milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/15/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (WI).
Issue: Loan servicing, payments, escrow account

Complaint: After I bought my house, I remodeled it my self. I then built a big shed on my property ... .. all improvements have been done by me. My mortgage has been sold 3 times since I took it out. Now I have major hail damage, and want to fix it myself. The mortgage company tells me I have to hire a third party to do the repairs. They said the only way this works is I sign the check over to them, and they will determine who gets paid for doing repairs, and how much ... ... this company has a XXXX rating of XXXX and there are many complaints to them not paying bills in a timely fashion when submitted to them. I still hold the insurance check, what are my legal options?

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Credit line increase/decrease

Complaint: This week - XXXX - I received XXXX letters from Bank of America informing me that 3 of my cards credit limits had decreased, and I am not talking about a small adjustment ; one of the cards credit limit went from {$19000.00} ( established through many years ) to {$500.00}. 
So I printed 2 credit reports to see what had happened, and to make sure my accounts had not been hijacked. In the adverse accounts there were one late payment under {$40.00} in account A last year. Account B had one late payment in 3 years and account C had a small delinquent payment in 3 years. The three accounts were classified as adverse accounts, and one of them was because of an error from another card company. In total the default amounted to about $ XXXX over 3 years and a lot of transactions. Whatever their guidelines to evaluate credit worthiness they are truly defective and deceptive. I had not bought a house, a boat or charged expensive items and my XXXX report shows that my accounts are OK. Even the representative I called at the bank could not believe it ; unfortunately he could not change it but wrote a claim report. The worst part of it is that 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 11/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: On XXXX XXXX, XXXX, I sent to Equifax XXXX Department a request to remove a " SR '' suffix which had been considered as part of my name. As they requested I sent a copy of my Driver License. They removed the referred suffix, but after almost a month after, it suffix reappear again. I tried by phone and online to receive an explanation why it was removed and shows up again. They open several cases for me, but it was up and down ( removed and showing again XXXX and the results were with no success. An representative from Equifax XXXX XXXX counseled me to send to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA, and even help me by phone to write a letter requesting again to remove from my credit record the " SR '' suffix showed after my name, because I am not " SR '', and never have had the " SR '' suffix after my name. The representative recommended me to enclose a copies of : XXXX XXXX XXXX, XXXX XXXX, Driver License, Social Security Card and Form XXXX XXXX. XXXX XXXX Tax Return XXXX. On XXXX XXXX, XXXX, I sent the letter XXXX Certified ) with my name, address, e-mail, phone number, and I enclosed the copies of all mentioned documents. They received it on XXXX XXXX, XXXX, and after several dates they removed the " SR '' suffix in question. Now On XXXX XXXX, XXXX, I received an alert from Equifax XXXX XXXX informing that my name change, after reviewing the credit report I note that, again, the " SR '' suffix shows up. They said before that it was happening because an " unknown reporting creditor ''!!! was reporting it, but for they apparently the copies of the documents I sent on XXXX XXXX, XXXX have been not enough to prove that I have no " SR '' suffix after my name. Please help to solve this matter with this company. The other two Credit Companies XXXX and XXXX handles my name correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Other

Complaint: Credit card account of more than {$1500.00} was paid off immediately after being sent to collections. Several months after paying off the debt, the account is still showing as an unpaid and derogatory account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Credit card () with CITIBANK, N.A. (MA).
Issue: Billing disputes

Complaint: I signed up for a Home Depot credit card. Stupidly, I gave Home Depot ( actually Citibank ) my social security number. At the beginning of XXXX Citi dunned my account when I had previously set-up the account for auto pay from my local bank. When I went to Home Depot and tried to buy with the HD card, I could not. When I called the credit card nbr, I reminded the rep that I had requested auto-pay. Citi promptly and correctly took an amount for that billinig cycle. But I have heard from XXXX XXXX that this type of mini-fraud occurs often. 
Citibank as of today says it can not remove my SSN from its database. I asked Citi two days ago for my remaining balance to transfer to my local bank. I have not received it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: When a Chapter XXXX Bankruptcy was filed in 2008, the student loans were in default and assigned to XXXX collection agencies, XXXX XXXX XXXX and XXXX XXXX XXXX. Appx. {$42000.00} was claimed and during the XXXX XXXX, appx {$25000.00} in payments were made. Upon beginning a repayment plan after bankruptcy was completed, I consolidated what I thought was left with Navient. Navient has {$52000.00} in student loans due and owing. No where in any student loan payment ( as far as I can see ) does it show the principle balances of {$15000.00}, {$6200.00} and {$3300.00} was applied to my student loan debt. I have opened a case with the obudsman group but they are also having difficulty finding what payments were applied and where. I can via my bankruptcy paperwork show the principal amounts that were paid and listed above. 
Navient does not answer emails, etc and I can not afford a {$600.00} a month student loan payment. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Debt collection (I do not know) with NAVY FEDERAL CREDIT UNION (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Debt never validated. Settled with original creditor. This creditor presenting false and misleading information to credit bureaus damaging access to credit markets.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (ME).
Issue: Making/receiving payments, sending money

Complaint: Wells Fargo has been incredibly deceptive and intentionally confusing. To summarize, they have mailed me two letters confirming a so-called late payment was removed, and also verbally confirmed over the phone recently that it was removed ( listen to the call to hear the deception! ). It has not been removed, which is certainly deceptive and clearly unfair practices. 

The letters they mailed noting that it would not be reported reference the account ending in XXXX. 

-My Wells Fargo account number CHANGED after XX/XX/XXXX, due to a LOST CARD to the account ending in XXXX. 

-The late payment reported is for the account XXXX, as the account did not change to the new number until AFTER XX/XX/XXXX. 

-THEY ARE THE SAME credit line, the number only changed AFTER a late was reported because the card was LOST. 

XXXX is what the account was when a late payment was reported. The account number did not change until AFTER XX/XX/XXXX to a new number. The letter I have attached that they mailed is referencing what the account number was when they reported. 

I have never had anything negative on my credit and have been appalled by how misleading and deceptive Wells Fargo has been. They have lied to me several times, and told me conflicting infomation. When I called several months ago to confirm the removal, the representative confirmed several times that it had been removed. In my most recent conversation, they said it had not ... where are my rights? How is this ok? What truly deceptive practices! I have spent over a year being lied to and misled. 

In my most recent conversation, they were not able to confirm the two letters mailed to me stating the removal. That is very concerning that they do not maintain records of outgoing confidental customer information and would mail conflicted information repeatedly. 

This is WRONG!!! PLEASE HELP!!!!

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 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with I.C. System, Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I 'm in the process of repairing my credit and disputed information against XXXX XXXX ( Virginia ) around XX/XX/XXXX they sent to a collection agency. The information was overturned in my favor. I checked my information this morning via XXXXXX/XX/XXXX and noticed XXXX XXXX has sent the collection through via another Collection Agency ( I C Systems XXXX XXXX, MN )

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 09-04-2015 about Mortgage (Conventional fixed mortgage) with AMERISAVE MORTGAGE CORPORATION (VA).
Issue: Application, originator, mortgage broker

Complaint: I applied for a mortgage with Amerisave for a refinance of a condominium in XX/XX/XXXX. Because the condominium was in a new development, I had been unable to get a 30 year fixed loan with other lenders as they said the project had to be completed first. I had used Amerisave before, so I called the loan officer who had done my other loans and mentioned that I was unable to get a loan on this particular condo until the remaining units were completed. He told me that Amerisave could do the refinance, a 30 year fixed rate loan. I told him that I did not want them to run the credit check and the appraisal unless I was assured that Amerisave could do this particular loan -- a 3.75 % 30 year fixed loan with no points -- on a condo development that was not completed ( although my condo had closed in XX/XX/XXXX ). XXXX XXXX, the loan officer, assured me repeatedly that Amerisave could do this loan. He also assured me that since we had just completed a refinance on my other condominium that he knew I was personally well qualified for both loans. With this assurance, they ran my credit ( which was excellent ) and I paid the {$450.00} for the appraisal. The appraisal came back within a week, and the value of the property was much higher than we expected. The condo appraised at {$1000000.00} and the loan was only for {$560000.00} -- a much better loan to value percentage than when I originally applied. For the next four and a half months, I produced every document requested the same day. I complied with every single document request immediately. The 60 day lock on the loan expired on XXXX XXXX, and leading up to that I continued to inquire why the loan had not been approved and why we were not going to closing. They either would not respond to me, or would request yet another document. I was repeatedly assured that the loan would be approved, they were just swamped. By XXXX I was calling them almost daily to figure out what the problem was. I went to XXXX supervisor, his supervisor 's supervisor, all to no avail, until one day in mid XXXX I was told by his supervisor that Amerisave would never make a loan on a condo development that was not completed and had not yet been approved by XXXX. I told her that this was precisely the threshold question I asked XXXX XXXX before I agreed to pay for the appraisal and go through months of agonizing document production. She told me he never should have told me that and that they would refund my appraisal. I asked her in mid XXXX to process the refund. she then stopped taking my calls/emails. I then reached XXXX XXXX by calling from a different number, and he said I would have my appraisal fee refunded " within a week. '' that was almost a month ago. XXXX XXXX now will not answer my calls, return my calls, or respond to my emails.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/19/2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was extended a credit account by Citibank to purchase furniture at XXXX ; however the 1st issue arose when the credit slip they presented to me for signature did not match the terms they agreed to give of 0 % financing for 18 months. I started to sign the slip only getting as far as the A-L of my 1st name and then told the sales rep I did not feel comfortable signing it and wanted confirmation in writing from Citibank that the terms promised would be honored. Well needless to say the 1st letter I received from Citibank stated the terms were under review and I would be notified of their decision within two billing cycles. At this point I felt I was being mislead and told XXXX to cancel my order. I sent a dispute to XXXX and Citibank to request a refund. XXXX gave me back my money, but Citibank is still attempting to hold me responsible for merchandise I DO NOT HAVE and more importantly did NOT authorize be charged. 

The results of there 1st investigation simply stated XXXX does not allow cancellations or refunds???? So I requested they re- investigate because 1. I did NOT sign the credit authorization AND 2. Never received any merchandise for XXXX Lastly, I have been receiving statements stating I am required to make payments although the entire balance is under dispute AND I have yet to receive a response since I faxed the documents to them on XX/XX/2018. That is over 60 days!

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 07/30/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: Lender not willing to postpone schedule sheriff sale to allow us to proceed with a short sale. We are currently living in the property and have faxes the items numerous time to the lender

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Debt collection (Medical debt) with Sequoia Financial Services (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: We 've made numerous attempts to have this company validate the debt. They have failed to provide any valid signature which is required by law. We are now filing a lawsuit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (TN).
Issue: Shopping for a loan or lease

Complaint: There is an error on my credit report from Toyota Financial for a vehicle. I have asked the credit bureaus to remove it several time and they will not. They are saying that I co-signed/co-purchased a vehicle. The only problem with that is those are n't my signatures, I did n't co-sign for anything and I was not employed at that time. I asked the company to send me proof of my signatures, they sent me the documents with signatures that are not mine. In addition, information provided on the application was inaccurate, they did n't provide me with copies of my social security card or driver 's license. When buying a car this is what is requested. Seem like to me they just let someone use my information to co-buy/sign. I have written letters, disputed this several times on line, and I have even pled and explained how the signatures are n't mine as well as give proof to how the information that was provided on the application was incorrect. I would like to file a complaint against Toyota Financial and XXXX XXXX for this inquiry because I ca n't get another car loan for a loan that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar MortgageXXXX XXXX, Texas XXXX am writing because of the nightmare we have experienced since Nationstar purchased our mortgage from XXXX 's First 10 months ago. This will be my last attempt to resolve this before I file a lawsuit and register complaints with all of the relevant government agencies. 

We purchased the residence in XX/XX/XXXX and took out a mortgage with XXXX XXXX. We have never had a late payment and always maintained proper insurance. In XX/XX/XXXX our house was completely ruined by Hurricane XXXX. We requested permission and received it to knock down the house from XXXX 's XXXX. XX/XX/XXXX we knocked down the house, gave XXXX 's XXXX all required documents proving the house was gone and they gave us permission to cancel the flood and hazard insurance. 
Nationstar purchased our mortgage XX/XX/XXXX. After a few months, Nationstar asked why we did not have flood and hazard insurance. We explained and sent all the required documentation at least 3 times. XX/XX/XXXX, Nationstar put a charge in my escrow for {$2200.00} for purchasing flood insurance. We immediately called and called and after months of calling, they credited the {$2200.00}. 
We started building a new house in XXXX, XXXX and received the Certificate of Occupancy XX/XX/XXXX. As soon as we received the Certificate of Occupancy, we purchased Flood and Hazard Insurance paid both for a full year naming Nationstar as the Mortgage holder. Now XX/XX/XXXX, I see a new charge of {$2100.00} for Hazard Insurance. We again called and called, resent all of the same paperwork that we did in the previous months and the escrow department told us that they are sorry, the charge will be deleted. It was not deleted in XX/XX/XXXX, I called and they said it is OK, it is set for deletion. It was not deleted in XX/XX/XXXX, I called and called and when I got through, they said it was set for deletion. Now I received my XX/XX/XXXX escrow statement and not only was the charge not deleted, they estimated my XX/XX/XXXX insurance and the same rip-off rate that they are charging me through this company XXXX. Now due to the incompetence of the insurance and escrow departments, my mortgage is {$1600.00} per month when I was paying {$1000.00}. My new payment should be {$1000.00} plus insurance ( {$570.00} for floor and {$610.00} for hazard ) which is {$99.00} equals {$1000.00} plus taxes {$87.00} equals {$1100.00}. Very simple. 

My wife and I are exhausted dealing with this, I tried calling 3 times today and after waiting on the phone for a long time, I was suddenly disconnected. I would refinance with another company, but simply do n't have the time right now. I need Nationstar to remove the charges for the insurance, refund the escrow money and estimate my escrow correctly within 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX cable has sent me to collection for {$210.00} i was sent to credit protection association XXXX account # XXXX. they where informed this is a legal dispute and there is no debt owed. I am seeking damages due to poor quality service provided and network outages has resulted in a loss of trading profit of {$4900.00}. i do not owe them nothing for poor quality service provided. so i hear by now dispute this debt with you also. i have disputed this debt with the collection agency and XXXX personal and they keep on trying to collect. the damaged out way the debt. so this debt was paid when the damages out ways the debt.

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 04/28/2015 about Debt collection (I do not know) with Tormey Bewley Corporation (NM).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XXXX Group XXXXXXXXThey started calling me a couple of years ago claim that I owe them money but refuse to send me proof. Keep asking for my personal info so they can verify who I am. Told them if they wanted to verify who I was to send anything they had to say to me plus proof of claim/debt to me in the mail and if I got it and it was mine I would verify. They refuse. 
Some of the original calls said they were calling about an investment issue. I do n't have investments so I hung up on them. 
Still call constantly, blocked numbers, unknown names, cell phones. I have blocked them on all my phones. I think they are just a big bunch of scam artists.

Company response to consumer: Closed
Consumer complaint received 01/20/2017 about Mortgage (Home equity loan or line of credit) with U.S. BANCORP (IN).
Issue: Credit decision / Underwriting

Complaint: My wife and I applied for a home equity loan at USBANK and the process started off with the standard disclosures. The process seemed to start off fine with what was requested, but after a while the online secured portal system was not very clear. I was transferred to a couple different processors and main items were request multiple times. I was told thru the process my financials look fine and the appraisal was order on our home. Overall this process has taken 48 days and now they are declining our loan based on my income. My income according to another financial institution is fine and I will be closing a HELOC with that Bank which only took 10 days to process the application and are ready to close. I feel USBANK wasted our time and negatively impacted our credit score by pulling our credit with no commitment to see our application to the finish line. I have all the various email correspondence and screen shots of the application portal. US Bank has yet to return my phone calls and go over the underwriting which they have incorrect. I requested specific reasoning and they have yet to share it with me and my wife in detail. I am also trying to download my disclosure from the application portal, but they have limited the access for me to view.

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