milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/13/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I asked a customer representative on XXXX XXXX how much I owed to get my home mortgage out of default. I was given an amount and I asked if the method of payment was acceptable. The payment was returned two weeks later. I was told today I had to pay the late fees and could not repay them later ( as told by previous rep ). The delay increased the amount I owed to more than a thousand, catching me in complete dire straits. I do n't understand why I can not get out of default paying the months I missed alone. I should be allowed to pay fees ( which are egregious ) later. Please advise!

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/XXXX, I pulled my credit report as I was previously informed by my loan lender there were some inaccuracies on my credit report that will need to be correctly prior to them moving forward with my approval. On XX/XX/XXXX, I send a dispute with corresponding documents with via certified mail to all three bureaus. On XX/XX/XXXX, I spoke with a supervisor at Equifax, XXXX # XXXX, who confirmed the dispute and documents had been received. He then went on to state the account with XXXX was reporting accurately with a blank balance. I informed XXXX the balance is blank however it should reflect a ' {$0.00} ' balance as it does with XXXX and XXXX. The date reported on the credit reports indicates 'XX/XX/XXXX ' which three years post-bankruptcy discharge. There should be no activity reported on this account after by bankruptcy filing date of XX/XX/XXXX. The XXXX XXXX account also reflects a blank balance however should reflect ' {$0.00} '. XXXX stated he was unable to see this account on my credit. I informed XXXX I can see the account on my credit report as well as my lender can see the account on their end as well. XXXX informed me they are unable to dispute this account as they are not able to view it. XXXX continued to be very dismissive of these requests. This inaccurate reporting is hindering my loan approval process. 

On XX/XX/XXXX, I pulled my credit report as I was previously informed by my loan lender there were some inaccuracies on my credit report that will need to be correctly prior to them moving forward with my approval. On XX/XX/XXXX, I send a dispute with corresponding documents with via certified mail to all three bureaus. XXXX XXXXs credit report indicates last payment date of 'XX/XX/XXXX ' which is three years after my bankruptcy discharge.There should be no activity reported on this account after my bankruptcy filing date of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Debt collection (Credit card debt) with Eastpoint Recovery Group, Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I started receiving calls from East Point Group in XXXX, NY on XXXX/2017.  They claim that I owe money on a credit card that was already settled with the company that issued the card. When I did not agree with their claim that I owed on the card, they called my old roommate and my husband and told them that I had 19 outstanding delinquencies, that I was a liar, and specifically told them that I owed money on a credit union  issued credit card. This company called my old roommate, my husband, and myself several times yesterday and again this morning. This company is harassing me and my family in addition to lying about debts I owe. I have attached the receipts showing I paid off this debt to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (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: DISPUTE LETTERS WERE SENT TO NAVIENT FOR {$15000.00}, XXXX XXXX {$110.00}. AND XXXX XX/XX/XXXX AND NAVIENT AND XXXX AGAIN XX/XX/XXXX. NAVIENT AND XXXX XXXX FAILED TO PROVIDE ME WITH PROOF OF REPORT, CONTRACT OR ACCOUNT. INVESTIGATION TO XXXX XX/XX/XXXX REMOVED ITEMS FROM MY REPORT HOWEVER FAILED TO SHOW PROOF OF THE REMAINING ITEMS FROM XXXX XXXX OR NAVIENT WHICH WERE CLAIMED VERIFIED. A SECOND DISPUTE LETTER WAS SUBMITTED XX/XX/XXXX AND THE ITEMS WERE YET UNVERIFIED. VIOLATING 18 US CODE 1962-1964 15USC1692c 805 ( a ) ( b ) 15USC1692e 807 ( 9-10 ) 15USC1692K 812 ( a ) ( 1 ) 15USC1692e 807 ( 12 ) 15USC1692K 813 ( a ) ( 1 ) NAVIENT HAS NOT RESPONDED TO ANY OF MY LETTERS, XXXX XXXX MAY HAVE SENT ME A LETTER SHOWING ME AN ACCOUNT I HAD WITH ANOTHER COMPANY, I AM UNSURE OF HOW XXXX XXXX AND NAVIENT RECEIVED MY INFORMATION AND WHY THEY ARE USING MY INFORMATION TO EXTORT MONEY FROM ME. I AM UNABLE TO ACCESS MY CREDIT DO TO THESE FRAUDULENT AFFAIRS

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/2018 I had a pre-qualified offer from XXXX XXXX to purchase a car. I took this offer to XXXX XXXX XXXX in XXXX, NC. 

The financing department at XXXX XXXX XXXX submitted multiple credit applications on my behalf without any consent. XXXX XXXX XXXX fraudlently submitted credit applications without my consent to XXXX XXXX and Bank of America. There could be more but these are the two which I received letters for.

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 07/25/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with PENNYMAC LOAN SERVICES, LLC. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Penny Mac was sent a Notice of Error and Request for Postponement of Foreclosure Sale for XXXX XXXX. The Notice of Error advised PennyMac that it had failed to send XXXX XXXX the required Post Foreclosure Referral Notice and had failed to provide XXXX XXXX with a proper loan modification review. The Notice requested postponement of the foreclosure sale to complete said loan modification review. PennyMac is proceeding with foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Money transfer, virtual currency, or money service (International money transfer) with Deutsche Bank (CA).
Issue: Unexpected or other fees

Complaint: Moeny  transfer between  XXXX   XXXX  and  XXXX  vi a Deutsche Deutsche was   unexpected fee took from my account {$15.00},  XXXX  {$10.00},  XXXX  {$15.00} but I do n't know why Deutsche at this point.   It was  XXXX  sometime, my parents sent me my money to my US account.   It had happened.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I opened an a credit account w ith Capital One Bank USA NA i n  XXXX  of  XXXX . There was an immediate problem with me receiving my statement and I was marked 30 days late. At that time in  XXXX ,  Capital One was to cor rect this information on my credit bureaus but never did! I closed and paid off my account. I opened another account with them in  XXXX  with no problems until the present. They once again said they would remove the negative information ( per attachment ) but never did. I think they keep confusing th e two accou nts. The removal is to be fro the account ending in ...  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (GA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: This refers to the attached letter fro m Citibank.      In the letter it is stated " You opened your account online on  XXXX   XXXX ,  2016  ... '' This statement is false fo r two reasons 1. The accounts are never opened by clients. The accounts are opened by Citibank after app roving their applications.      2. I sub mitted my application on  XXXX   XXXX ,  2016 .  Citibank approved my application and sent my account documents via U.S.Mail on   XXXX   XXXX ,  2016 . I received these documents on  XXXX   XXXX ,  2016 . Hence, the account was effectively opened on  XXXX   XXXX ,  2016 , not on  XXXX   XXXX ,  2016  as claimed  by Citibank Acco rdingly, all requirements of Promotion  XXXX  were met and I am entitled to the Promotion cred it. Citibank is attempting to mislead me and the CFPB. Clients can not be held responsible for any delay on the part of Citibank in openin g the accounts.

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 11-02-2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I recently submitted a repayment option with my Mortgage Company Chase. I was assisted by a third party XXXX XXXX on XXXX XXXX, 2016 with explaining to Chase my reason for the temporary hardship. In the request I explained thoroughly to Chase why I had fallen behind on my mortgage due to a hardship. My father past away without a life insurance policy, therefore I had to assist in his burial expenses where I had to forego my mortgage payments for 4 months to pay off the burial and funeral expenses. When I could I would make a mortgage payment when I could. This is when I reached out to Chase for assistance. I sent to them all the necessary documents required and also explained to them that I am working a XXXX job XXXX days a week approximately XXXX hours and a XXXX job working XXXX days a week approximately XXXX hours. I feel this is more than enough income to grant me a repayment play and it would only be a short period for approximately six to four months. After a few weeks with the underwriters reviewing the reques, they came back with a decision to deny and suggested I arrange for a Short Sale. I know I am making more than enough income to bring the mortgage current with the option for a repayment agreement. That is not what I wanted.I want to continue maintaining the property and just wanted the option of a repayment option to bring the mortgage current. I was so hurt a little depressed from the decision. This is why I am reaching out to you all for further assistance. 

Thaanks

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have been repeatedly contacted by ERC. Every time that I have spoken to ERC, I have verified with them that the debt is not mine, the information that they have in their files is incorrect and the social security number that they have is not mine. They have assured me each and every time that I have spoken to them that they will take this out of their system and that I am not responsible for the debt. 

In XXXX, my identity was stolen and I have subsequently been having to file Security Alerts with all XXXX Credit reporting bureaus, as well as file police reports and FTC complaints. 

I have been repeatedly disputing the ERC Collections account. This is not my accounts. 

I have spoken to XXXX ( where the alleged debt is from ) and they informed me that this is not my account and they would inform the collections agency that it is not my debt. 

In fact, The information that ERC has is inaccurate, the social security number used is not mine and ERC has confirmed it is not my social security. 

However, that being said, ERC reported this debt to all XXXX credit reporting agencies after I repeatedly told them that is was not my debt. I contacted ERC on XXXX and spoke to the Office of the President and asked them how they can report this to all XXXX credit bureaus when I have repeatedly disputed this debt and informed them that the social security number they have for this debt is not mine. They then said that they do not need a social security number to file against my credit. I then stated that I have been disputing this debt and as such was informed by ERC that they would be removing it from their files, which they never did. After speaking to ERC on XXXX, the Office of the President said that they would be removing it from the credit reports, but they have not done so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/26/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (GA).
Issue: Struggling to pay mortgage

Complaint: XX/XX/XXXX XXXX XXXX XXXX c/o XXXX XXXX ( P.O.A ) XXXX XXXX XXXX XXXX, Ga XXXX The purpose of this letter is to file a complaint against Ditech LLC ( servicer ) & XXXX XXXX ( investor ). 
Around XXXX or XX/XX/XXXX, XXXX XXXX had contacted Ditech ( servicer ) for some assistance on the mortgage payments. XXXX XXXX advised the representative the mortgage payments are almost amount received for her SSI. Thus, XXXX XXXX is experiencing financial hardship due increase of expenses around the house. The representative confirmed that Ditech can aid with this request, but XXXX XXXX is required answer a few questions to see if qualified to receive some forms from XXXX XXXX to aid with her request of a manageable mortgage payment. 
I, XXXX XXXX, am XXXX XXXX XXXX, and I assisted my mother with answering those questions & filling out the forms ; however, XXXX XXXX or I was not advised the main requirement required to be approve for assistance from Ditech & XXXX XXXX. XXXX XXXX & I was never advised by all the representatives & supervisors from Ditech, letters from Ditech, missing documents from Ditech & XXXX w/ XXXX XXXX XXXX Ditchs response from the file compliant, XXXX 15 days investigating against Ditech , emails from XXXX , and phone calls with XXXX that we were advised that XXXX XXXX mortgage payments must be 60 to 90 days delinquent before providing any assistance. 

Therefore, our thought process is why send the forms for assistance twice, why tell us what documents were missing, why send all the required documents & forms for assistance, and why do a 15 days investigation if Ditech & XXXX w/ XXXX XXXX both knew XXXX XXXX mortgage payments were not delinquent & the account would not be approved because of this reason. 
When XXXX XXXX called Ditech onXX/XX/XXXX to see why, and a representative stated it was XXXX XXXX  who made the decision & that maybe my mother should sell her home if she could not afford her home. However, XXXX w/ XXXX XXXX stated it was Ditech who made the decision, and it was nothing XXXX XXXX could do as an investor. Then XXXX XXXX refused to provide XXXX XXXX with a supervisor, that all supervisors have a set schedule, the supervisors do not wait after XXXX to speak with consumers, and stated did advised XXXX XXXX of the 60 90 days delinquent. 
Thus, I reviewed all letters, documents, & emails very careful before writing this letter, and it was nothing said about the 60 90 days delinquent requirements. Now, XXXX XXXX mortgage payments are going to be {$860.00} w/ a SSI income of {$800.00}. All the letters & documents stated some kind of assistance would be provided ; however, we only got a rejected letter. 

Thanks XXXX 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 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have a credit inquiry on my credit file that I did not authorized from XXXX XXXX XXXX XXXX dated XX/XX/2017.

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 02/22/2018 about Debt collection (I do not know) with CAPITAL ONE FINANCIAL CORPORATION (DC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On or about XX/XX/2010, Capital One and there Agent Attorney XXXX XXXX XXXX, filed a fraudulent case against me without giving me any NOTICE of the alleged debt. I was never served. The case set on Maryland XXXX for XXXX YEARS and then the submitted and Affidavit Judgment. I have never received any notice and was never served. Why did the case just set on Maryland docket without any activity? This is fraud and i request an investigation into this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/16/2015 about Student loan (Non-federal student loan) with CITIBANK, N.A. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Citibank fails to issue me a statement when I ask. They can not tell me how much my payments are nor can they tell me my balance or interest. My mother cosigned and filed for bankruptcy. However I have made payments continuously and on time to satisfy my loan. Citibank REFUSES to issue me a statement monthly or answer my questions when I call blaming it on my mother. 

I want to pay off my loan honestly, but Citibank REFUSES to cooperate overtime I call for a statement. I have NO IDEA what my payments go to whether its interest or principal. 

I am asking for your assistance as Citibank has been UNCOOPERATIVE in assisting me. 

Thank You, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 about Debt collection (Medical) with First Federal Credit Control (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Medical debt of my minor son is his father who 's guarantor of his health insurance. I never received any medical bill from dr

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Mortgage (FHA mortgage) with Dovenmuehle Mortgage, Inc. (UT).
Issue: Loan modification,collection,foreclosure

Complaint: My husband and I were self-employed up until XX/XX/XXXX when we had to close our company and lost all of our income. We had made every mortgage payment to our lender on time from XX/XX/XXXX to XX/XX/XXXX. I immediately reached out to the lender to inform them of what had happened and begin the process for a modification or forbearance on our home temporarily until we could obtain employment. I submitted all documents, forms, etc. and kept in close contact with them the entire time. I was first to obtain a job, but it was only part-time. The mortgage company denied our first application for not enough income. However, my husband obtained full-time employment in XX/XX/XXXX, making considerably more money than me. I resubmitted the application, with proof of his job, and they denied us again, this time for too much money, no hardship. One thing they do n't realize is in order for my husband to have this job, he must live in another city during the week, which adds another rental payment for living quarters, subtracting from his monthly income, not including travel and other living expenses. We are n't able to meet all of our expenses even though he has a good paying job. Apparently, they ignored this information and denied us anyway. I had attempted contacting them myself and was only met with hostility and told there was nothing more they could do. I did n't even receive actual denial letters of the reasons for denial, it was just verbal over the phone. In addition, when I would try to call, the person handling our case was never available and of course, they never returned my phone calls. I recently began working with a third-party company to assist us in going back to the mortgage lender for reconsideration. The individual at this third-party company was able to get to the people who had " our file '' and was told by a person in their underwriting department that technically, we should have been approved for a HARP modification, but the " investors '' denied it and will never agree to the modification. The person also stated that our lender denies 95 % of relief applications, regardless of the validity or hardship, and the company is not a good lender to have a mortgage with. I do n't know what else to do. We have full intent to keep our home, but need some relief for a bit until we can get our lives and financial situation back together. This mortgage company refuses to work with us, which is unfair, and someone needs to investigate them. We are not the only homeowners suffering because of this lender and they need to be stopped. We want help to save our house, but they wo n't help us.

Company response to consumer: Closed with explanation