milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/22/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC ().
Issue: Loan servicing, payments, escrow account

Complaint: Good Morning, CFPB : I am a Military Service Member XXXX. I am writing reference an account with Ocwen Financial based in XXXX XXXX XXXX, Florida. This is a mortgage account with the underlying asset at XXXX XXXX XXXX ; XXXX, Maryland XXXX. 
I applied for a loan modification for this account. Ocwen took several months to process the modification. During the modification approval process, Ocwen reported adverse information on my credit file with the credit reporting agencies. I was informed by XXXX XXXX, a supervisor with Ocwen that my credit would be restored after the loan modification was executed. This did not occur. 
My relationship manager with Ocwen Financial is XXXX XXXX XXXX. I was advised by XXXX XXXX that I did not need to make a payment on the account until XXXX XXXX after the modification agreement was executed. However, on XXXX XXXX, when I contacted Ocwen to discuss the account, I was told that I had to pay a {$2000.00} past due amount for XXXX, XXXX & XXXX payments because no payment was made until XXXX XXXX. 
Ocwen 's failure to process the loan modification in a timely manner and their misapplication of funds to my account in the loan modification process has adversely impacted my credit and caused a financial hardship for me.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have paid on a XXXX credit cart for 7 years,XXXX a month, applying XXXX extra on a XXXX a XXXX bill, i paid close to XXXX and they say i owe them XXXX on a XXXXXXXXloan. they sent the debt to midland collection agency XXXX, and they call at least XXXX times a day, as late as XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/15/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NC).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XX/XX/2017, at XXXX XXXX, I went to the Wells Fargo Branch located at XXXX XXXX XXXX XXXX XXXX FL, XXXX, NC, XXXX to withdrawal cash in the amount of {$30000.00} from my personal checking and savings accounts. 

I was promptly told by the teller that I would have to sit down with a Banker to discuss taking that kind of money. I explained that I did not need to speak with a banker to withdrawal my funds. She then went to the manager who said they did not have enough cash in their vault and offered to give me {$10000.00} cash and the rest in a cashier 's check, which I would be charged for. 

I explained that this is unacceptable. 1 ) I should not be charged to take money out of my account, 2 ) I should not have to visit multiple banks to take out my cash, 3 ) I should not have to speak with a banker, so he can ask questions why I am taking cash out while he markets products to me. 

The manager said he would call other branches to see if I could visit their branch, and I declined. See # 2 above. The only other option was to take a cashier 's check where funds would be available next day ; however, I believe I should have access to my funds on-demand within reason. I do not think it is unreasonable to take out {$30000.00} cash for my own use without being charged.

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 07-03-2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (NV).
Issue: Struggling to pay mortgage

Complaint: This has been an on going process since SPS chose to leave a ups/fed letter at my front door with my final loan modification papers to sign and return. Everything else they send they send 9 times under 3 different names and I get 18-24 pieces of mail at my primary address as well as my formal address. The attached letter as you can see has my work address and was never sent to either my primary or my formal address. This just goes to add to there unfortunate ways they do business. My loan modification that took 2 years to get approved and I continued to pay the agreed amount of {$1100.00} was put to a stop when I called in XXXX 2017 asking for my final papers. They did send them XXXX/XXXX and it states left at front door. I never obtained nor was a signature required on such an important document. I should not be penalized for something so careless on there behalf. Why would I not return it when I fought for 2 yrs and 2 mediations to get this done. Now with no justification they want to increase my modification over {$600.00} per month in which my income does not support. {$1700.00} plus per month is more than 50 % of my monthly income. This is not justified and I should not have to continue to fight to pay my agreed amount in which the mortgage company I believe purposely set me up to fail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AllianceOne Recievables Management (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: ALLIANCE ONE COLLECTION AGENCY CALLED ME AT THE ABOVE PHONE NUMBER WHICH IS MY EMPLOYER, I ADVISED THE COLLECTOR TO PLEASE " DO NOT CALL '' MY POE PLEASE CALL MY CELL PHONE AND PROVIDED THE PHONE NUMBER TO HER. THE FOLLOWING CALL I WAS CALLED AGAIN AT MY EMPLOYER. I ASKED THE COLLECTOR IF MY ACCOUNT WAS NOTED TO NOT CALL MY POE BUT TO CALL MY CELL PHONE AND I WAS TOLD THAT MY ACCOUNT DID NOT REFLECT ANY TYPE OF NOTES OR INSTRUCTIONS, I ADVISED THE COLLECTOR TO " DO NOT CALL MY PLACE OF EMPLOYMENT '' ONLY CALL MY CELL PHONE AND AGAIN PROVIDED THE PHONE NUMBER.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Debt collection (Other debt) with Experian Information Solutions Inc. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Experian : Has an item from XXXX XXXX listed on my credit report ACCT # XXXX I have asked them several times to send me verification of this item they never do. This is an item dated XXXX/XXXX/XXXX but on another agency the item is dated XXXX/XXXX/XXXX so the dates do not match up that is false information. This item is reported on my credit report once a month an item that was never verified. The item is priced at 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 explanation
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: I am a victim of EquiFax cybersecurity incident., and have tried at least on 40 occasions to sign up for the Trusted ID service they are providing to all the victims. and have not been successful to complete the process. I have gotten as Far as establishing a signing Id and password, but can not complete the sign up process, i have created case number ( XXXX ) which they have closed. I have emailed them and called all the phone numbers they provided. They answer is always the same, The website is down, My computer is not working, Hang up, transfer back to the Q..and so on. Equifax have wasted lot my time by having me wait on line for 10-40 minutes each time to just tell me : callback, or just hang up, put back on the Q or the website is down of all the times I have tried to contact them, i was successful once when I to talked to some one who helped me establish an ID and password for the service. But can not pass that step at all. 
I wish that the FEDS would just shut then down, they should not be in business if they can securely handle consumer 's information I can be contacted by phone ( XXXX ) XXXX, or Email : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Bank account or service (Checking account) with ARVEST BANK GROUP, INC. (TX).
Issue: Account opening, closing, or management

Complaint: there was a payday loan taken out in my name sent to arvest bank which says they do not have an account in my name but did accept a deposit in my name into another persons accont.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 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: The address, birth date and employer name on my equifax credit report seems wrong. I am in the process of changing my apartment and when they tried to pull up my information from equifax, it showed the wrong birthdate, address and employment information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
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 just got back my Equifax dispute results and It says that I did not include account names, numbers, and the nature of dispute. Which is wrong since I always put account numbers and company name and nature of dispute. I was disputing XXXX XXXX for not verified because Equifax has not supplied me the documents used to verify this debt. Also they have not provided me who and when they allegedly verified this debt. Confirmation number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Bank account or service (Savings account) with BB&T CORPORATION (FL).
Issue: Account opening, closing, or management

Complaint: I was unaware that I am being Charged an inactive fee from BB & T bank in the amount of $ XXXX/month.I have it just as a little savings and my safety deposit box is also with them.These " fees '' should be deemed criminal, just because I do n't use the account once a month I am punished.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have settled an account with collection agency XXXX XXXX and they agreed to delete the account once it 's paid. The account was deleted on XXXX XXXX 2017 and experian re inserted the collection account by XXXX XXXX, 2017 without giving my 5 days notice as it is my right to be notified if an account is being re inserted and I called and sent in proof the account was paid and removed and re inserted I disputed with experian and XXXX sent me proof they sent to experian to remove the negative trade line and still experian still has n't removed the negative account

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 03-05-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with FIRST NATIONAL BANK OF OMAHA (WY).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I previously filed a complaint XXXX against XXXX XXXX for their paying XXXX despite my letter of XX/XX/XXXX specifically telling them not to. At that time I had a credit balance in my account, and XXXX XXXX decided to steal that credit from me by paying XXXX in spite of my written instructions which XXXX XXXX admitted they received in XX/XX/XXXX. In spite of not having made any charges, XXXX XXXX charged me late fees and penalties AFTER paying XXXX and depleting my credit. In their response to XXXX XXXX XXXX told me to contact XXXX to cancel my XXXX account and if that were unworkable to contact XXXX XXXX so that no further payment would be required. I also received a letter from a XXXX XXXX stating that the payments to XXXX would be placed in dispute but what was not done was to refund any and all late charges and penalties for XXXX XXXX stealing my credit to force my account to go late. More recently as I retired I finally have time to look at my records and it is clear that XXXX XXXX charged me penalties and interest for my repayments that were made on time and in full in XX/XX/XXXX. XXXX is a thief and a scoundrel with the recent XXXX politics it is time to hold XXXX accountable for his theft of my money and not providing any of the " rewards '' that I earned as a XXXX XXXX " member ''. I want repayment of any and all interest and penalties as well as all the payments made to XXXX after my written instructions to NOT pay XXXX after I dropped their ISP service.

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 04/20/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Advertising and marketing

Complaint: I received a letter addressed to me in the mail that states I was pre-selected for a low interest credit card from Bank of America, specifically a Master Card. The letter also says it is a " special offer for me. '' Because the interest rate was low I wanted to transfer a higher interest balance to this card. When I applied I was rejected for the balance transfer.

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 07/28/2015 about Bank account or service (Other bank product/service) with Trans-Fast Remittance LLC (NJ).
Issue: Making/receiving payments, sending money

Complaint: I tried to transfer {$2900.00} to XXXX on XXXX XXXX. The website/customer care stated that the transfer will happen in 4 hours. But after 2 days i receive a email stating that the initial verification is failed and they wont be able to transfer my money. I called the customer care and they told me that I would get back my money by weekend XXXX XXXX or XXXX of XXXX XXXX. I called the customer care ( XXXX ) today ( XXXX of XXXX XXXX asking for my money, when she tells me that I would receive my money only by the next weekend ( XXXX or XXXX XXXX XXXX. When i asked her what was the reason, she tells me that since i 'm sending money to business, it would take extra 5 days. I asked her that " the money was not even sent and that my details had failed in the initial verification, so how does it matter if the reciever is a personal account or business account ''. For which she didnt have an answer and she told me that that is how it will be. She also told me that she would escualte the issue but still the time frame will be the same. 
When i tell her that i would need the money back so that I can transfer it using another service, she cuts the call. I call the customer care again and ask the agent to connect me to the manager for which i 'm put on hold for about 30 mins. After which even the manager also states the same thing. 
I would need my money back so that I can at-least use another service to make the money transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I am in dispute of previously deleted inaccurate information re-inserted on my credit report, received on XXXX/XXXX/2015 from Equifax , dated XXXX/XXXX/2015 : Confirmation # XXXX : XXXX XXXX XXXX : Collection Reported XX/XX/2015. ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Mortgage (Conventional fixed mortgage) with WHITNEY BANK - NEW ORLEANS MAIN BRANCH (TX).
Issue: Application, originator, mortgage broker

Complaint: On XXXX XXXX, 2016 I applied on line for a home mortgage with Whitney Bank ( NMLS # XXXX ). On XXXX XXXX, 2016, I received an email from XXXX XXXX ( NMLS # XXXX ), the Residential Lending Officer with Whitney Bank who would be assisting me through the process. In that conversation, I spoke with him about pre-qualification requirements and the XXXX ( XXXX ) XXXX XXXX XXXX Program, a mortgage loan program that provides assistance to cover the borrower 's down payment and closing costs. On XXXX XXXX, 2016 I received a Mortgage Loan Pre-Qualification letter to purchase a home in the " {$350000.00} price range ''. The proposed loan was a Conventional 5 % down payment loan. The loan was also contingent on qualifying for down payment assistance for the XXXX XXXX program. 
On XXXX XXXX, 2016 a final offer was accepted on a house. The executed contract via email was forwarded to XXXX XXXX. The Third Party Financing Addendum of the contract stated that I needed to obtain conditional loan approval by XXXX XXXX, 2016. If for any reason I was not able to obtain financing prior to this date then I could terminate the agreement and have my earnest money refunded. This was highlighted in the email sent to XXXX XXXX on XXXX XXXX, 2016. Closing was scheduled on or before XXXX XXXX, 2016. 
On XXXX XXXX, 2016 I received conditional approval with a few remaining conditions. Conditions were met on XXXX XXXX, 2016. Again, on XXXX XXXX, 2016 I received another approval with conditions that were satisfied in a timely manner for closing. XXXX XXXX failed to deliver final disclosures, and obtain down payment assistance through the XXXX Program in a timely manner. As a result I lost my earnest money and other funds relevant to this transaction. 
Please see uploaded supporting documents and full complaint details.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Debt collection (Auto) with ALLY FINANCIAL INC. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Repeated phone calls even after a payment arrangement has been made ; calling XXXX minutes apart during work hours ( XXXX/XXXX/15 ) ; when calls are answered they will automatically go to hold and then disconnect after XXXX minutes ; callers have been rude and made insensitive remarks ; when a payment arrangement has been made company called XXXX times in a row first thing in the morning payment was expected even though there was still over XXXX hours to make payment as agreed ; when a supervisor is asked for due to poor or rude communciation it is often stated that no supervisor is available and that they will have to call back and no call is ever received from supervisor ; calling even after payment has been submitted online and then either are n't aware payment is already made or just hanging up after call is answered ; caller often unable to answer detailed questions

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2016 about Credit reporting () with EQUIFAX, INC. (AR).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Disputed this account several times it is reporting twice on all three of my reports. XXXX & XXXX. Same account. The original creditor is XXXX, and was sold to XXXX XXXX. Only XXXX is suppose to be reporting on my credit file. Instead of XXXX deleting the item. They just went from opened to closed on my report. The account been charged off since XX/XX/XXXX. And it was still updating on my report. The last update was XX/XX/XXXX. XXXX XXXX is reporting XX/XX/XXXX. I believe this is when the account was transferred to their office. Incorrect reporting. It is reporting on all XXXX credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Debt collection (Medical) with Credit Collections U.S.A., L.L.C. (WV).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: Hello, I was contacted by CREDIT COLLECTIONS U.S.A. ( XXXX ) due to an unpaid bill from one of the clients they represent XXXX ). 
I do not have a signed contract with XXXX XXXX XXXX. 
They abusively performed dental services that I did not request and were not beneficial in any way to me. 
I contacted CREDIT COLLECTIONS U.S.A. and show them the contract that XXXX XXXX XXXX made me signed was improper photo copied contract and that was unreadable because the left edge of the contract was missing and a good part of the words were missing. 
CREDIT COLLECTIONS U.S.A. still wants to represent then and still wants me to pay the amount although I have no contract with XXXX XXXX XXXX. 

Please contact me if you have any further questions, XXXX XXXXXXXXXXXX

Company response to consumer: Untimely response
Consumer complaint received 07/31/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (FL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have a private student loan financed by XXXX XXXX Navient since the year of 2010 I have made many payments on time and have recently lost the cosigner my mother and asked to renegotiate terms interest monthly payment amounts. No help of any kind little info to provide on my loan and why my interest has increased over 11 % on a loan balance of XXXX. This company is terrible and whats worse is the school it funded and I attended the XXXX XXXX XXXX is closing and I ca n't get a call or email back about getting a XXXX transcript why in the XXXX should these people get anymore of my money when this for profit was a scheme for the approval of private predatory loans with a failure rate of 50 to 90 % why should we pay back what should have never been approved for in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX I started the loan modification process. After submitting all the documents we started the process, soon after all the problems surfaced which dragged the process to XXXX XXXX many times I explained the situation to Bank of America either I received no response or a lie that my loan modification was in the process and would be approved once I resubmit needed documentation, Even the { XXXX } manager lied by saying that she is going to be working with me to complete the MODIFICATION not to worry. I was told countless lies. 

Most of my documents were either lost or not processed correctly. Those that were processed had all the wrong income figures. They literally made mistake in their calculations and did not want to accept responsibility. Even when I found knowledgeable individuals to explain their mathematical errors, their response was, " This is what it is, '' and that they were not going to correct them. They dragged the modification process while adding on late fees etc. In another department BOA has started the foreclosure process being that the loan is in default. According to { HAMP } guidelines ... .I qualify for the program

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation