milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/29/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (CO).
Issue: Trouble during payment process

Complaint: We have three mortgages that are now being serviced by XXXX. The original lender was a different lender. The terms of our loan is such that the interest rate far exceed what was standard at the time. We are paying nearly 12 % on one of them and almost 10 % on the other two. They were both primary residences at the time they were purchased and we were not told that the loans carried adjustable rate mortgages. 
The mortgage documents were never explained to us at all, nor were we given options. We were not told that the mortgages were adjustable. No part of this transaction was professional nor was it in line with the loan terms of the time. 

We are unable to refinance due to being self employed and they are now rental properties. Both homes are extremely upside down and we are not able refinace or alter the terms of the loan. 

The loans were structured in what can only be described as predatory lending. 

XXXX is the servicer and has even for years. We have tried to work with them and we do n't want to go through the many months needed for loan modification. We would like them to adjust the interest rate to something that is more in line with what the market was doing at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Bank account or service (Other bank product/service) with Nationwide Biweekly Administration, Inc. (NY).
Issue: Account opening, closing, or management

Complaint: I signed up with Nationwide Biweekly Administration in XXXX of 2014 for them to be a service company to pay our mortgage every month. XXXX a month half of our mortgage payment is deducted from our bank account and sent to them to forward to our mortgage lender. On XXXX XXXX I received an email that they were having financial issues and suspending accounts but mine was okay. On Saturday, XXXX XXXX I received a letter that my account had been suspended. Today I called XXXX which was on the letter and received a recording that XXXX mortgage payments would be made but going forward we were responsible for our payments. Also, any remaining funds in trust would be returned to us. I am uncomfortable with listening to a recording and want an actual person to verify my account information. I also called another XXXX number that was on their website ( XXXX ) and XXXX answered who purchased some of NBA 's customers. He tried to get me to become one of his customers. 
I want my account deactivated and my setup fee reimbursed. As well as assurance that the money I sent to them in XXXX will be used to pay my XXXX mortgage payment. And any remaining funds returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Debt collection (Credit card) with CITIBANK, N.A. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no knowledge of this debt. My account with XXXX credit bureaus has a fraud alert unit. The credit bureaus must provide me with written authorization or delete asap. I request that each and every account or inquiries be removed and I request an updated credit report reflecting changes.

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 09/13/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (GA).
Issue: Settlement process and costs

Complaint: I am a XXXX in the state of Georgia and I was hired to repair a home that had been damaged by a hail storm. The insurance check was sent to the homeowner in the mortgage companies name, Ditech Financial LLC, and the homeowners name. The homeowner endorsed the check and sent it to the mortgage company. After completion of the work the mortgage company was supposed to send a check back to the homeowner in my name and the homeowners name so I would be paid for the work. I submitted all requested paperwork to the mortgage company and they refuse to pay me for the work. The home owner and myself are on good terms and all work was preformed to the satisfaction of the homeowner.The mortgage company is stonewalling the payment for no apparent reason. I have been lied to by the mortgage company several times and at this point believe that the company has no intention of paying me. I have been left with no other option but to sue the homeowner for the amount due which is going to destroy our good relationship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Credit card () with SYNCHRONY FINANCIAL (TN).
Issue: Credit line increase/decrease

Complaint: I just paid a large portion of my, R'US ' Mastercard from Toys r us and Babies r us, credit card off, to under XXXX % usage when the credit card company decided to lower my credit limit and then immediately reported it to the credit bureaus so that it looks as though I am using XXXX % of my available credit when it was below XXXX %. On top of that, I paid XXXX on my card and they lowered it from XXXX to XXXX leaving XXXX dollars available and they did it based on false information that is being corrected and fixed on my credit accounts that I was unaware of. How am I supposed to get wrong information corrected on my credit when I am not informed that it was added to begin with! 
They wanted to use my debt to usage ratio as one reason when they are not even reporting their balances correctly? They also wanted to use my history of accounts as a reason when I can not control my history of what is being reported. How is this my fault or my responsibility to control when I can not? This hurts my credit and takes far longer to recover. It affects how much my interest rates are and costs me money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-09-2016 about Credit card () with BARCLAYS BANK DELAWARE (TX).
Issue: Credit determination

Complaint: I opened an account with Barclay card one year ago and I have never been late on a payment. All of a sudden, Barclays charged me a fee of {$500.00} as interest, running my account over the limit. This action represented the greatest threat of default on the card. It was bait and switch predatory lending in its worst form. I contacted the Consumer Financial Protection Bureau and Barclays turned around to waive the {$500.00} fee. However, in addition they used a new underhanded tactic to institute a punitive predatory interest rate of over 25 % on the account. This interest rate is higher than the 5-6 % interest rate that I currently have on my other accounts with other banks. Apart from being exploitative, It is a sure guarantee that this credit card will go into unavoidable default. There is no justification for this predatory lending practice. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Lender is not willing to issue an approval letter which gives the buyer adequate time to close the transaction. Buyer needs 30 days and lender has stated that it will only give 1 week. It is a ridiculous time constraint to close a transaction.

Company response to consumer: Closed
Consumer complaint received 01-04-2017 about Debt collection (Medical) with Ability Recovery Services, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have debt for a company regarding services I have never received. The company claims I had medical services in Arizona in which I have not had any medical services.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Filed dispute with Experian in writing that account in my file name XXXX XXXX XXXX did not provide contract with my authentic signature. Advised Experian to provide XXXX XXXX XXXX contract with my authentic signature. Never heard from Experian. I do not want this account verified. I want the signed contract with my authentic signature.

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 07/14/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Greetings, I am writing to complain about my student loans. I understand that the plan is to allow students to go to school to further their education, but the interest rates are extremely high. I will never be able to get out of debt and being that I went to college and was n't informed of the 5 years of deferment that has sky rocketed my loans. I feel that this has caused not only me, but others like me, to be in debt. I had to do a deferment for 3 months and based on the loan amount, 3 months add an additional almost XXXX to my loan. I do n't even make 2000 a month after taxes and there is no way that I will ever be able to pay this. I was not able to finish college because my mother had a XXXX during my college term and I was not able to finish because I had to drop out to help her. I am not making excuses but we are getting charged for stuff that we can not afford. We go to college with guarantees in our mental states that we will get a job, but rather then get a job we are getting high student loan rates. How is that if we have XXXX in the bank, we do not receive higher interest rates then 1-2 %, but if we owe student loan rates, they are tripling the debt? I am forced to live in a undersized apartment with my wife because we are both overwhelmed in student loan debt. We will never be able to afford a house or anything because the interest rate alone on the student loans has guaranteed us a life of poverty. I have even tried the student loan forgiveness plans and still I have come out on the bottom. My last check was {$850.00}. My part of my car note was {$310.00}, I filled up my truck for {$35.00}, I paid my {$100.00} towards my car insurance, and paid {$160.00} to cover my cell phone bill and I have less then {$200.00} left for groceries, gas, and products for my home for a two week period. I am asking for anyone that can to understand and to help with any type of assistance or forgiveness. We are out here trying to live right and to do whatever it takes to be great people to our society and we are loosing the fight against our country.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CREDIT ACCEPTANCE CORPORATION (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: 1 ) Credit Acceptance Keeps Increasing, decreasing and a third time increasing loan balance 2 ) Credit Acceptace is reporting that I've made 3 payments on loan when I never made 1 payment on loan due to a ongoing dispute. Loan date is XX/XX/XXXX, 1st payment was due on XX/XX/XXXX bunt never made payment due to dispute, yet they keep moving numbers around by saying I made payments or missed a payment Also disputed status not reported either.

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 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Experian and XXXX are reporting a Chapter XXXX Bankruptcy on my report, I request an investigation because I had not filed for Bankruptcy. XXXX answered back that it was verified, by a 3rd party vendor XXXX. I reached out to them to find they report whats in public records and it is the responsibility of XXXX to match the information to the Social Security number see letter attached. Whats worse is Bankruptcy are not recorded in XXXX XXXX County Public Records. Experian did the same thing allthough they never gave me as requested the name address and phone number of the parties reporting the Chapter XXXX to them. In my last correspondence with XXXX and Experian i sent them a copy of a Bankruptcy search for records form that showed i had not filed Bankruptcy see attached. They just ignored the Bankruptcy Clerks findings and continued to report the Chapter 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 07-09-2016 about Mortgage (FHA mortgage) with GUILD MORTGAGE COMPANY (MT).
Issue: Loan servicing, payments, escrow account

Complaint: I am again filing a complaint against Guild Mortgage company. Guild has continued measures of harassment although they have been notified of the sale of our home. The process is currently in escow and I have been providing them with current updates in this regard with certified and notarized documentation. I have tried and tried even through the previous complaint in which they changed legal documentation as submitted to the Consumer Financial Protection Bureau once they were required to submit documentation stating that they were right in their decision making and reporting of false statements on my credit report in which they admitted to myself and I provided that documentation and they went ahead and changed the exact documents omitting the data of their choice. They also changed our account history based on their want in which the documentation then then mailed to my house has been actively changed by XXXX XXXX. XXXX XXXX also had a associate contact me in response to these measures telling me that the recorded conversations of all phone calls they have on file and when I asked to liten to the recordings as well the male individual stated that those are their recordings and I will not get access or ability to listen to these recordings. I also find it rather disturbing that they are permitted to change legal documentation in regards to mistakes that were brought to their attention in order to avoid any further action towards them in favor of a borrower. Interesting that they now sent a certified letter stating foreclosure when XXXX verbalized permitting hold payment during the payoff period and now they are stating they are going to take our home when it has already been sold with contract acceptance and proof of lending from a different mortgager. They have forged documentation in stating that they were never holding money without our knowledge. It was done numerous times over the last 18 months but them being able to falsify documentation in order to present prejudice behaviors against us, changing dates and information. I hope that an investigation will be done looking deeply into their account process especially because they are actively breaking the forth set mortgage lending laws.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX 2016, my lender started sending letters saying purchased insurance on my behalf, and then they increased my 30 year fixed loan. I provided them with proof of insurance with no lapse in coverage in XXXX and XXXX. As of XXXX, they have n't acknowledged receipt of my insurance information. My insurer has provided to the lender twice. I have mailed the information to them in a certified letter on XXXX/XXXX/16. The prior lender also provided them this information when they purchased my loan. Additionally, my lender is sending me letters indicating I 'm a month late with a mortgage payment. I provided them proof of all my timely payments, which were electronically transferred from my band into their account. I 've spoked with XXXX representatives from my lender. Most of the time, they indicate that their computer monitor is not working and they ca n't look up my information. I 'm fearful that they are trying to foreclose on my home. I 've always been compliant and timely, and I have proof.

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 11/14/2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Trouble during payment process

Complaint: For more than a year, I am paying my mortgage to Mr. Cooper ( Former XXXX XXXX XXXX ) on time before the 15 of each month, that is the time that I have before getting late fees. I make electronic payments thru XXXX XXXX XXXX online services ( yearly payment statement attached ). On XXXX, I received a statement stating that I did n't pay part of my mortgage and Mr Cooper charged me late fees and the money that I supposedly did n't pay. I made a 3 way call between Nationstar and XXXX XXXX  XXXX. My bank rep confirmed that full amount payment was made electronically on time on XXXX/XXXX/XXXX ( money was withdraw from my account ). Nationstar admitted their mistake and returned late fees. On XXXX XXXX, this situation happened again. I spent an hour taking with Mr Cooper rep that did n't believe me and they could n't understand what electronic payment means, stating that Maybe I was using mail service to do it. A XXXX XXXX XXXX confirmed that full payment was made on time the same way, electronically, same address and account number. The problem was solve after that. 
Now I received a default letter stating that I did n't pay XXXX Mortgage. I contacted XXXX XXXX XXXX that proved that payment was made on time on XXXX/XXXX/XXXX ( All info was verified by Mr cooper rep ). I still being harassed by Mr Cooper, sending letter of " my default ''. I do n't know what is happening with Nationstar ( Mr Cooper ) that keep not registering my payments. This situation is causing me stress and anxiety. I pay on time and I do n't know what to do at this point. Attached you can find my online electronic payments and a letter from my Bank proving that Mr. Cooper received the money on time. This is the 3rd time and I do n't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: We purchased our home located in XXXX, Washington in XXXX of 2010. The title search revealed no outstanding mortgages on this property, so the previous owner, XXXX XXXX, walked out of the title office with a check for the full proceeds of the sale. 

Shortly after we moved in, XXXX began leaving envelopes on our doorstep addressed to the previous owner that came from XXXX home retention department. We immediately contacted XXXX XXXX and they reran the search and again came up with no record of any liens on our property. 

Several months passed and notices began to appear at our door to contact Green Tree Servicing. Unfortunately I was told that unless I had permission from the long since vanished previous owner, they would not talk to me. I did have XXXX representative at XXXX time tell me that they owned our home and that we should contact XXXX County and ask them about the missing deed of trust. 

I contacted XXXX XXXX and they agreed to open a claim against our title insurance in case Green Tree attempted to foreclose. XXXX further research revealed that an out of state title company recorded the deed in XXXX County, making it null and void according to XXXX claims attorney. A phone call to XXXX County also revealed that XXXX County notified the title company, but this title company failed to refile in XXXX County. The State of Minnesota eventually shut this title company down. 

We then began to have representative from Green Tree 's local foreclosure contractor ( XXXX XXXX ) ring our doorbell asking for the prior owner and leaving the same " contact us '' pamphlet behind. Eventually they quit showing up and no foreclosures were initiated. 

Apparently Green Tree has n't completely given up. For the past several years they have continued paying half of our property taxes. Our own bank pays the first installment and so does Green Tree. I contacted the County to find out who has made this year 's first tax installment and it once again was Green Tree Servicing. XXXX XXXX still has an open file, but Green Tree refuses to talk to them as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been informed from Equifax that I was effected by the data breach. After applying for Credit limit increase I was told one of the reasons were due to public records. After contacting Equifax and speaking to their representative, he stated there was an unauthorized data associated with my name and that he will update the information. I noticed that there were unauthorized inquirers on my report, so I 've contacted Equifax again and explain that to them the unauthorized inquires as well as how I was told I was effected by their data breach. The representative stated that he will go ahead and removed inquirers but before the call was disconnected I was told it was disputed. 3 days later I receive email that the inquires were factual, in actuality they are not and I 've explain this to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Mortgage (Other type of mortgage) with Nationwide Biweekly Administration, Inc. (CA).
Issue: Trouble during payment process

Complaint: I signed up for the Interest Minimizer Program through XXXX XXXX XXXX because it sounded like a great plan to save me XXXX on the life of my loan. I was totally misinformed on the cost of the program and and additional fees I discovered they were charging me. I tried to call the company to cancel their services, however they refuse to give me a refund. To top it off they suspended their services because the CFPB filed a lawsuit against them and they temporarily lost their privileges to handle my account. I am looking for help to gain a refund of my money, because the company will not work with me. I am not sure the outcome of the lawsuit, but any help would be greatly appreciated.

Company response to consumer: Closed with explanation