milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-03-2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (DE).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX of 2011 my mortgage company, Ocwen, modified my mortgage under the MHA-HAMP program. I believe this modification was unfair, deceptive and predatory. I only recently realized that the term of the modification was only for 47 months with a ballon payment of approx {$210000.00}!! Given my financial circumstances, it does n't take a genius to recognize the fact that I would never be able to make such a ballon payment. Therefore, I believe that the modification that Ocwen gave me in 2011 was nothing more than a deceptive and predatory ploy to collect partially on a debt. Ocwen also recently denied my new request for a MHA-HAMP modification saying that I had " too much equity in my home ''. Then Ocwen said that I was n't eligible for HAMP because the maturity date for the ballon had expired. Ocwen were the ones that put me in such jeapordy in the XXXX XXXX place

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: By failing to adhere to both California law and the rules under CFPB, The party ( ies ) complained of in my initial complaint are not compliant with rules regarding dual tracking. The Parties are " covered '' under both California Homeowner 's Bill of Rights and the CFPB 's strict guidelines. 

I have a valid and complete loan modification package on XXXX XXXX, 2016 that has been acknowledged as received and no notice of deficiency of documentation has been received by me. I just received another Notice of Trustee during the pendency of my application. 

The Parties have also failed to respond to the initial complaint with competent and reliable evidence that supports all facts contained within all recorded title documents that were used against my contract rights. Specifically, the assignment ( s ) of deed of trust to an un-verified entity, Notice of Default, Notice of Trustee Sale. No authenticated evidence has been offered by the offending Parties by any person with personal, first-hand knowledge of those facts. I am not in default to an unknown, un-authenticated party that is currently in my chain of title without competent evidence to support the beneficial interest.

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 11-08-2016 about Bank account or service (Checking account) with PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT).
Issue: Making/receiving payments, sending money

Complaint: I was selling jewelry online from XXXX list to get caught up on my bill '' s. 
A buyer sent to me {$1500.00} dollar '' s which i deposited in People '' s United Bank. 
In XXXX after the check cleared, i was told to forward the money by XXXX XXXX. 
I was told to keep {$100.00} dollars for the price of the jewelry.after the money was wired by XXXX XXXX, after i went to my bank to with draw my money from my XXXX check and the bank stole my XXXX check which left me with nothing.I am a XXXX patient, i have to have XXXX and also XXXX four times a day. 
I ca n't pay my rent, gas and electric and also i cant even by food for my service dog. 
The banking XXXX office Social Security and the police officer all told me that people '' s united bank would work with me so i can afford my living expense '' s this month. 
They refused to help in anyway.After the bank cleared a bad check they confiscated my XXXX check, the bank manager XXXX XXXX was willing to help but she said corp office refused.I have other XXXX beside the XXXX and i cant get any of my prescriptions. 
Most likely will be in the hospital due to XXXX.I am broke and need help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/15/2016 about Credit reporting () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have been making numerous attempts to have Capital One validate this account that 's on my credit report. Every time I send them a letter of validation I receive generic and automated responses via postal mail. This account is reporting erroneous information and I want it removed from my credit report due to lack of validation as stated in the Fair Credit Reporting Act section 609 ( c ) ( 2 ) ( e ) and 611 ( a ) ( 5 ). Since the CRA 's along with Capital One can not validate this account it must be removed but neither parties involved are following the federal laws that are put in place.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Vehicle loan or lease (Loan) with VEROS CREDIT, LLC. (CA).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: My insuranse have diferernt lienholder the dmv was diferent lienholder and my credit report was diferent i want to no the real  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Debt collection (I do not know) with C & M Associates Group, Inc. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I received a call this evening from XXXX & XXXX XXXX. The woman on the other and proceeded to tell me that she 's been trying to contact me and that she had exhausted all means they were at the point were I was going to be served and sued. I proceeded to ask why and she told me I had a {$6000.00} debt in XX/XX/2003 but I had not paid. I asked why I had not received any communication and she said it had been sent and they would not send anything else because they have done their part. I went on to explain that I need the debt validated however the lady became very upset and told me that they had no reason to validated as if I did not agree to pay they were going to go ahead and pursue charges to me. I explained I do not have XXXX knowledge as my son has an incurable XXXX but I 'm paying for. I 've sold everything to help pay for my son 's medical needs at this time. she proceeded to laugh at my situation which was heartbreaking. She told me that today she would agree to take {$3000.00} as a settlement and at that point they would no longer pursue charges or sue me. I told her I do not have that kind of money and she requested that I give her pre-paid checks. I do not think it 's fair I have to pay a debt I do not know what it is nor fair that I 'm threatening to be sued

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Mortgage (FHA mortgage) with U.S. BANCORP (FL).
Issue: Loan servicing, payments, escrow account

Complaint: On or about XXXX of 2014, I made a regular mortgage payment to U.S. Bank. They returned my payment and stated that they do not accept partial payments. When I reached out to U.S. Bank in an attempt to understand what happened, no one could help me or explain what the problem was. 
Every month thereafter they have not accepted my payments because they deemed my XXXX payment a partial payment. 

I am XXXX years old and I do not understand what the problem is. I had enough money to correct any mistakes and make XXXX mortgage payments back in XXXX, but U.S. Bank did not work with me, despite my loan being an FHA loan. 

U.S. Bank has now filed for foreclosure against me, and I still do not understand what happened. They still are not working with me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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 requested investigation for the inquiries on my credit report TRANSUNION stated that Im at fault that they can not do anything for me. They refuse to investigate according to FCRA anything incorrect on your report must be investigated. TRANSUNION all they can tell me is that contact the creditor which Ive already done and got no respond.

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 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I made several calls to Navient in regards to lowering my payments based on my income. I was instructed over the phone to go on line and see what plan I qualified for. In the meantime Navient would put my loans in forbearance for a minimum of 60 days, but before the time was up, Navient would send me messages stating that my loan amount had increased as well as the interest. The amount went from {$400.00} plus dollars, to {$800.00} and then {$1200.00}. After reviewing the loan plans, I was only eligible for XXXX, and that 's because they do n't give Parent Loans any justice. Also, every time I applied for this one income based payment plan, the re-payment amount rose to more than what I was able to pay. I was always told that they could n't get it any lower. There have been numerous occasions to where I needed clarification on there polices and payment plans, but the representatives were n't capable of helping me, and I do n't think they knew how to explain any of the plans properly. The website is very confusing and non-user friendly. I filed a form, and sent it in, and received in the mail a letter stating that I did n't qualify so they put me on another repayment plan that resulted in higher payments.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Mortgage (Conventional fixed mortgage) with BMO HARRIS BANK NATIONAL ASSOCIATION (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: in XXXX XXXX my mother purchased a property in XXXX. In XXXX of XXXX she filed a revocable land trust naming me as beneficiary. in XXXX XXXX my mother applied for and was approved for a 2nd mortgage with Harris bank. I was told that due to the land trust, I would need to sign this 2nd mortgage with my mother. In XXXX XXXX, my mother filed chapter XXXX bankruptcy. I was paying the first mortgage, living at the location taking care of my mother. In XXXX XXXX my mother passed. I continued paying first mortgage. I never received any notices from Harris Bank about any money due them. In XXXX XXXX I relocated to XXXX. My mail was forwarded.in XXXX I attempted to purchase an rv. I was denied as a delinquent mortgage was reported by harris bank. I called them and they refused to talk to me stating my mom had filed bankruptcy and they could not talk to me. when I asked for debt validation, they sent me copy of promissory note I signed in XXXX. I called them and explained that I was unaware of any balance due. I explained that this report to credit stops me from refinancing and taking care of my moms debt. I also explained that I did not file bankruptcy and asked why no demand for payment was made before reporting this to credit. since their report, I have suffered extreme financial hardship. I later found out through other sources, Harris bank wrote this loan off in XXXX my mom had continued to pay until she passed. Harris bank states they never sent any notices stating that payments stopped or the loan was delinquent. I do n't have enough personal funds to hire an attorney, or pay the delinquency. Because of the credit report, I cant refinance as my score fell from XXXX to XXXX. I am unable to purchase a home in XXXX. It is my understanding that when a mortgage becomes delinquent, a demand for payment should be made before taking any other action. even if they had started reporting the missed payments on my credit immediately, I would have known and had time to rectify the situation. but they did not report anything on my credit for almost 2 years after payments stopped.

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 06/18/2015 about Debt collection (Medical) with Citi Management Group, LLC (KY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have been receiving numerous calls to my work place from a man name XXXX who says he is with City Management Group. He says I owe a debt of XXXX dollars for " XXXX XXXX ''. There is no such thin as XXXX XXXX it is known as XXXX XXXX. I found it to be very " shady '' I asked him numerous times to send me a paper bill to my address which they said they did but sent it to an older address of which i have not lived for almost 10 years. They kept asking me to " Take care of it '' over the phone using a credit card and i said i was not going to give any personal information over the phone unless I have verification of the debt via paperwork. They would not oblige, and kept harassing my place of work and I am a police and medical dispatcher. They called today while I was dealing with a call and i told them to politely call when I 'm not on duty to which he says " I never answer '' but they never call after XXXX which is when I 'm still at work. I hung up after telling him i was busy at work dealing with a call and i hung up. He proceeded to then call me back requesting to speak to my supervisor which is me. I told him that over and over how this debt would be handled and he has not obliged and instead harassed me for the last month or XXXX. And keeps threatening me with " further action '' Yet no " further action '' has been taken. 
The number they are calling me from is XXXX which is in XXXX XXXX. I 'm in XXXX XXXX. Ive researched the number and most websites have listed it as spam and harassing. I do not mind paying a debt if it is real, but i have reasons to believe this is not a real debt especially after I refuse to give them my credit card which i do not have XXXX and he tells me to go buy a prepaid card and put X amount of money on it. 
If this is a debt that i owe I gladly would pay it, but there are easier ways of going about trying to collect a debt and this guy XXXX has not done so and has been very unprofessional, rude, and threatening. I have recorded lines proving so.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (DC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My student loan servicer, FedLoan, has n't been properly designating payments of mine as qualifying for the Public Student Loan Forgiveness Program. Currently, FedLoan only has one payment on XXXX loan properly credited, when I know I have made dozens of qualifying payments. I asked FedLoan to look into this and correct the situation over 2 months ago ( I had also made a request over the phone prior to this, but I do n't remember the date ), but after following up a couple times, they still have n't corrected this. They indicated that it would take 90 business days to look into this and complete my request -- 90 business days is more than 4 calendar months!

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Debt collection (I do not know) with CNG FINANCIAL CORPORATION (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: For over XXXX years, debt collections appears on my report. I have no idea how i loaned money that I 've never seen. These loan companies eventually kept throwing the account into debt collectors which keep harassing me with phone calls during my duty. The debt collectors appear to throw my account into other debt collectors. I reported identity theft to the IRS and they gave me a pin for tax purpose. I disputed online with no resolve. I 'm also looking through information on where I worked, I never worked for XXXX. In addition, I stopped working for XXXX XXXX several years ago. The home address is also incorrect. I live on-post in an XXXX base, in XXXX. Before that I was stationed in XXXX. Why am I being attacked for being a victim of identity theft? Is n't the SCRA and FDCPA exist to protect consumers?

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Bank account or service (Other bank product/service) with Nationwide Biweekly Administration, Inc. (CA).
Issue: Account opening, closing, or management

Complaint: I signed up for Nationwide Biweekly in XX/XX/2014 to save money on my mortgage loan. My husband and I decided that we could handle our payment the same way Nationwide does so I called to cancel the service in  XXXX. The representative told me that I could not cancel because they have not collected the service fee yet. She told me that if I call back after XXXX that I could cancel. I had no idea there was service fee and I was shocked when she told me it was a whole mortgage payment. If I had known about this fee I would have never signed up for the service. I believed that the two extra payments from XXXX and XXXX would go directly to my mortgage as an extra payment, not a setup fee.  I recently got an email from Nationwide saying my account is "temporarily" cancelled because they lost their agreement with their bank.  I have tried contacting them through email and over the phone. I haven't got a response through email and whenever I call customer service it says they are experiencing high call volumes and to call back.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: As a potential customer at Conn 's HomePlus store ( Located in XXXX XXXX Texas at : XXXX XXXX ; XXXX XXXX XXXX XXXX # XXXX ( XXXX ) XXXX ), I was shopping for a new fridge. We were interested in the " in-store '' credit that was going to allow 12 months of interest-free financing. I was very clear that I did not want, nor would I apply for, a credit card. We were still deciding about which fridge to buy, so we decided to continue the process another day. 

I was contacted ( with my permission ) via phone by the sales associate who had been helping us. I was re-assured that there was no way I would be applying for a credit card " because that HAS to be done in person, '' and that we were simply applying for the in-store credit with Conn 's. 

I received a credit card in the mail from Conn 's a couple of weeks later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-03-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Not being allowed to have online access my credit information so that I can view the record and address any issues with disputed or incorrect information that is appearing within my credit profile ( s ). Being forced to make a phone call to address any issues and when that happens the issues are not address correctly and results in different credit report agencies reporting different identifying information of the same entity and or reporting the same incorrect information for different credit profile entity.

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 02-08-2017 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I am writing in regards to a fraud claim with Chase Bank, which I have tried to get resolved with Chase since XXXX XXXX with no success, which is the purpose for this complaint. For reference my case number with the bank is : XXXX noticed that since XXXX I have been receiving a recurrent charge in my account for cash withdrawals that I never made nor used, beginning in XXXX/XXXX/XXXX through XXXX/XXXX/XXXX. In none of the billing statements I received however beginning in XXXX, no cash withdrawals appear, nor on what date those withdrawals were made, or who made those withdrawals and where. I have the original account statements I received during that time and no withdrawals appear. I would like to clarify and emphasize that I did NOT make those withdrawals, do not know where those withdrawals were made, and on what days specifically they were made. I can only assume based on the information I have gathered that this may be a case of fraud or an error in the system of the bank. To this current date, I am paying interests on cash withdrawals I never made from XXXX up until present date. I am being charged a total sum of : {$2300.00} on cash withdrawals. I 've contacted Chase through various methods including notarized letters with my account statements and phone calls, to which my claim did not get resolved. When I sent the last letter in XXXX, Chase Bank sent a letter informing me that I requested for my bank to be closed and that my bank account had been closed and the outstanding balance needed to paid. To clarify, I never requested for my bank account to be closed in any of the letters I sent.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I Disputed these Debts a few times with the companies but they still havent removed them from my credit report I sent a few letters in trying to get them taken off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
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 have successfully sent over documentation/supporting details regards to this fraudulent /incorrect account that have been added to my file. After speaking to numerous customer service reps in addition to faxing over documentation showing I am a victim of identity theft. Despite showing supporting document XXXX, has failed to update my credit file accordingly. 

XXXX XXXX XXXX Amount of XXXX Reason : Fraudulent Account

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Rauch-Milliken International, Inc. (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This company called XXXX was suppose to design a website for me and also promote the website online. They made a website without my input whatsoever. Then they never launched it online. They wanted to charge me {$100.00} per month for website hosting and maintenance, but the problem is why should i pay for something that i do n't have or something that was never done. They are complete scam artists with many negative reviews online.

Company response to consumer: Closed with explanation