE ON A MORTGAGE ON XXXX/XXXX/2015 AND THIS MUST REFLECT PAID OFF WITH ZERO BALANCE AND ZERO MONTHLY PAYMENTS ON MY CREDIT BUREAU. 

I WAS NOTIFIED THIS WOULD BE DONE BY XXXX/XXXX/2015 AND IT IS NOT DONE!. 

I NEED THEM TO FOLLOW PROCEDURES AND TO EXPEDITE THIS TO THE CREDIT BUREAUS TO HAVE THEM ALL SHOW THAT MY LEASE IS PAID OFF AND HAS XXXX PAYMENTS LEFT AND HAS A XXXX BALANCE. 

XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-01-2015 about Mortgage (Other mortgage) with BAYVIEW LOAN SERVICING, LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: my loan was transferred from XXXX XXXX to Bayview loan on XXXX/XXXX/2015 and from the beginning there was problems with their accounting for crediting me with previous payments to my former XXXX XXXX. Finally after months of exchanging paper work I finally had an apology from Bayview Loan saying they made a mistake and would rectify my account which they did, but now it is starting all over again. On XXXX/XXXX/15 I received an annual escrow disclosure statement saying there would a shortage of {$46.00} and if I made a lump sum payment ( which i did on my XXXX/XXXX/15 mort. payment ) my new monthly payment would be {$1400.00} instead of my previous regular amount {$1400.00}. Now i received an amount due on my XXXX/XXXX/15 for {$1400.00} because they never credited my lump sum payment of {$46.00} on my XXXX/XXXX/15 payment. On Bayview Web site I payed my amt. on the due date XXXX/XXXX/15 and they posted on their site as XXXX/XXXX/15, but now they say they received it on XXXX/XXXX/15 which makes me late by six days. On my XXXX/XXXX/15 payment Bayview only deducted {$180.00} off my principal amt. when it should be {$540.00} according to their statement dated XXXX/XXXX/15 with my extra {$100.00} to principal. Some thing is wrong!

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Shopping for a loan or lease

Complaint: XXXX and XXXX XXXX XXXX XXXX VA XXXX : Unauthorized Credit InquiryDear Creditor, I recently received a copy of my XXXX and XXXX and XXXX credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from both credit files because it is making it very difficult for me to acquire credit. 

Send us written authorization that gave you access to our credit files. 

SS # XXXX XXXX XXXX # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Payday loan () with Main Street Personal Finance (CA).
Issue: Payment to acct not credited

Complaint: In XXXX my husband got a probate cash advance from a " probate inheritance advance '' company called ACAC , Inc . They had him sign a deed of trust and recorded said deed of trust against the real property in his mother 's estate even thought they told him that they would not do that until the loan became due which was XXXX, XXXX. In XXXX XXXX they filed a petition to have him removed as administrator and to force the sale of the family home. Since that time we have been fighting them in the probate court. In XXXX of last year they filed a declaration showing that at the time of the transaction they did not have a Mortgage/lenders. We have filed a lawsuit against them. They are stating that it was an " advance '' and not a loan so California statutes do not apply. I am trying to find out what the difference is between a loan and an " advance ''. Any help would be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Consumer Loan (Vehicle loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (VA).
Issue: Managing the loan or lease

Complaint: In XX/XX/XXXX I became XXXX payment delinquent on my auto loan with USAA. Upon returning to work in XXXX I called and made arrangements to pay XXXX payment and portion of the past due amount until I was current. In XX/XX/XXXX {$120.00} was applied to late charges despite my intent and misleading statement from the representative who assured me it was their process to apply payments in this manner anyway. When I realized what had happened I spoke with another representative on XX/XX/XXXX who told me this would be corrected my requesting a misapplied payment reversal. Once again the payment I made on XX/XX/XXXX a portion - {$26.00} was applied to a late charge and the reversal that was promised did not happen. After a conversation on XX/XX/XXXX in speaking with a very rude representative and her manager, they basically stated the policy is they always apply to late charge prior to allowing the consumer to pay to past and future payments. I stated this was unfair and deceptive, they stated I had no recourse ; but to accept this. In going through my pay history in order to allow these fees to accumulate there has to be a variation of this policy ; but they would not consider it. At the end of the day applying in the manner that they claim is " policy '' allows the bank to continue to incur fees on top of fees because it would take the consumer a lengthier time to become current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: They are reporting old address on my credit file that were never mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I 'm having a difficult time understanding how I can send physical proof that they are reporting these accounts inaccurately and illegally and nothing is done. I am also making complaints with the attorney general because this is absolute willful negligence on their behalf. I do n't care that they have to do 10 disputes an hour ; that 's NOT my problem. They are required to do a full investigation and they do not even have the information in their files so because I am sending the proof that they are in violation, these items must be removed immediately. Refer to my credit report to see the way they are reporting this : The date " XXXX/XXXX/2009 '' has the wrong date and is NOT right The docket # XXXX is not correct You do not have the court listed correct : You MUST have the city and the state listed There 's no liability amount listed You must accurately and completely list " bankruptcy '' and you have it abbreviated

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 10/29/2016 about Debt collection (Medical) with Firstsource Advantage, LLC (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have tried to contact this company several times. I have spoken to several people and left voicemails with no return call or resolution. They are saying it for a debt I have for an old hospital bill with XXXX hospital. However, I have called XXXX directly and have been told I have or had no outstanding money due, and they do not know what the collection company is trying to collect. How do I have this removed from my credit report?

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
Consumer complaint received 10/28/2016 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I was in a hospital and the bill was to be paid by the VA in XX/XX/2013. The hospital took the information and was paid. The XXXX emergency specialists was given the information every time I or my wife talked to them and they failed to bill the VA. I found out it was out for collection and told OPTIMUM OUTCOMES INC to contact VA they said they could not pay up so I instructed them to send it back to the doctor so it could be billed they refused and said they were going to collect on it. I told them the VA would pay the bill IF THEY WERE BILLED. That was last I heard until recently I had a call about my son 's credit and thought the recently visit to hospital was being collected already and called and found out the bill was still in collections. I called the VA and was told if the XXXX would send them the bill they would look at it review it and pay it. EVEN THOUGH VA policy is doctor has to bill them within XXXX days. I called the doctor back explained all this to them and told them they had to submit the pink part of the bill what ever that was for payment they refused because it was to old and the collection agent has it. I either want them to take this off my credit report and bill it or write it off. Their not being paid was not my fault THEY NEVER EVEN BOTHERED TO BILL IT and they hold a government contract to accept payments from the government for payment of patient expenses XXXX, XXXX, or VA. If they failed to follow the contract that is not my fault they were notified WHY if the VA was paying the bill would I refuse to provide them the information?

Company response to consumer: Closed with explanation