milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/20/2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Had XXXX old accounts from credit card companies. By statute under FDCPA they are to come off after seven years from date of last payment. Both XXXX and XXXX removed the inaccurate data no problem. Equifax has investigated it for 30 days and reported the same information. I told them last payment on accounts was XXXX 2009 and asked them for proof from the collection companies who bought the debts. Both of them replied the date of last payment was different month. I again stated to Equifax to provide a payment history from date of default showing last payment. Both collections companies have not done this and frankly can not supply this information as requested,. 
If these collection com [ anise can substantiate their position fine, but nether one has the resources of information to back up their claims.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-06-2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We were on time, every month with our mortgage. OCWEN began taking our additional monthly payments and putting them into a " suspense account '' rather than paying down our principal. When they would not pay down our principal, I asked OCWEN to apply my extra payments towards next month invoice. They said they would, but they never did. All additional principal payments never went to principal, but into suspense account. The math became impossible to understand. We never missed a payment, now OCWEN says we are six months behind! And we never missed a payment. They assigned us a " relationship manager '' as an advocate of Ombudsman Department but they never return calls or emails. Its a scam! Now they have a lawyer calling us and they stopped accepting regular monthly payments. They forced us into foreclosure and our perfect credit reports now have XXXX late payments and our scores went from XXXX to XXXX and dropping! Our loan officer says we can not qualify for a mortgage now. Many states, including California have fined them XXXX of dollars for mishandling loans, but they are still in business and they should not be. Remember, politicians take lobby money to protect big business. Only in numbers can the people prevail. Submit your complaint now and be heard!

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Mortgage (VA mortgage) with LoanCare, LLC (CA).
Issue: Trouble during payment process

Complaint: To : LOANCARE our mortgage servicing company. 
Since XXXX XXXX, XXXX you have increase our monthly mortgage payment from {$3600.00} to {$4400.00} by incorrectly calculating our property taxes. I have enclosed all the County contact information and documentation that would be required to correct this matter forthwidth. 
My wife and I have made serveral attempts to contact your Customer service department and have forwarded any information under ( Ticket # XXXXXXXXXXXX ) XXXX/XXXX/XXXX that you would need to correct this matter but yet you have continued to collected escrow monies beyond legal limits of Federal Real Estate Settlement Procedures Act ( RESPA ) We are DUE are refund from our escrow account Under the legal limits of Federal Real Estate Settlement Procedures Act ( RESPA ). 

We are once again are needing to send additional information to your escrow deptment since we are not alllowed to speak to anyone in your escorw department. 
Below here are escrow calculations XXXXX Mortgage COMPANY who you aquired our mortgage Calculated our Escrow monthly payment of {$880.00} based on county property taxes for just the land of 2 annual tax payments of {$1600.00} and 2 annual supplemental property tax payments of {$2000.00} the last supplemental tax was due XXXX XXXX, XXXX in spite of the fact you had excess money in our Escrow account and To avoid a 10 % penalty + {$20.00} fine We have PAID on XXXX XXXX, XXXX our County Property Tax The supplemental tax payments were temporary until the XXXX XXXX tax year after which re-assesment of the land and home combined in a supplemental tax would no longer be required. 

We have in XXXX XXXX forwarded you our new County property tax Statement under ( Ticket #  XXXXXXXXX ) for your escrow department to correct your Escrow calculation errors. You have yet to adjust our monthy automatic checking account withdrawal. 

At the begininning of the tax year we requested that you pay our suppliment property taxes and you reluctantly did make a tax payment of {$2000.00} by XXXX XXXX, XXXX but told us that you would not make the last supplemental tax due XXXX XXXX, XXXX in spite of the fact to had excess money in Escrow account. To avoid a 10 % penalty + {$20.00} fine We have PAID on XXXX XXXX, XXXX our County Property Taxes We have attached our our County Property Tax receipt to show we have Paid our Taxes That you refused to pay. 

Escrow County property tax Calculations {$5100.00} Due XXXX XXXX + {$5100.00} Due XXXX XXXX, XXXX = {$10000.00} / 12 = {$850.00} {$850.00} * 2 = {$1300.00} {$5100.00} + {$1300.00} + XXXX = {$7300.00} maximum allowable escrow balance Current Escrow Account Balance : {$15000.00} If you have any questions about our past or current property taxes you have the information of our county tax collector including phone number and addresses.

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 07-12-2017 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 60 days XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2018 about Debt collection (Payday loan debt) with SOUTHERN MANAGEMENT CORP. (AL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I took out a loan with XXXX XXXX in XXXX, Alabama last year some time. I didn't need the loan, I was basically just doing it to boost my poor credit score. They issued me a check and I attempted to deposit the check into my back account using the smart deposit. My bank rejected the check. In the process of all that going on I lost the check. I called them and told them my problem. A lady named XXXX was very ugly and rude with me. Basically calling me a liar saying the check has been cashed. Well it has not. They call me 5-7 times a day and I tell them to stop calling I'm not paying. They later sued me. I never received the paper. Now they have started calling again. Threating to take my house and any and all property. I have them on recording. I have asked repeatedly for them to stop calling. They still call and threaten me daily.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (CO).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Modification involvin g Ocwen and HAMP ; Submitted HAMP ap plication for Streamline Modification to  Ocwen Financial.  This initial package included at least one component of the Initial Package was faxed on  XXXX . Our Attorney submitted a request per the guideline in the Making Home Affordable Program Handbook for Servicers of Non-GSE Mortgages, Version  5.0  As if  XX/XX/XXXX  XXXX    XXXX   XXXX   XXXX  , Pg  71,   Borrowers in Bankruptcy.   Borrowers in active Chapter  XXXX  or Chapter  XXXX  bankruptcy cases are eligible for  HAMP  at the servicers discretion in accordance with investor guidelines, but servicers are not required to solicit these borrowers proactively for HAMP. Notwithstanding the foregoing, such borrowers must be considered for  HAMP  if the borrower, borrowers counsel or bankruptcy trustee submits a request to the Servicer.   In   XXXX   and because of the Chapter  XXXX  we were denied access to any workout with Ocwen. They refused to talk to me or transfer my calls, I was never instructed to submit a Attorne y Consent Letter  and was not advised that they did not have  one  on file.    Ocwen  has not given us clear information about the application other than it is in underwriting. We have been calling and contacting by email but  Ocwen  but there has not been cooperation in the past. Their attorney for   XXXX   XXXX   is involved in the process and insisted we give us Bankruptcy protections in order to have application for Modification processed.   Ocwen has improperly calculated our loan balances, we do not know if there are any misapplied borrower payments because we still have not received a statement. We do not know if the account balance is accurate amounts owed and information regarding how payments were received and applied.   We were not offered any   XXXX   Mortgage settlement offer for workout or modification. We did not and still have not received any statements. We wanted a modification in   XXXX  .   They left our loan sit our there so with no workout options and now threaten Foreclosure when we are nearly done with a 5 year Chapter  XXXX  plan. They are asking the Chapter  XXXX  case be dismissed.    Escrow  Account Mismanagement. The CFPB alleges that Ocwen mismanaged the our escrow account. They failed to correctly process escrow and insurance payments. We paid direct to the Insurance and they are still billing us in the escrow total. Escrow statement notates " FHA '' our loan is not an FHA.   We do not know what the Trustee payments were applied to.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (NV).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Hello, I opened a landscaping credit account with Wells Fargo Outdoor solution in XXXX of XXXX. My account has a no interest if paid in full by XX/XX/XXXX clause. After the landscaping was installed, I immediately set up auto payment with my bank to ensure the final payment would be made on XX/XX/XXXX with the first payment submitted on XX/XX/XXXX. Payments were made like clockwork on the XXXX of every month thereafter. I did not check my account again until XX/XX/XXXX when I noticed every month I was receiving a late fee and interest. I immediately called Wells Fargo and they indicated that because I made my payment every month one day prior to the billing cycle opening date every payment is considered late. At that point they agreed to remove all late fees and interest due to the fact I was unaware my payments were being made early. I then moved my payment date forward with my bank to avoid the same issue moving forward. I have since been checking my account every month to ensure the fees have been removed. It is now XXXX XXXX and some of my fees have been removed but there is still a fee balance of {$210.00}. I have made 3 additional calls to Wells Fargo pleading my case but I am now running into road blocks and my feeling is that Wells Fargo no longer intends to work with me. I explained to the bank that from my history it should be pretty obvious that I am not trying to game the system here and I should not be penalized for making my payments early every month. Thank you in advance for your help. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/16/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I had gotten a XXXX loan and a XXXX loan through my school XXXX and began attending school in XXXX, graduating the following year in XXXX. From the word jump there has always been problems with XXXX/Navient. When I first set up the automatic payment that was free because there were added charges to doing it any other way, they would charge me 2 or 3 times the monthly payment. Then when I would contact them they would tell me that someone must have entered in a number wrong and they were sorry for the inconvenience. Over the next few months other things would happen like it did n't automatically make my payment and charge me late fees and their excuse was the same every time. They never once would return the late fees. For months it was problem after problem until I stopped the auto pay and began doing it myself but the issues did n't stop there. Issues would come up where they would switch accounts on their end so my payments were no longer being received and more late charges or they would change the amount of my payments so I was under paying and more late charges. All of these things would happen and there was never a warning or something to let me know that they were changing not even when they changed their name which guess what, it cause the payments to not get processed and I was charged late fees. When things were tough they would lead me into thinking that forbearance was just a freeze on my loans and would n't have a negative affect on me in any way and they never gave me any other options besides going into forbearance. I still have issues with them to this day and am sickened by how they conduct their business. I hope this lawsuit ruins them and those in charge see the inside of a cell. The payments I make are almost the minimum and they are still the highest monthly fixed price bill I pay besides the mortgage on my house.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I am living in  XXXX  working and working in  XXXX , and have been accepted to  XXXX  's  XXXX  business s chool ( to start in  XX/XX/XXXX r ). I h ave applied for a loan and have received a loan offer, but  XXXX   XXXX  requires an Experian credit report. I have tried repeatedly to access my report, but each time I get locked out and get an error message. I 've spent nea rly three h ours on the phone over the last couple of weeks with the customer service and disputes departments, but I 've not been able to resolve my issue. I 'm not sure whether it 's because I 'm abroad or something else that happened when I tried to access my report ( the internet is n't always the most reliable ), but I really need this credit report so I can pay for my education.

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 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Remove fraud alert. I did n't make it and I 'm not mailing you all that stuff.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I had unauthorized pulling of my credit report at several car dealerships and a credit union. This caused my credit rating ( scores ) to all three credit bureaus to take a hard hit with all the hard injuiries listed without my permission.

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 03-02-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have several times requested a deferment but was told I was not qualified during my unemployment. I 've sent documents regarding my unemployment. When I called, I inquired about an Income Driven Plan and quickly faxed and mailed in my forms. During this XX/XX/XXXX year, I 've accrued late fees and capitalized interest charges since they put me in forbearance while they wait to receive the income driven forms I sent them. I called again in XXXX because I did not receive any letter and checked my account inbox to see if there were any messages regarding the progress of my forms I sent in - none. They tell me they have not received nor have any record of it and to resubmit it which I did on XXXX XXXX, XXXX. It is XXXX XXXX, XXXX and I have not received any answer to the forms I both re-faxed and re-mailed. Even though it 's been difficult without a job and looking for employment, I sent in a small payment because interest is accruing. After I made the payment, I received an email stating the amount of my loan and a XXXX interest payment until XXXX/XXXX/XXXX. " XXXX ''? I am not confident Navient is conducting business properly and I dont trust their system or professionalism. I still dont have an answer or letter of progress and have to continue making calls to them.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Consumer Loan (Installment loan) with MARINER FINANCE, LLC (FL).
Issue: Problems when you are unable to pay

Complaint: This account should it be pay by the loan unemployment insurance and they did n't and end it reported in my credic files

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Over the past 5 years I have been making small, {$50.00} payments to XXXX for a charged off credit card account. On XXXX/XXXX/XXXX I contacted XXXX in an attempt to settle my outstanding debt. They informed me that they had sold the debt to XXXX XXXX XXXX XXXX ( PRA ) On XXXX I contacted PRA and was told that they had obtained a judgement against me. I asked if we could settle this debt, and we agreed that it would be settled for {$1900.00} as soon as I received a letter confirming that the Judgement would be recorded as satisfied after my payment was received. As of today XXXXXXXX, I was told on three different  occasions that the settlement letter was in the mail, and once that it would be emailed to me. Today I was told that there was no settlement letter on file, and that they had no intention of providing one. I 'm at a loss as to what I should do. After the lies, and refusal to send written confirmation of the settlement agreement, what are my options? Do I need to hire a lawyer to have this resolved? Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Mortgage (Reverse mortgage) with PLANET HOME LENDING, LLC (NY).
Issue: Struggling to pay mortgage

Complaint: my monthly payments is going to high for me, they increase the mortgage payments,.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Upon viewing my credit report in XXXX of 2015, I saw Midland Funding XXXX XXXX was listed on my credit report. They were collecting on a XXXX phone bill that was not my account. I disputed the account with the Credit Reporting Agencies XXXX CRA XXXX. Midland Funding verified with the CRA that the account was being reported accurate and was verified to be my account. I then wrote a certified letter to Midland Funding requesting the documents used to verify, specifically any documents to prove my liability for the account as well as proof of any payments made on the account from my financial institution. In response, Midland sent me a false statement created by them, made to look like a real statement with my name and address to serve as proof of my liability. They were not able to send any signed agreements or contracts nor were they able to show any previous payments made by myself on this account. Midland Funding is participating in illegal debt collection which is punishable by law. As a final resolution and to prevent future court proceedings, I am requesting proper debt validation to show my liability for the account or the account be removed from my credit report.

Company response to consumer: Closed with explanation