milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/19/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen is trying to force an escrow on us. This was closed last year and we thought it was over. Yesterday, XXXX XXXX, 2015 they paid my insurance with no authorization from anyone. In addition, they over paid the premium by almost {$1200.00}. In today 's mail I received information on an escrow and they want to add {$790.00} per month to our payment. We have never had an escrow and do n't want an escrow. And what they are charging is more then XXXX times the cost of our insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX   -2015   {$120.00}   XXXX   XXXX   Is an account that is not mines.

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 11/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We received a debt collection notice from Southwest Credit in the mail claiming they were collecting a debt for one of our creditors ( XXXX ). We do not owe a debt to XXXX and are always current with our bill. We also have a monthly automatic withdrawal set up with XXXX, so we know we are always current. We contacted XXXX and verified that we do not owe a debt and also that we have never been sent to collections.

Company response to consumer: Closed
Consumer complaint received 08/13/2015 about Consumer Loan (Vehicle loan) with CONSUMER PORTFOLIO SERVICES, INC. (AZ).
Issue: Managing the loan or lease

Complaint: Consumer Portfolio Services called my office again ... 
I had filed a complaint last year after I had told this company to NOT call my work number or call prior to am. Per the agreement the emailed back - they would not call work or call prior to XXXX. 
I filed another complaint last week showing the date and time of a call at work after the agreement ( I let the 1st couple go ). Then 2 days ago they called my office again. It has to stop!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-01-2016 about Consumer Loan (Installment loan) with Westlake Services, LLC (CA).
Issue: Taking out the loan or lease

Complaint: I took out an auto title loan with Wilshire Consumer Credit on XXXX/XXXX/XXXX. I had a XXXX GMAC Envoy worth about {$6000.00}. I took the loan out for approximately {$3500.00}. 
The vehicle motor gave out at {$200000.00} miles. I requested that the lender pick up the car to settle the debt. They picked up the car and sold it in auction. I never received received any documentation of the settlement. I was told vehicle was sold. This company is reporting this debt in all XXXX XXXX repositories, XXXX, XXXX, XXXX as charge off XXXX balance due. They have a DBA called Westlake Services that is reporting on all three repositories, XXXX, XXXX and XXXX open date XXXX/XXXX/XXXX. This is 12 days after Wilshire Consumer Credit report date of XXXX/XXXX/XXXX. They are the same company. I need this creditor to to remove the creditor Westlake Services with a balance of {$4700.00} to match the XXXX balance as reported by their sister company Wilshire Consumer Credit that shows a XXXX balance. I need the balance of Westlake Services Services as XXXX owed or they need to delete Westlake Services from all the repositories.. This negative balance odf {$4700.00} is affecting my credit utilization on all three repositories. If you look up the reviews with Consumer Affairs and the RIPoff report. This company has a bad reputation. I need my credit report XXXX with this balance of {$4700.00}. They are trying to ruin my credit by trying to report the same information differently. Please have this auto title company remove this balance. I do n't owe it. It should match the same history report as a Wilshire Consumer Credit. 

Thank You, XXXX XXXX : - )

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am in the process of trying to build a home. I was denied and I could n't understand why however, when I pulled my credit report I understood why. I was really so upset that so many accounts were reporting on my credit report that I had no knowledge of. I did contact the creditors but they would not do anything but try and make me pay for debt that was not mine. I have written letters and still nothing has been done. Please help me. The following accounts are on my report and are not mine.  XXXX   XXXX   XXXX . This is an account that I have no knowledge of and it is not my debt! There are  XXXX   US Departme nt of Education on my credit report. These are not my accounts and I have no knowledge of these accounts.  XXXX  is also reporting twice. These are not my accounts. I work very hard to pay my debt however I refuse to pay a debt that does not belong to me. Please help me! This is a type of fraud that these creditors continue to report this false information.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I keep disputing this information with Equifax regarding these accounts. I asked the companies on my dispute to validate the debt as well as the negative information that they keep reporting to Equifax. I never received any validation of debt or any competent proof. Equifax claim they verified the debt and I would like to see the verification that they have received regarding these disputes. I have also filed complaints against these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX is reporting the account is closed. The reason the account is closed is I met the full requirements of the loan and paid it in full. I would like the credit report to reflect paid in full.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this compliant because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the XXXX day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan Servicing has been charging me for Insurance of my home when I am paying the home insurance outside of my loan. 2nd ; Ocwen Loan Servicing charged me more than I owe on my Bankruptcy Chapter XXXX case. Also charged me over {$3000.00} for Asset Preservation during my bankruptcy. 3rd. Ocwen Loan Servicing took a copy of my signature to produce a Legal documentation ( Modification of my loan ) filed in the Deed Records ; supposedly in front of a notary which is false. 4th. Ocwen Loan Servicing did not give me credit for money orders paid by me which I can show that they were cashed by them. They have tried to foreclosure on my home several time.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Case # XXXX do not have a CapitalOne card but supposedly, i was a victim of Identify Fraud and CapitalOne is harassing me about owing purchases I did not approve or was aware of. 

history : on approximately XXXX XX/XX/2015, a CapitalOne Fraud rep left a message saying me asking if I recently applied for a credit card. when i went online to get their fraud department, they said i was not responsible and not to worry. 

Then on XXXX XXXX, 2015, a CapitalOne fraud rep named XXXX XXXX ( XXXX ext. XXXX ) started asking me aggressively with more personal questions, which i felt awkward giving out, I told her i would call back. When i called their main fraud line at XXXX, they said my case was closed and that XXXX XXXX probably did n't have the right information and not to worry that everything was closed. XXXX XXXX XXXX then called me back and said I needed to answer all these personal questions and i told her i just got off the phone with her team and was assured everything was closed so she replied, " fine, you will be responsible for all charges now '' then hung up. 

In my mailbox, i was sent a letter from CapitalOne Fraud via XXXX XXXX XXXX stating that they completed their investigation and have found that I am responsible and I owe {$3500.00}. I was tempted to call her back but called their XXXX main Fraud line and again, their rep said I am not responsible? It seems like CapitalOne has so many layers within their organization, let alone their own Fraud department, that I keep having to talk to multiple people who either ( a ) says I am responsible, which i am not or ( b ) who says to ignore their own department and that I am not responsible. Now I am getting the run around and not sure what to do here. 

Please have someone who can tell XXXX XXXX to close my " made up account '' - that I did not open and stop harassing me. in fact, i would think CapitalOne would train their Fraud department not to harass the people that are victims. You guys should have my number based on the case # i provided.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Credit reporting () with EQUIFAX, INC. (OK).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This credit buerau is reporting information from creditors that resulted from someone using my information to obtain money

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (SD).
Issue: Delinquent account

Complaint: Capital One has again contacted our Landlord trying to collect a debt. We have already filled a complaint and they said that they would no longer be doing this, and yet it has happened again.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX XXXX was deleted from my Transunion report and it was put back on there

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 06/21/2017 about Student loan (Private student loan) with SLM CORPORATION (VA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: On either XX/XX/XXXX or XXXX XXXX XXXX 2017 ( I can not remember the exact date ), I called Sallie Mae to discuss why I received no e-mails or letters or phone calls about my forbearance ending and my payment being late. After that issue was resolved, I learned that I might qualify for a program to help lower my payments since I am going through a lot of health issues and am not even allowed to work full time because of my health issues. I talked to a representative and he took my information and I answered all of his questions and then he said he would need to talk to my consigner. On XXXX XXXX XXXX 2017, my consigner called and talk to a representative who was quite rude to my consigner who is also my mother and I do not appreciate that. During that call, my mother described how the representative tried to convince her to ask people who have nothing to do with the loan to make the payments on our behalf and that is 100 percent uncalled for. This loan is between me and my consigner and has nothing to do with other family members and friends. When I called on the same day, after my mother, I was told that I did not qualify for any program because it could not be guaranteed that I could make a lower payment so I would have to make the full payment that we can not afford now. If Sallie Mae acknowledged that I might have a tough time making a lower payment, how do they expect me to make a higher payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There 's a public record on my report I already made payments on this so I do n't understand why it 's there when I call they said I have to dispute 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 03/22/2017 about Credit reporting () with WELLS FARGO & COMPANY (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: checked my credit report and saw a negative reporting by Wells Fargo. Called them. Spoke with XXXX XXXX who explained he did not see any late payments. I am currently trying to buy a home and ca n't get financing because of this.

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 06/28/2016 about Money transfers (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (DC).
Issue: Fraud or scam

Complaint: I was scammed out of {$200.00} by a person who claimed that he sell me a part for my dirt bike. 
I sent him the money via Western Union Transfer and now he is not answering his phone or returning any of my texts.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: The reason for my complaint is because this debt was added to my credit report without a debt validation letter. I do not agree that I owe the creditor that the collection agency is attempting to collect the debt on behalf of. I feel that the creditor concocted a debt and sent it to a collection agency without sending it to me to avoid me questioning the debt. I feel the creditor did this because I chose not to extend my lease, even after they offered to reduce my rent. When I originally signed my rental agreement, this home was owned by XXXX.It was later sold to XXXX while I was still under lease agreement. At the end of my lease, I chose to move. I was not aware that this company reported a debt to a collection agency until I attempted to advance in employment and a credit report was pulled. I have sent numerous request to the collection agencies to remove this item, but they continue to find the debt valid. On XXXX XXXX, 2015, I sent a debt validation request to the collection agency, but they have not responded. I sent the letter by regular mail, but I know that the letter was received because I requested that they remove a duplicate item from my report and the item was removed. Please assist me with resolving this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Mortgage (VA mortgage) with CITYWORTH MORTGAGE LLC (NC).
Issue: Closing on a mortgage

Complaint: I need your assistance in protecting me, and my clients from harmful conduct that conflicts with me and my clients basic expectations, created by Loan Officer XXXX XXXX XXXX XXXXXXXXXXXX NMLS : XXXX Phone : XXXX, as it relates to how my clients and I have been treated. Please help me/us to ensure that bad actors such as him and City Worth can not use deceit and fraud to drag the rest of  the market down to their level? 

Who Am I? : I am a Realtor at a real estate Firm which represents both Buyer and Seller in a transaction in which the aforementioned loan officer provides services to the Buyers. I am the Listing Agent, representing the seller. 

What Did He Do Wrong : 1. On XXXX/XXXX/XXXX, XXXX XXXX, willfully and intentionally deceived me and my sellers regarding a {$150.00} VA Appraiser Re-Inspection Fee, a Buyer 's Expense, by stating that the Buyer 's  loan would not be underwritten/approved to close on time, XXXX/XXXX/XXXX, per the Sales Contract, if the seller does not pay the re-inspection fee. The Sellers regretfully paid the {$150.00} fee, after I gave my sellers XXXX 's number, and XXXX spoke to them. XXXX disclosed to them at this time that the loan was moving along per the Sales Contract, and that we would close the loan on time.

2. On XXXX/XXXX/XXXX, I receive a phone call from XXXX XXXX requesting that my Sellers sign an Addendum to Sales Contract requesting that his company 's underwriting department provide conditional loan approval by XXXX/XXXX/XXXX. This is when I and my seller both new that we had been deceived by this bad actor.The seller refused to sign this Addendum stating a lack of trust and confidence in XXXX and his company 's ability to close this loan due to XXXX 's previous unethical and fraudulent communications. 

3. On XXXX/XXXX/XXXX, I and receive an email from XXXX XXXX, via the Realtor representing the Buyers, showing full proof that the loan had been through XXXX XXXX XXXX underwriting department, and had been conditionally approved, which I forwarded to my sellers. 

4. On XXXX/XXXX/XXXX, I received a text message from my Buyers who I introduced to XXXX XXXX after XXXX XXXX reached out to me shortly after the aforementioned Sales Contract was executed. Approximately XXXX today, I receive a text from my Buyer 's wife stating : ( XXXX XXXX is trying to get my husband another Realtor, and that her husband was told that things were going rough between XXXX and I. ) This is a form of loan fraud, general fraud, and deception to say the least... and this type of bad actor should not be allowed to go un-checked in this industry.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Customer service / Customer relations

Complaint: On XXXX XXXX, 2015 I accidentally entered the incorrect routing number for auto-pay on my Citibank Credit Card. Subsequently, my payment was late because I did not know I had done this. I called to have this changed, because I was unable to make the change myself on line and I was told that it would be handled within 10 days. After numerous calls and on-line support events, this issue is still not fixed - 4 months later. Citibank Tech Support in Kentucky told me this is a known issue and thay are working on it. But seriously, 4 months? During this time I was twice asked if I would like the paper forms sent to me so that I can complete the forms and mail them back. I have never received this forms. While this is a minor to the bank, I 'm sure, it concerns me because I wonder what else is not working properly within their on-line system and how reliable is the other data that comes from it, and for that matter, how secure?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: CommentDEAR SIRS, I APPLIED FOR A " HARP '' LOAN THROUGH GREEN TREE LENDING IN XXXX XXXX. THE LOAN " MODIFICATION '' WAS APPROVED ON XXXX XXXX, XXXX. WE WERE NOTIFIED BY GREEN TREE ( GT ) THAT A TRIAL PAYMENT PLAN WOULD COMMENCE FIRST AND THEN OUR LOAN DOCUMENTS WOULD BE SENT TO US VIA CERTIFIED MAIL. 3 MONTHS LATER ON XXXX XXXX, XXXX WE BEGAN THE XXXX " TRIAL '' PAYMENTS WHICH WERE IN THE AMOUNT OF APPROX {$470.00}. THOSE PAYMENTS WERE MADE WITHOUT ISSUE. WE THEN RECEIVED THE LOAN DOCUMENTS ON XXXX XXXX. THE LOAN DOCUMENTS LISTED OUR REPAYMENT PLAN AT $ XXXX/MONTH. I DO NOT KNOW HOW OR WHY THIS BIZARRE AMOUNT WAS CHOSEN SINCE THE LOAN WAS FOR {$22000.00} APPROX. ON A XXXX MORTGAGE. SO THIS WAS A 40 YR LOAN. WHICH I HAD NEVER HERD OF IN HOME LOANS. WE SIGNED THE LOAN AND STARTED TO MAKE PAYMENTS REGULARLY EVERY BEGINNING OF THE MONTH ON TIME. THEN THREE MONTHS LATER IN XXXX XXXX I RECEIVED A TELEPHONE CALL STATING I WAS DELINQUENT IN A PAYMENTS. I SAID HOW CAN THIS BE WE " JUST '' STARTED THE NEW LOAN! THE PERSON ON THE OTHER END DID NOT KNOW ANY DETAILS OTHER THAN WE WERE {$1200.00} BEHIND ALREADY. I PROMPTLY WROTE GREEN TREE A LETTER TO EXPLAIN THIS ( XXXX OF XXXX LETTERS ). GREEN TREE FINALLY REPLIED ON XXXX XXXX, XXXX. IN THE MEANTIME I HAD WRITTEN GREEN TREE EVERY MONTH A COMPREHENSIVE BUSINESS LETTER FOR THEM TO OUTLINE OUR PAYMENTS/PAYMENT PLAN/HOW MUCH WE FINANCED/WHAT INTEREST RATE/AND COULD WE WE RECEIVE A WRITTEN NOTICE OF OUR MONTHLY DUE IN A PAYMENT COUPON BOOK. NONE OF THAT INFORMATION HAS EVER BEEN SENT TO US! TO THIS DATE ALL I HAVE RECEIVED IS NONE OF THE PERTINENT DATA REQUIRED BY LAW ON MY LOAN. ALSO GREEN TREE REFUSES TO ACT IN GOOD FAITH AS A RESPONSIBLE LENDER TO PROVIDE ANYTHING BUT MONTHLY ANNOYING PHONE CALLS THAT ASK ME WHETHER I AM GOING TO LIVE IN MY HOME, WHAT IS MY NAME, MY ADDRESS, HOW LONG HAVE I LIVED THERE? EVERY MONTH! NON STOP ALL THE TIME. I HAVE FINANCED XXXX HOMES BEFORE AND HAVE NEVER GONE THROUGH WHAT GREEN TREE DOES WHICH IS TELEPHONE BADGERING ASKING RHETORICAL QUESTIONS THAT HAVE NO VALID REASON EXCEPT TO INCITE A PERSON 'S TOLERANCE. I EVEN HAD TO HIRE A THIRD PARTY TO FORCE GREEN TREE TO REFINANCE THE LOAN AND PAY THIS THIRD PARTY {$3600.00}! AT THE TIME I HAD LESS THAN A YEAR ON THE LOAN A BIWEEKLY PAYMENT PLAN. I WAS A XXXX WITH XXXX AND BECAME XXXX AND CALLED GREEN TREE TO TELL THEM COULD I MODIFY MY LOAN? THEY SAID NO THAT THE LOAN WAS TO MATURE OR DUE. THIS IS THE WORST COMPANY EVER. THE WORK ON FEAR AND BY BADGERING THE CUSTOMER FOR MONIES. YET THERE IS NO ACCOUNTABILITY FOR THEIR TOTAL LACK OF PUBLIC TRUST AS A LENDER. PLEASE HELP ME

Company response to consumer: Closed with explanation