milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/27/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: OCWEN Mortgage company is refusing to address an over-charge for wrongly calculated escrow of taxes and insurance. We have NEVER missed a payment but they are applying our payments to some sort of holding account and not giving us credit for prompt payment. Please help us obtain the address of their registered agent in New Jersey, so we can file a small-claims lawsuit and get this resolved. The problem has been festering for 6 long months. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Problems caused by my funds being low

Complaint: I am a TD bank member and I had an issue with a company that was withdrawing from my account without my authorization and was taking out 4 different payments this also caused me to have overdraft fees. I went into my local branch to clear up the matter and they explained they could not help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-04-2018 about Debt collection (Credit card debt) with Merchants' Credit Guide Company (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Filed multiple disputes with company about the validity of the debt. The company keeps sending me copies of credit card statements as proof of validation of debt. I have asked for something more concrete as a way for validating the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Credit card () with NAVY FEDERAL CREDIT UNION (GA).
Issue: Closing/Cancelling account

Complaint: I 'm writing in regards to Navy Federal Credit Union wrongfully shutting down my credit card account that was n't delinquent and not re-issuing me a new credit card after the expiration date of XXXX, XXXX. I 've been a member with Navy Federal for 17 years and I opened my first credit card with Navy Federal in XXXX. Since XXXX I have been a good steward over my Navy Federal Credit card account. I 've had a few late payments here and there but I 've always made sure to contact Navy Federal about any account issues from my end. I 've been very consistent with my credit card payments with in the past two years and I even made a lump sum payment of {$1500.00} on my credit card payment. The total amount allowed on this credit card was {$2500.00}, the balance was around {$400.00}, and the account was n't delinquent at the time I received the attached letter. My question is, " Is it lawful for a bank to close and not re-issue a credit card account that is n't delinquent or late based off of your credit score? ". I 've paid off several loans with NFCU including my XXXX car loan. And I feel violated that they would close my credit card account when I 've been paying on time. If this is unlawful I was wondering what legal actions I should take?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was sold by Greentree to Ditech approximately 6 months ago. Since that time, my loan payments ( which have always been submitted on time ) have been applied to my escrow rather than my mortgage, thus making my mortgage payments late. We have contacted them each month letting them know that the payment has cleared our bank and they will reapply the payments to our mortgage, which does happen eventually. In the meantime until that payment is applied ( which can take up to 10 days ), we receive calls on our cell phones and our business phone stating our payments are late. Many of these calls come on the weekend and the evenings when we can not address the issue with a live person. This happens EVERY MONTH. My XX/XX/XXXX payment was not applied to my account until XXXX XXXX, therefore accruing for an additional month and making me over 30 days late when my payment was actually received by Ditech on XXXX XXXX. Additionally, my XXXX payment that was sent on XXXX XXXX is still showing delinquent. I talked to a supervisor today that said it is a known error and this is affecting XXXX Ditech clients. The collections calls are borderline harassment since there is no immediate recourse I can take, my mortgage payments are being held hostage due to a computer error, my credit has the potential to be affected and I am being charged unnecessary accrued interest!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Struggling to pay mortgage

Complaint: I was pre-qualified with the Illinois Hardest Hit program on XX/XX/XXXX, but in order to fully qualify for their program of which they were willing to pay {$35000.00} of my arrears, in addition to ( 4 ) future months of mortgage payments @ {$1000.00} ( TO BRING MY MORTGAGE CURRENT ), due to the lenders fees being in excess of what would qualify me for the program, I requested for the lender to waive or reduce their attorney fees of {$4400.00} as of XX/XX/XXXX, in order for me to qualify, since Illinois Hardest Hit Program does not allow homeowners to pay any fees to offset overages. <P/>In summary, I received a letter from a XXXX XXXX at Wells Fargo on XX/XX/XXXX stating that they were not able to waive or reduce their fees. With no further explanation being given. <P/>I am filing this complaint as this is extremely malicious behavior from the lender Wells Fargo, NA to intentionally not reduce their " inflated '' unrealistic attorney fees, and choose not to receive an immediate payout of {$39000.00} ( {$35000.00} to resolve the arrears, plus an additional ( {$4300.00} for ( 4 ) future monthly mortgage payments ), yet instead making a corrupt choice to choose to leave a homeowner, who has the immediate means to resolve her Mortgage Foreclosure arrears, be denied a logical resolution, and cause a homeowner to run the risk of losing their home. This is totally unacceptable behavior and it is illegal that this lender is allowed to get away with this type of MALICIOUS unlawful practice!!! <P/>There are many homeowners like myself who are working diligently to try and save their homes from foreclosure, and this lender has a normal practice of denying loan modifications, wasting precious time, playing the " I did n't receive those documents '' game, even when a homeowner has had those requested documents notarized by a legal entity, causing further hardships to occur for homeowners. It is very apparent that this lender is not willing to assist homeowners, and in my case they have laid it out in black and white, that they would be willing to try and foreclosure on my home, choosing to not waive {$4400.00}, than to accept {$39000.00} to resolve all of my Arrears and bring them to {$0.00} on the property. Who does that??? <P/>Thank you for pausing your day to allow me to file this COMPLAINT, and I will continue to seek justice against this unjust corrupt corporation, and I will also help as many individuals as I can to fight against this corrupt lender Wells Fargo, NA.

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 08/24/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Late fee

Complaint: In XXXX 2015, I opened a Bank of America credit card to make a big-ticket purchase from a sporting goods store because of the incentives provided by the credit card. It was the only purchase I made with the card. 

Upon receiving my first bill, I saw that there was a late fee because Bank of America had not received a payment for the previous billing statement. I was unaware that there was a previous statement. I submitted a payment for the full purchase amount, which was posted on XXXX XXXX, 2015, prior to the XXXX XXXX, 2015 due date. On XXXX XXXX, 2015, I contacted Bank of America to close the account and to see about having the late fees etc ... removed. At that time, I was informed that the account was closed, but there was nothing that could be done about the late fees. 

I contacted Bank of America again on XXXX XXXX, 2015, because the bank has begun reporting my account Past Due even though it has been closed for several months. According to the bank representatives I spoke to, my only recourse is to pay the late fees and interest, and then they can request a refund of the late fee ( which is only {$25.00} of the current {$49.00} balance ) as well as a request to update the credit reporting ; however there is no guarantee that either request will be approved. Additionally, I was informed that if had requested assistance with the late fees earlier, Bank of America would 've been able to remove them ; which contradicted what I was told in XXXX. 

I acted in good faith by paying the purchase balance of the credit card as soon as I was aware there was a balance due, and it 's not unreasonable for Bank of America to exercise leniency as a result.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-11-2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: My home loan was sold to a debt collector. From XXXX home loans to Select Portfolio Services. I have great credit and have NEVER missed a payment. Sps does not do any refinancing or loan modification. I ca n't take advantage of getting relief in any form unless I become sell my home for less or become delinquent. 
Since the home is underwater no leanding institutions will assist me. Not XXXX, HARP, HAMP, XXXX XXXX, MY BANK or any XXXX BANKS. 
I was never given the opportunity to search for a new lender nor did I sign any paper work. 
Is this legal? 
I feel like a prisoner with good credit history and it 's unfair, immoral and unjust.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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 wrote and mailed a dispute letter to Transunion delivered per US Certified Mail ( attached ) XXXX XXXX, XXXX. XXXX XXXX after waiting more than 30 days as instructed I had not received a response and reached out to Transunion customer service. I was advised that my dispute had been complete, that all accounts in question had been verified by the creditors but provided no documentation or evidence. I advised the representative that per my dispute and rights afforded to me by FRCA I was due copies of the original contracts to verify the accounts added to my credit reports or the information was to be deleted. The representative advised that they had heard that before but the companies were not required to provide them the information and they would not delete the records based on FCRA information i had provided. The representative said they mailed out my results on XXXX and i had to wait until XXXX before they could re-send another copy. I reached out to Transunion again after XXXX only to be told again they would not delete the records again and that i they would send me a copy as promised before and i would need to wait another 14 days for it to arrive. After attempting to work with Transunion on several occasions, being denied on multiple occasions, my next step is to start litigation against them.

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 01-03-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (TN).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: XXXX XXXX appears to be scamming consumers to collect 26.99 % interest on XXXX store card balances. On my XX/XX/XXXX statement, there were {$260.00} in new purchases, no interest charges, with a total balance of {$550.00}. The rest of the total balance falls under a 0 % financing offer through XX/XX/XXXX. There is no specified minimum payment associated with the 0 % balance. I paid {$270.00}, which is reflected on my XX/XX/XXXX statement. Synchrony arbitrarily decides not to apply {$92.00} of that to pay off the prior month purchases and instead begins charging XXXX interest on it. I call them immediately upon receipt of the statement and they say they will credit back the {$2.00} in interest charged. I told them this is not acceptable as the entire fix, the entire unpaid balance is 0 % until XX/XX/XXXX. I am told customers have to go onto their website and allocate payments. Again, I told them not acceptable, who has time to do that for 20+ bills paid per month? Asked them have a supervisor review my account, make sure this does not happen again, and told them I will make a CFPB complaint if it does. Sure enough, received statement dated XX/XX/XXXX today and the problem is only worse. New purchases of {$140.00} should have been covered by my {$150.00} payment. Instead the unpaid purchases balance is now {$400.00} with {$9.00} interest charged. This type of gross misapplication of payment could quickly cost consumers billions of dollars.

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 01/28/2016 about Debt collection (I do not know) with The CBE Group, Inc. (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am getting numerous calls a day from XXXX, XXXX, and XXXX. They never leave a message or reply when I pick up the line. I found out the company, CBE Group is a collection agency because I did an internet search of the XXXX numbers above. I have never received written communication from this agency and I do not know who they are searching for as they do not leave a message. I am complaining because they are calling multiple times a day, from different numbers. It is harassment and a violation of the Fair Credit and Collections Act to not identify themselves as a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 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 is missing that should be on the report

Complaint: THE CAR A XXXX XXXX XXXX SHOWS : 1. A LATE PAYMENT FOR XXXX XXXX BUT WAS PAID OFF BY XXXX XXXX AND I PURCHASED ANOTHER CAR. 

2. MY CREDIT REPORT DOES NOT ACCURATELY REFLECT THE AGE OF CREDIT. 
I PURCHASED THIS VEHICLE IN XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I made a XXXX rental car purchase ( Recommended by Chase ) via XXXX XXXX XXXX. When I was at rental car place the invoice came out to be {$220.00} and I was told that " everything was prepaid ... [ I ] have to signed the contract to pick up the car. '' After two weeks, the charged show up on my credit card and when I called CHASE to dispute the charge, after 4 hours of waiting CHASE was not even tried to help me but referred me to XXXX and closed my dispute without solution! After I called XXXX, the rental car service said I signed contact and the charge is not disputable. Now a helpless consumer, I have to pay for this scam hosted by TWO COMPANIES, CHASE ( refer and protect their partner ), XXXX ( force you to sign misleading contract, and so called protected by LAW ).

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (SC).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: On XX/XX/XXXX I was blocked from accessing my account for no known reason. I am highly upset with td and the way they handled this situation. Was on hold for over 30 minutes and treated rudely.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (IN).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: In XX/XX/XXXX, I paid {$700.00} to Santander Consumer USA on my car. The amount paid brought my account current. InXX/XX/XXXX I received notice that my car note was behind $ 1500+ dollars, and that I was 4 months late. When I contacted Santander about this issue, I was informed that the last payment they received from me was in XX/XX/XXXX and that I did not pay in XX/XX/XXXX XX/XX/XXXXor XX/XX/XXXX This information is inaccurate, and it still does not explain where the extra 4th month payment is missing from. <P/>I 've spoken with representatives, managers, supervisors and no one can seem to get my account correct. The issue of this account has dated back to XXXX, when I set my account up on a reduced payment plan due to a family emergency. At the time I set my payment plan up, I was informed that it would be good for 6 months, and at the end of the 6 month, my regular monthly payments would resume going into the 7th month. When I noticed that the company was still taking out the reduced payments, I found out that I was to contact the company and request them to change the reduced amount back to my regular payment amount. <P/>Santander Consumer USA has not appropriately applied the car note payment to my principal, and they are not accounting for all of my months payments. I am not the only consumer who is facing this issue. If you check out XXXX reviews, 1.6 star ratings overall is what the company has received.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2016 about Debt collection (Credit card) with Machol & Johannes, LLC (CO).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Machol & Johannes , LLC. intentionally sent a copy of a Writ of Garnishment to a third party, addressed vaguely so that it would be opened and read by someone other than myself. 

I am also certain it was sent to this address as a delaying tactic so that I would receive my mail late and be unable to respond in time to legal actions. 

On XXXX XXXX, 2013, I sent Machol & Johannes , LLC. a certified letter that included, among other things, very specific directions about how to contact me as I have a XXXX XXXX ( I live in a rural area ). The tracking number for the certified letter is XXXX XXXX XXXX XXXX XXXX. 

( This letter also indicated that they were not to contact me by phone, which they have continued to do. ) I also included information about my mailing address in court filings. ( The court has had no trouble sending documents to the proper address. )

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My daughter - XXXX XXXX XXXX - took out XXXX {$30000.00} loans. I co-signed a XXXX for XXXX of those loans. The college is XXXX XXXX XXXX XXXX and XXXX. The loan servicer is Navient, the former XXXX XXXX. Navient calls at all hours, and on weekends, as phone logs would support. I have responded a number of times. My daughter has attempted payment arrangements, and on the first payment they raided her checking account the night before payday and said she defaulted because the money was not in the account. The money was not in the account because they tapped the account early. My daughter wants to make a payment arrangement that her income can support, and that will cease the abusive tactics from Navient. When she was on the phone with a Navient collection agent, he yelled at her, threatened litigation, and would not accept a date for a payment arrangement. This agency, which conducts abusive, harassing tactics as a business model, calls my daughter at her workplace when she has asked them not to do so. I am the co-signer for XXXX loan, but the terms, fees, rates were never discussed with me by anyone at XXXX XXXX XXXX XXXX and XXXX, nor were they explained to my daughter, who was XXXX years old when she enrolled in 2004. 

My email is XXXXXXXXXXXX and my phone is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Vehicle loan or lease (Loan) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I am trying to pay off my last Auto Loan payment through Citizens bank. Since this past XXXX i have been trying to log on to their website, like i have done for the last 4 years to make a final payment, and i keep getting a message saying there is " no billing account associated with this profile ''. Which is preventing me to pay off my loan since i do n't have access to any statements. I used the " Contact us '' link and called the number and its fully automated and all i get after entering my account info is to " refer back to your last statement '' So i went to a local Citizens Branch and they told me that branches ca n't process auto loans, but they did look up my account and tell me it was still active. 

So i have been trying every number of Citizens Bank i could to try and get this resolved and i have yet to speak to someone.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Debt collection (Medical) with Commonwealth Health Corporation (KY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have a bill from XXXX and XXXX specialists XXXX started at {$800.00} I paid payments on time every month. The balance now is {$140.00}. I received a letter from hillcrest credit agency on XX/XX/XXXX17 stating that my account was turned over to them for XXXX. I have until XX/XX/XXXX17 to pay all of the amount or they will turn this over to the credit bureau thus harming my credit. I called the XXXX specialists and spoke with a manager that told me that the billing manager was out her name is XXXX. This manager told me that XXXX had sent not only my account but other customers bills as well on accident and that my credit would not be harmed due to their error. I spoke with hillcrest credit agency they did not confirm this information and stated that it would be turned in as of XX/XX/XXXX17. 

XXXX specialists XXXX XXXX and XXXX hillcrest credit agency XXXX and XXXX

Company response to consumer: Closed with explanation