milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-01-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (VA).
Issue: Struggling to pay mortgage

Complaint: My ( now ex- ) wife and I separated in the summer of XXXX. I had hopes that we would get back together, and made improvements on the house and one of the vehicles we owned together. As a result, I incurred debt and fell behind on the payments with OCWEN Loan Servicing. After a point, OCWEN refused to accept any payments unless it was for the full amount past due. I contacted OCWEN several times for assistance in applying for modification or refinancing. Although a dedicated " relationship manager '' was assigned to the mortgage, each time I contacted OCWEN, I ended up speaking with a different person, and was given different information -ranging from being told my application was incomplete or that my ex-wife needed to sign a quit claim deed. It was not until this summer ( 3 years later ) that my modification was processed and approved, after I indicated that I reported OCWEN to this agency. However, the terms of the modification while offering a slight reduction in monthly payments ( approximately {$160.00} ) would financially tie my ex-wife and together for 40 more years. Additionally, the overall loan amount would increase several hundred thousand dollars. When asked if I could just resume payments under the original terms, I was told that I would have to pay the past amount due -over {$18000.00} ( an amount due in part to the accumulated effect of OCWEN not accepting any payment until previous past due amounts could be paid ). While I am now starting to be on better financial footing, I am stuck in a catch 22 position.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX were doing a loan modification on our home in which they told us they were going to do a XXXX bankruptcy to stop the sale of our home. Unknowing to us it was n't a XXXX bankruptcy because it is now listed on our credit reports. I filed a complaint with Consumer Finance about this company already. This company is located in XXXX and we are located in XXXX and from my now understanding they broke federal law in doing this. we would like for this public record to be removed from our credit report. They charged us {$4200.00} for a modification that we did not accept and {$1500.00} for a supposedly XXXX bankruptcy. XXXX scammed us out of {$5700.00} for services not rendered. My first complaint with XXXX # XXXX was dismissed, I would like for you to please take a look at XXXX cases. This company is scamming people out their money and should be held accountable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Mortgage (VA mortgage) with PHH Mortgage Services Corporation (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: During VA refinancing from PHH ( loan # XXXX ) to PHH ( loan # XXXX ) the closing date was moved by PHH. A XXXX payment was not required as closing was supposed to be XX/XX/2016. Closing did not actually occur until XX/XX/2016 because of repeated delays by PHH. Then, because of the 3 day right of recision and a weekend, the loan did not fund until XX/XX/2016 PHH reported the XXXX payment 30 days late on the same day they funded the new loan. I did not miss any required payments.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (GA).
Issue: Managing the loan or lease

Complaint: I open a Furniture account with Rooms To Go and paid off. 
I bought some furniture again but Rooms To Go switched the address my payment is to be sent without informing. Meanwhile I made a {$62.00} payment to the account that I had. Rooms To Called me to say they not receive my payment. I made another Payment the same day. Two days later Rooms to Go send me the over-payment of {$62.00}. They charged {$37.00} for late payment. Again I made a {$220.00} payment to the new address provided by Rooms to Go. At the same Time I made {$100.00} to XXXX with the XXXX Bank that Rooms To Go now use. They continue to call me that I did not pay them. Even though they got my payment. They have reported to the Credit Bureau that I am late in paying. But I am not.

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 01/31/2017 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was reviewing my credit bureau reports and noticed many inaccuracies and items that I did not recognize. I contacted this company by mail on XX/XX/2016 asking them to provide documentation with my signature validating that this is indeed my debt. They have refused to provide documentation verifying the debt that they are trying to collect is mine. I have given them more than 30 days to get back to me. I reached back out to the credit bureaus and they instructed me to file a complaint with you all since the creditor will not respond to my communications, and is continuing to negatively report me to the credit bureaus with no documented proof. Attached is the letter that I sent over to them.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Debt collection (I do not know) with National Enterprise Systems, Inc. (DC).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: National Enterprise Systems has called me no less than XXXX times, and left XXXX messages identifying themselves as debt collectors, about a debt they want to collect from my brother. Half the calls and messages came after I talked with them and notified them that I am not my brother.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Bank account or service (Other bank product/service) with FIFTH THIRD FINANCIAL CORPORATION (IN).
Issue: Account opening, closing, or management

Complaint: My 5th 3rd Bank account has been hacked and I have notified them about the breach. This continues to happen after I went into the branch to state I have no online account and nothing is to be transferred out besides my mortgage payment. You see the Bank forces me to keep an account there because I took out a mortgage with them. That said, I complained to the loan officer while doing my loan paperwork that she is sending my private information through unsecured emails. I asked if they have secure email and she said yes and I said I do n't need a password or anything like with other Banks? 
No not at all, my bank records, social security number birth date and address all out there with no protection. Since then I have had my XXXX acct hacked and 5th 3rd twice and closing the account tomorrow. I called 5th3rd corporate office in OH only to find out they do n't have any compliance department and I mentioned the CCO 's name and she replied " I have no way to contact him or his department. 
I understand there are rules in place within the Gramm-Leach-Bliley Act that are not being observed by the Bank. I really need some help dealing with the Bank. 
p.s. The documents I provided to the Bank were emailed through a secure encrypted email system much like other Banks use. Opening it would require a password.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2016 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: these hard inquiries are fraud on my credit report and i want them removed

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a HARP loan with Bank of America. I was told that my loan was approved, but the day of closing they stated that the loan was denied I have not foreclosed on the home, and Bank of America refuses to assist with turning the water service over to the new owner that purchased the property. This should have been done when the new buyer purchased the home. Bank of America has terrible customer service and I am not sure how anyone does business with 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 01/26/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (WI).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My student loan payments were being applied to a loan that did n't exist during a period of time in the beginning of my loan payments. The loan company thanked me for catching this error but did n't move the payments back over. I 'm not sure where the money went but I was then told I was well behind on my monthly payments. Again, payments were being drawn out and applied to a loan that does n't exist. On numerous occasions through XXXX they 've pushed forbearance as an only option for me with my student loans. I 've tried income based payments but whenever I gave my amount ( XXXX ) they 'd always tell me that I made too much to help lower my payments which then put me into forbearance. Currently there is a loan out there for " {$2500.00} '' that now is going up at 24 % a year in interest but I was only made aware of this loan in the past 6 months but it 's apparently from 2009 and the creditor is the XXXX. I ca n't get proof of the loan paperwork nor do I recall ever taking a loan out through my own University ; plus I 'd of never applied for a {$2500.00} loan due to not needing those funds. Now this loan has gone up to {$5000.00} and increasing each year until it 's paid off. I 've tried to work with the XXXX but have gotten nothing but payment requests back. The Agency used my resume from a job application in Michigan to track down my employers and ask them if I was still employed. Consistently harassed by phone calls for payments I 've stated I ca n't make, documentation sent out for wage garnishment. The Agency harassing my parents for payments or work information. After looking at all my Federal Loans Online the amounts listed are much more than would be required for schooling and no matter the amounts paid there is no relief in sight to get help moving the balances down.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Credit card () with CITIBANK, N.A. (MA).
Issue: APR or interest rate

Complaint: XX/XX/XXXX or XX/XX/2016 I opened a new account with Citi through XXXX XXXX, it is a double cash card. I opened this account because they offered a 0 % interest on purchases and balance transfers for 18 months. I recently looked at my statements and noticed that they charged me interest. So I messaged them to inquire why they were charging me interest, and they told me the 0 % offer was only on transfers and not on purchases, that the 0 % offer for purchases ended XX/XX/2016. I asked how the offer could expire on the day I applied and was approved for the card, ( give or take a few days ) and they kept repeating that the offer was for balance transfers. I know they are being dishonest, I NEVER open cards with an interest rate on purchases, especially one as high as they are charging me, 19.24 %. It would n't even make sense to open a card with interest on purchases, as I had many offers with 0 % I did my homework, I looked at lots of cards, and I chose this one because they offered the longest 0 % rate on purchases and transfers. I feel like they are bait and switching customers and I think it is illegal to use such deceptive credit practices.

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 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX   XXXX   XXXX  is reporting a balance on my credit reports when the debt is paid.

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 08/14/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: We submitted a loan modification last year with my youngest daughter to Wells Fargo. They said we did not have enough income and denied us. I submitted for a loan modification with my oldest daughter. They insisted I had to use my youngest daughter also for qualifying even though I told them that my youngest daughter had not filed taxes and went through a divorce. They insisted. Now Wells Fargo says that we make too much money to qualify for a loan modification. My rate is at 5.625 I am on social security and over XXXX years old. I do n't want to move but they are forcing me to. I put a lot of money down on this home and they wo n't work me. They are not willing to lower my rate or modify my loan. Wells Fargo is taking advantage of me based on my age and not willing to work with me.

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 02/24/2016 about Credit card () with JPMORGAN CHASE & CO. (AZ).
Issue: Advertising and marketing

Complaint: When i go to XXXX I am getting " Very good '' odds to get approved for Chase Slate Credit Card ( as my credit score is XXXX ). Mostly XXXX is getting paid to advertise a particular credit card by credit card issuerers ( in this case JP Morgan Chase ). But when i got my refferral email to apply for Chase Visa freedom card - i do n't think i was approved for that. Now Chase will come with some weird reason not to approved my credit card application but if i am just rejected yesterday then Chase is paying XXXX to show me this credit card to apply for?? Moreover every such rejection impacts my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: My question is what is the procedure of score rating by Equifax. 
What is the basis for a late car payment versus a late loan payment. 
A credit card payment versus short sale, deed in leiu, foreclosure versus foreclosure started A late College loan payment A repossession How are terms of length arrived at

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Mortgage (Conventional home mortgage) with NAVY FEDERAL CREDIT UNION (OH).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: 1.I was steered toward a refinance cash out loan after I requested an equity line of credit loan to make repairs to my home. 

2.Loan was denied based on needed repairs revealed by the appraisal that I paid for in advance. The appraisal on XXXX was for more than the loan amount ( {$54000.00} ). I was not offered a different kind of loan or a lower amount.
3. Subsequent appraisal by a different bank on XXXX revealed a property value of {$75000.00} and no repairs needed. 

4. I believe the appraisal was rigged as a pretext. The true denial was for age and zip code bias. 

Loan App # XXXX for {$50000.00} with Navy Federal Credit Union. 
Applied on or about XXXX XXXX, XXXX. 

XXXX XXXX, mortgage processor. XXXXXXXXXXXX ; phone XXXX, ext XXXX XXXX XXXX, supervisor XXXXXXXXXXXX ; phone XXXX. 

I spoke with XXXX XXXX on or about XXXX and was told I have no recourse since I agreed that the appraisal fee was non-refundable. I assumed that it was a protection for the bank against an overstated valuation by the applicant not a device to deny a loan for their own purposes. 



XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/26/2016 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2010 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 06-09-2017 about Checking or savings account (Checking account) with U.S. BANCORP (OR).
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint: I purchased a convenience store on   XXXX   XXXX   XXXX    . Part of the purchase process is to apply to  XXXX  to accept  EBT cards ( food stamps ). I   h ad submitted the application to   XXXX   in  XXXX  and provided all the requested documents in  XXXX . A fradulent company called "   XXXX   XXXX   XXXX   XXXX   '' called my store in  XXXX . This company was impersonating to be from the government and asked for a {$320.00} fee for finalizing the food stamp application. The manager at my business fell for this scam and gave my bank account number and routing number to this company. Later I found out that this is a scam and this is a private company from   XXXX   XXXX  , California. This company withdrew money out of my bank account under the title "  Federal Compliance  ''. I immediately contacted  US Bank wh en this withdrawal was pending.  US bank r efused to stop this withdrawal and were not even able to tell me what company was this charge from. I have now contacted this company about  hundred times but t hey refuse to refund my money. I have also filed complaints with various government agencies. My complaint is aga inst US bank. They  refuse to do nothing despite the fact that I told them the whole situation. They were unable or unwilling to tell me what company was this charge from. Small business owners lile me work countless hours to earn a living and paid thousands of dollars in fees to banks li ke US bank. However it appears that US bank is aiding and abetting criminals like this fradulent   company and do everything to conceal the criminal 's identity.

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 12-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with McCarthy, Burgess & Wolff, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I entered into a service contract with XXXX wherein, XXXX agreed to provide me internet, telephone, and cable services. In return, I agreed to pay XXXX the agreed upon fee for aforesaid services rendered. XXXX has asserted that I owe arrears of {$590.00} for services rendered and has retained the services of McCarthy, Burgess and Wolff to collect the aforesaid arrears. I have disputed these arrears and in support thereof aver the following : 1. After my service contract with XXXX expired ; I formally and voluntarily terminated my XXXX internet, telephone, and cable service on XX/XX/XXXX ; telephonically, as well as, in person when I hand delivered XXXX 's XXXX Router, XXXX ( XXXX ) XXXX cable boxes, cords, and remote controls to my local XXXX at : XXXX XXXX, PA XXXX ; 2. The returned equipment is itemized as follows : 1 ) XXXX Router : XXXX : XXXX ; 2 ) XXXX Cable BOX : XXXX XXXX : XXXX XXXX : XXXX ; 3 ) XXXX Cable Box : XXXX XXXX ; 4 ) XXXX Cable Box : XXXX XXXX : XXXX XXXX : XXXX ; 5 ) XXXX Cable Box : XXXX XXXX : XXXX XXXX : XXXX ; 6 ) XXXX Cable Box : XXXX XXXX : XXXX XXXX : XXXX ; and, 7 ) XXXX Cable Box : XXXX : XXXX ; 3. XXXX services are prorated and billed one month in advance. I paid my final bill of {$250.00} on XX/XX/XXXX.During the year preceding my XXXX service termination ; I made XXXX payments between XX/XX/XXXX and XX/XX/XXXX totaling {$3400.00} ; 4. After my contract expiration, service termination, and recovering the aforesaid XXXX issued equipment ; I subsequently received email notices dated XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from XXXX seeking payments of {$450.00}, {$660.00} and {$450.00} respectively and threatening service suspension. I timely brought this error to XXXX 's attention by certified letter # XXXX dated XX/XX/XXXX ; 5. I received a bill dated XX/XX/XXXX ; from XXXX advising that my account had been disconnected effective XXXX XXXX, XXXX ; and seeking payment of {$590.00} for services rendered between XX/XX/XXXX and XX/XX/XXXX. I once again, timely brought this error to XXXX 's attention by certified letter # XXXX dated XX/XX/XXXX ; 6. XXXX continued to charge me for services that I did not receive and after I returned all the issued XXXX equipment and after I entered into a new internet, telephone, and cable service contract with XXXX on XXXX ; and, 7. Finally, I have credibly clarified the status of my former XXXX account and that I have attempted to notify XXXX as well as McCarthy, Burgess and Wolff of these erroneous records in good faith with no material or substantial response or resolution by XXXX or McCarthy, Burgess and Wolff in this regard.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation