milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/24/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NH).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX, 2016 To : Ocwen Loan Servicing LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX RE : Account XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX This letter is to inform OCWEN Loan Servicing LLC of the following ; I, XXXX XXXX, have tried several times to speak with assigned " relationship manager '' XXXX XXXX, whom Ocwen has designated however every attempt has been unsuccessful to date. 
I, XXXX XXXX have had several appointments scheduled with XXXX XXXX, however on more than one occasion XXXX XXXX assigned another Ocwen rep to call and/or XXXX XXXX failed to call to assist myself in this matter. The most recent failed appointment dated XXXX/XXXX/2016 where I was informed XXXX XXXX had " changed her schedule '' and was no longer able to speak to me at this designated time. 
Several Ocwen employees whom I have spoken with have given me different answers and misled me to believe I could easily work with Ocwen to resolve this debt. 
The last payment received to the above account was received on-line dating XXXX/XXXX/2016. Ocwen applied this payment to " escrow '' rather than applying it as a monthly payment so as to make it appear I have not made monthly payments. I can prove consecutive monthly payments upon request. 
Ocwen has disabled my ability to pay this debt on-line since receiving the above dated payment. 
On XXXX/XXXX/2016, as advised by an Ocwen representative, a payment of {$7000.00} was attempted via " XXXX '' however was declined electronically by Ocwen. 
On XXXX/XXXX/2016, as advised by an Ocwen representative, a payment in the sum of {$3000.00} was express mailed to Ocwen however has not been applied to the above account and/or returned to date. 
An escrow account with XXXX XXXX has now been established to hold all monies regarding this account until a resolution can be reached. Said escrow account number is as follows ; XXXX I, XXXX XXXX have been informed by several Ocwen representatives that the above account has now been turned over for foreclosure. To date I have not been contacted by a local attorney and/or foreclosure representative. 
I, XXXX XXXX continue to receive threatening letters from Ocwen Loan Servicing to foreclose on my home. I have yet to speak to a representative whom can help me ; all have misled me. 
I have yet to date be answered that this threatening foreclose is a negotiable instrument pursuant to XXXX state law. 

CC ; OCWEN Loan Servicing LLC Ocwen relationship mgr XXXX XXXX XXXX of the XXXX Attorney General XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Mortgage (Conventional fixed mortgage) with Moria Development, Inc. (AZ).
Issue: Application, originator, mortgage broker

Complaint: I was in the process of purchasing a home. The lender was working on my credit report to do a rapid rescore. She began to be unresponsive or less responsive with emails and not returning my phone calls. Then I was notified of a new credit card that was applied for in my name, but I did n't apply for one. The lender was very determined to process my loan, to the point where she opened up a credit card in my name without my permission. Doing this would show more available credit and less debt, increasing my score. When I emailed her and her supervisor asking about this card, she never responded, i did not close on my house and I lost all my money that I put in. At this point, the sellers realtor filed a complaint due to non communication, my realtor sent an email to her demanding a response within a timely manner and she completely did not respond to anyone. Her supervisor called me 3 days after we were supposed to close and said that I needed to contact the FBI and that they 've decided to deny my loan because everything is just a mess now. I am asking to be refunded on all the fees I paid out, or I will be pursuing further action.

Company response to consumer: Closed
Consumer complaint received 07-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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 submitted documentation to remove invalid hard pulls off of my credit report and was denied any corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Customer service / Customer relations

Complaint: I am writing to complain about the Fidelity XXXX XXXX XXXX XXXX XXXX XXXX issued by FIA Card Services. 
Consistently, every month, my spouse or I are declined at the point of sale for small amounts, such as today for {$5.00} for an XXXX transaction and a {$64.00} meal transaction at a restaurant in the same city that I live in. And consistently, we have to be embarrassed at the point of sale followed by a call to Fidelity Card Services, where they trot out the same old excuse of fraud scanners and analyzing for suspicious activity. This happens at least once every month and they claim that they will rectify it. It is at the point where I plan on closing the account because of the level of interruption.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Mortgage (Conventional home mortgage) with KEYCORP (OR).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Applied for the key bank mortgage loan it took them over three weeks to get me a pre approval letter. Was given the run around from day  one from the loan officer about the status of them processing my info for the loan. Very few and far in-between call backs or email reply 's back if any at all. I had to go down two the branch and had to deal with a branch manager  to get any thing done or a response most of the time. I finally got a pre approval letter email to me. I was never furnished with any criteria for the loan requirements just told verbally that it would work on any house and what the basic criteria was for the lone. So then I start looking for a house after looking at about  10  or more finally put in a offer on one. The buyer accepted the offer so I then notified the bank that they would be receiving the purchase contract. This was on  XXXX / XXXX /  XXXX   the same day my realtor sent the paper work to the bank for underwriting. On the following morning I received a phone call from a guy at key bank saying that they got my paper work and that he needed to talk to me about my loan. So I called him back the same day and he told me that the loan officer did not no longer work for them. Then he told me that my loan would not work for the house I had a offer on that was accepted by the seller. I asked why he told me that I made to much money for the loan and I told him none of this was ever shown to me or disclosed to me. Played stupid about the whole situation and never mad a attempt to actually fix the very big issue other than just try to play it off and offer me a loan at 5 % down when the loan I should have had was 100 % financing- first time home buyers they made no real attempt to fix the issue, poor communication, no responses, and waisting lots of my time and a sellers time on a deal that was never going to happen time spent looking at houses and running around for cashers check for the deal. All to get a phone call that should have never happened all the reasons why I will never do business with key bank nor any  one  in my family. Thanks for the scummy lies, and waisting peoples time.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (CO).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I made   a deposit with Citi bank to open an account. I called the company to initiate the deposit by phone. The CSR took the routing number and account information for the bank deposit.
Later I was informed that the payment was rejected because the account number had been keyed incorrectly. I subsequently resubmitted the information to Citi and they processed the transfer. Shortly there after I was assessed a fee for the initial deposit that did n't go thru due to their error. When I called a CSR they told me it would be removed but have since not been reimbursed.

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 08/18/2017 about Checking or savings account (Checking account) with FIRST INTERSTATE BANCSYSTEM, INC. (OR).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: XXXX XXXX XXXX took over operations for XXXX XXXX XXXX XXXX and is not providing any account history. My account numbers have not changed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Prepaid card (ID prepaid card) with NETSPEND CORPORATION (AZ).
Issue: Fraud or scam

Complaint: I received a Prepaid Debit card in the mail with my name on it from a company called " NetSpend ''. The letter that came with it explained how to active it and the costs. I was very upset that the card was created with my name and put in the mail. Even though this card was " prepaid '' it had my name on it. Anyone who received it could have used it to establish credit in my name. I called the company to ask them to take me off the mailing list and how they got my name? An automated recording started and asked for the credit card number ( which I destroyed so I did n't know it ) or my SSN. How would they know my SSN? The call was then answered by a person. I asked the customer representative about it and he stated I was n't in the system. I asked him to remove me from their mailing list and make sure there is no account with my name on it. He stated I was n't in the system. If I was n't in the system how did I get issued a prepaid credit card? I asked to speak to a supervisor and waited over 10 minutes which the representative said was still busy and I should try to call back later. I am very concerned this could lead to identity theft. I still do not know if this company has an account with my name open or if it has removed me from the mailing list.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Debt collection (I do not know) with Westhill Financial (OH).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Today I received a call from this collection agency regarding an alledged debt. When i first answered the call, the representative told me that he works for a legal department and they were taking action against XXXX and they needed to speak with her. The representativr then told me I needed to pay XXXX or else I wouls be going to court. I told him I knew nothing of the debt and I wanted to dispute their claim and have them validate this debt. I was told no that i coukd not dispute since they had my information and that the attorney who they work for was going to take me to.court. I had no idea what this debt is.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX is reporting a loan that charged off back in XXXX as 120 days late as of XXXX. That is wrong. If it charged off in XXXX how can they continue to report me and my husbands late in XXXX? XXXX XXXX has already deleted the item but, the other XXXX bureaus are showing invalid data that is destroying our credit scores. Please hold XXXX accountable to the FCRA and make them remove the lates after the account charged off XXXX. We have disputed the account via the credit bureau dispute process, XXXX times and they still refuse to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX has been reporting a {$500.00} loan I never used and cancelled at the XXXX XXXX XXXX before classes started. I never took any classes. This was in XX/XX/XXXX. For the past 39 years XXXX would put a claim on my Trans Union credit report, I would file dispute and it would be taken off only to reappear again 7 years later. This harassment has continued for past 39 years. Most recently I caught it when denied a loan XX/XX/XXXX when XXXX fraudulently placed the information back on my account but this time saying I had a {$4.00} per month payback agreement was over 120 days late for 18 months then " reassigned '' it. Went thru same XXXX and again XXXX said it would be removed permanently. It was removed, my credit scores went back up. Today XX/XX/XXXX, I was looking to reapply for loan only to see the derogatory information placed back on my credit report with a 77 point drop on my FICO score. This has to be illegal and at this point feel fines should be placed on XXXX for this harassment and damage to 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 non-monetary relief
Consumer complaint received 11/30/2017 about Vehicle loan or lease (Loan) with CREDIT ACCEPTANCE CORPORATION (OH).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: In XX/XX/XXXX three separate payments were deducted from my bank account - for the monthly car loan payment of {$200.00}. 

XX/XX/XXXX, {$220.00} was withdrawn from my account twice on that date : XXXX XXXX had GPS locator on my car plus the ability to lock it soI couldnt start the car - until I paid them the amount they demanded. On two other occasions in XX/XX/XXXX, they came to the parking lot where I was grocery shopping and proceeded to toll my car - they insisted that it would be tolled unless they got their money right then. also they said if I couldnt pay to call a relative or friend and they would have to have the {$200.00} submitted through XXXX XXXX by with a bank debit card - not a XXXX Credit card. the last time they came to the place I was staying early in the XXXX Around XXXX and put the car on the toll truck - with the strong warning that if the payment wasnt submitted right then - my car would be tolled and repossessed - so they did.

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 11-05-2016 about Debt collection (Auto) with Peak Acceptance, LLC. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I voluntarily turned in a vehicle in 2013. After the sale of the vehicle the balance owed was XXXX. The finance company continued to charge interest fees and they are showing the XXXX

Company response to consumer: Untimely response
Consumer complaint received 12-12-2015 about Bank account or service (Other bank product/service) with EAST WEST BANK (GA).
Issue: Using a debit or ATM card

Complaint: On Sunday XXXX XXXX, 2015 @ XXXX I went to this bank 's ATM machine. East West Bank located at XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX. My intent was to withdraw {$500.00} However the machine did not dispense the cash! The money was taken out of my account and now this bank will not give me the {$500.00}. The woman 's name at the branch is XXXX and her phone number is : XXXX. The woman 's name at XXXX XXXX in California is XXXX XXXX ( Manager ) and her number is : XXXX. Thank you!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 05/17/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NY).
Issue: Credit decision / Underwriting

Complaint: I am currently trying to refinance under the XXXX program. You need to be current on all mortgages in the last 12 months in order to qualify, which I am. Ditech Mortgage has incorrectly reported to the credit agencies that I am at least 90 days past due on my mortgage which is absolutely not accurate, even according to their own records which they have sent to me. I have been following up with them for well over a month to get them to correct this and notify the creditors that the report was an error and we have paid as agreed, but today XXXX/XXXX/2016 they have still not corrected the situation and this is adversely affecting my credit score and my ability to refinance. I have called several times and emailed and this remains an issue. I 'm asking for help to get this rectified quickly so it stops impeding what I need to do as they do n't seem to care or have a sense of urgency in correcting it.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Since XXXX 2016, I have been disputing the chapter XXXX bankruptcy with Experian and XXXX. They always states that it has been verified. I requested how this is verified as the courts does not report to the credit agencies.
XXXX removed the chapter XXXX as they could not verify so they removed it.

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 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I sent a request via certified mail : I am requesting the removal of  XXXX  judgment and  XXXX  bankruptcie s ( below ) on my credit report due to Civil Case No .  XXXX ,  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   Equifax  Information Service , LLC, I di d not know the source of their information on those judgments and bankruptcies and due to this, Equifax ha s violated the Fair Cred it Reporting Act ( FCRA ). Please remove these judgments and bankruptcies as soon as possible.   Bankruptcy  Ref.  #  XXXX  Since this is a request and not a dispute, I would like to receive confirmation that all judgments and bankruptcies listed on my credit report has been removed within 15 days of the date on this letter. Your attention to this matter is greatly appreciated.     My request have been ignored and unfulfilled and not validated

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: i keep asking to have the wrong address removed from my report which is not even spelled correctly and is a XXXX XXXX and not a home address and they continue to update it or put a new XXXX XXXX address similar to the one i continuously ask to be removed. 

which is : XXXX XXXX XXXX XXXX, XXXX XXXX NY and XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX none of these addresses are mine. i dont understand why transunion will not remove

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are many Hard Inquiries in my Credit Report that I don't recognize

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have new issues with respect to a previously submitted complaint. 
My initial complaint was filed XXXX XXXX. The case no. is XXXX. The complaint was as follows : " I submitted a request to switch my repayment plan from the Income-Based Repayment Plan to the Pay-As-You-Earn plan. My servicer, FedLoan Servicing, received the request on XXXX XXXX, 2016. I called FedLoan Servicing on XXXX XXXX, 2016 to check on the status of my application and was told that no steps had been taken yet to process the application. Today is XXXX XXXX, 2016, and I have still not heard anything about my application. '' Update : On XXXX XXXX, I received an e-mail from FedLoan Servicing that they had " processed my request. '' However, nothing has changed on my online account, and, on XXXX XXXX, I received my XXXX bill for a payment due still under the Income Based Repayment Plan. 
Also on XXXX XXXX, I called FedLoan Servicing and was informed of the following : 1 ) In order to process my request, my account had to be placed in forbearance, 2 ) I still had to pay the XXXX payment under the Income Based Repayment Plan, HOWEVER - because my account has been " inactivated '' - my payment would n't count towards XXXX XXXX XXXX XXXX, 3 ) I will need to pay a " forbearance fee '' of {$5.00} in order to switch my plan, 4 ) The forbearance fee will be charged in XXXX, and no other payment will be charged for that month ( so even if I wanted to make a payment towards my XXXX XXXX XXXX XXXX XXXX XXXX, that payment would n't count either ), 5 ) Ultimately, it will take until XXXX for my payment plan to be switched. Plus, I will make a FULL PAYMENT in XXXX that WILL NOT be counted towards my XXXX XXXX XXXX XXXX progress, and will not be able to make a second payment ( in XXXX ) towards that progress either.

Company response to consumer: Closed with non-monetary relief