milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/27/2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (HI).
Issue: Loan modification,collection,foreclosure

Complaint: The loan servicer has made repeated mistakes on my mortgage loan which it refuses to correct or investigate, issued notices of default for amounts that were not yet due, eventually stopped accepting my payments and has sued me for foreclosure. 
The servicer continues to charge me late fees after acceleration and during the foreclosure lawsuit. 
The servicer 's lawyer will not permit me to communicate with a sole point of contact at the servicer, make Requests for Information or Payoff Requests and is refusing to respond to the Requests for Information or Payoff Requests. 
I am being denied an opportunity to save my home and avoid foreclosure through the Making Home Affordable Program. 
The servicer and its lawyer are forcing me to accept a nonHAMP, nonaffordable loan modification that is not based on my income or ability to pay with a balance that I do not agree with because it includes fees and charges I have tried to dispute or be faced with a possible foreclosure judgment against me and loss of my home. 
I am being forced to sign a loan modification agreement whose payment terms I do not understand, am not able to compute mathematically, and whose balance includes fees and charges I am not being allowed to dispute or have explained to me by the servicer. 
The servicer is subject to an existing Settlement Agreement with my state 's Attorney General, and my loan is eligible for coverage under that order, but the servicer and its lawyer are forcing me to either accept a loan modification that is not based on my income or ability to pay or be faced with a possible foreclosure judgment and loss of my home.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Mortgage (FHA mortgage) with U.S. BANCORP (IL).
Issue: Settlement process and costs

Complaint: We were behind several months on our mortgage. While we were working on a repayment plan, another department had started the foreclosure process. In XXXX XXXX we completed a Default Resolution Option to bring our mortgage current. We worked with the bank for a month or so and signed papers by the end of XXXX. When I did not receive any kind of bill or anything, I sent in my first payment in XXXX of XXXX, which they accepted. Then another two months went by and we could not get an answer to why we were not receiving any kind of notification so I sent another check for the agreed upon amount. That was returned back to us. In XXXX we received foreclosure paperwork. We went to the court everytime there was a hearing and even filed against the bank after a year of court dates every 6-8 weeks which they would never show up to. Unfortunately my husband became ill and could not go to court and the case was closed (? ). At the end of XXXX, XXXX we received notice that we could qualify for a Loss Mitigation Foreclosure Alternative. I spoke to US Bank representatives several times to clarify that I was understanding what I would have to do to save my home. They told me there would be three or four months of a high payment of about {$1400.00}, to 'prove ' that I was serious about saving my home, then the mortgage 'should ' drop down to under {$1000.00} per month ( I heard the representative figuring things, looking at approximate interest rates and estimated that the payment would be about {$900.00} ). I made my XXXX payment XXXX XXXX and continued until XXXX. At that time I was set up with the 'regular ' payments which was only {$50.00} less than the initial phase payments. All of a sudden no one knew why I was told that the payment would go down. So my mortgage of {$150000.00} suddenly went to over {$200000.00} because they added fees and interest ( which I do n't believe I was told about at the beginning ). 
Now I have checked out refinancing or seeing if I am eligible for the Hope program but no XXXX will finance over {$150000.00}. My house is worth about {$110000.00}. Today I owe about {$190000.00}. I am now stuck in my home, I ca n't sell it or refinance it because of everything they added to the original loan. I feel they were very deceitful and did n't want my home so they made me belive my house would once again be affordable after the initial 3-4 months.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have 4 collection accounts from years ago that keeping being reported as current. they are either duplicates, old or paid as agreed but now show as recent collections. I ca n't get help from the creditors/collection agencies. I was referred to you to submit a complain for XXXX XXXX. I need help and ca n't get any funds. This separate database has totally ruined my life and chance of rebuilding for me and my XXXX kids. I was forced to leave a dangerous abusive marriage and was told i would have help and protection against discrimination, etc. Where is my protection now? 9 years of working so hard to feed my kids and trying to clean up everything. my joint bad credit finally is off my records and now what do i do. Today XX/XX/17, I was denied a small loan by XXXX XXXX, XXXX XXXX, and XXXX XXXX and more in the past few weeks. These companies charged thousands to borrow {$500.00} and that is also why this company is hurting my life. For all single mothers that get out of domestic violence, it is not easy and no one is there to help. you have to beg and search and see if you are lucky to find resources. I lost my home last year and could n't rent a decent place because of this. Please help me take any negative credit off my record under Clarity and then they need to report to the 3 bureaus. Transunion, XXXX, XXXX. please help me on this. XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 about Mortgage (Conventional fixed mortgage) with CITYWIDE HOME LOANS A UTAH CORPORATION (CO).
Issue: Application, originator, mortgage broker

Complaint: Citywide Home Loans is giving box seats at he XXXX XXXX to realtors as a gift for referrals. This is a violation of RESPA and not fair to the rest of us who are playing by the rules.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2015 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: There are thousands of complaints, and have been for several years, about Equifax and their ridiculous verification questions that end up denying most of all free report requests on XXXX. I have a credit score of well over XXXX and I keep all my financial info at my fingertips and the questions they ask to verify your identity are just plain stupid. They obviously do n't want to give out free reports and so far I do n't see any government agency doing anything about it. I 've tried for 5 straight years to get my report from them online with ZERO results. I applied for my XXXX year old daughter 's report today and the verification questions were about her " mortgages '', " credit cards '' and " car loans '' ... none of which she has. And of course ... request denied. " Please fill out our obnoxious paperwork and give us a couple forms of identification and MAIL us ''. WHY ARE THEY STILL GETTING AWAY WITH THIS???? If they were a person I 'd XXXX. For an organization that has the PRIVILEGE of handling everyone 's credit scores they do a pathetic job of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/20/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Bankruptcy

Complaint: Capital One/XXXX is reporting derogatory and inaccurate information on my XXXX and XXXX Credit Report. This credit item was listed on my Chapter XXXX Bankruptcy filing dated XXXX/XXXX/2013 and discharged. Please see attached filing.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I made several attempts to contact AFNI Collections through correspondence of mail asking to validate the debt. No response was ever received from AFNI. On XXXX XXXX I sent an email asking for it to be deleted. Two days later I received an email from AFNI saying they were no longer handling the account and will submit a request to the credit bureaus to have item deleted. Here it is no deletion has taken place on my credit files. I called the credit bureaus on XXXX XXXX and were told nothing had been submitted electronically asking them to delete the item.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Consumer Loan (Installment loan) with HUNTINGTON NATIONAL BANK, THE (IL).
Issue: Managing the loan or lease

Complaint: I opened a line of credit with Huntington Bank. The account number I am referring to is # XXXX and it is attached to some land I own in Michigan. I asked the bank for statements a long time ago and never received them. I am currently selling the land and I asked for statements covering years XXXX through XXXX. I originally talked to XXXX there about these over a month ago. When I never received them, I called back and she said she put the wrong account number on the request. I again asked for these statements and the bank demanded {$900.00} for copies. I told them I needed to check some discrepancies on the loan amount. I plan to pay them off, but I need to go over these documents. I called to talk to XXXX 's manager, XXXX XXXX, but she was unavailable. XXXX said the bank is demanding payment for the copies or they will not supply them to us. I told them it is in their best interest to give us the copies so we can check them over, but they refused. I want to get this loan paid off but the bank will not work with me on this information. I am disputing the amount they have down of {$14000.00} for cash advances and {$7000.00} for purchases. I am trying to find out where these figures came from when I do n't remember authorizing these charges. A copy of these statements would help to clear this up, but I am a XXXX and can not afford to put out {$900.00} for copies. I have tried to work with this bank to get this resolved, but to not avail. I really need your help. I want to make sure the amount showing I owe is accurate. It seems too high since I have been paying for such a long period of time. You would think the bank would help me so I can resolve this and pay them. Again, please help because they will not budge for me.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Prepaid card (Payroll card) with CITIBANK, N.A. ().
Issue: Unauthorized transactions/trans. issues

Complaint: Like XXXX days ago someone stole my citiprepaid card and they do several transactions without any sign or pin involved that is the first issue then they send me a VIRTUAL prepaid card so I can do transaction in internet I do like XXXX transactions and then the card the card stop working, ,I 'm a XXXX XXXX and they put our salary in this cards and there is not other choice is there or nothing alse so in order to use my money I need a fiscal card but because I 'm on vacations they can not give me only when I 'm on board, and city prepaid do n't have any office in XXXX the country that I live so I talk to a guy that tell me if was a corporate supervisor after explain to him all the situation and spend more than XXXX hours talking to a lot of persons he told me they ca n't do anything cause they do n't know what is the problem they say everything was right XXXX the card and if I want to do something I have to send the money by global deposit and I will have the money in 4 days is been already 8 days and my money is not in my account or the card account so I do n't even know where is my money and they again say I have to wait more than 14 days to see what is happening with my money I 'm on vacations and I need my money nowwwww is all o have is annoying that u ca n't use your money because the bank told u they ca n't do anything when they are the ones doing the transactions!!!! And also in their internet page there is a part where they put that would be 4 days to do the transaction!! So at the end they are lying to the people promising something and then when they do n't know what to do they just change the rules!!! I really need ur help cause they even say they are not a bank!! And what I know they bellow to citi bank I just need my money and I do n't want nothing to do whit them anymore for your help thank you.

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 11-10-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Deposits and withdrawals

Complaint: On XX/XX/2016 a garnishment levy was placed at Bank of America and a hold was placed on my personal checking and savings account. On that same day a " judgement debtors claim for exemption '' was filed in the 11th judicial circuit court, XXXX, MO and delivered to my local branch of Bank of America. Bank of America staff accepted but refused to honor said filing. They submitted it up the corporate pathways and told me each day that it was being processed. No one would let me communicate with the legal department, nor did they ask for more information. I also talked multiple times with the Law Firm holding the garnishment and they informed me that I filed correctly and presented correctly to the bank. On XX/XX/2016 the Law Firm holding the garnishment fully released the garnishment and faxed multiple locations of Bank of America, including my local branch, the legal department, the XXXX, MO branch and another department ( unnamed ). When I presented in person back to my branch in XXXX, MO after speaking multiple times to the customer service line, I was informed ( as they held both copies of both legal documents ) that the matter would have to be processed until XXXX at night when I then could call to have my problem " escalated '' which would give me my funds no sooner than the following XX/XX/2016. 
The law states I should have had my money released immediately a week ago.

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 11-05-2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (MD).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: keeps calling my job and harassing me at work on a debt that is over 15 years old

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Debt collection (Medical) with Automated Accounts Management Services (IA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have XXXX XXXX XXXX so i have no hospitals bills plus the Collections i see it wasnt me. My. XXXX had stole all my important things like birth certificate id social security card evrythjng and has been falsy usi g my identity..if i go to doctor my i suraces which are active pay for it all. So any that dont have my i surance wasnt me. Please help with this ... im homeless causr. Of my credit .my mothrr ruined it t she died now its my aunt.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Mortgage (Other type of mortgage) with PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (NY).
Issue: Closing on a mortgage

Complaint: approximately  XXXX  of    2007 Peop  le 's United  Bank  I r eceived a 15 year loan of {$300000.00} for repairs on m y  XXXX family home.  I am in t he 11th year of   the loan and upon requesting a payoff statement for a closing to take place in approx. 2 weeks, to my astonishme nt People 's United B ank, CT has tacked on a pre-payment penalty of {$13000.00}.   A pre-payment penalty figured out by this bank without even showing me the formula used to calculate it. No interest rate. They say " the guys in secondary figure it out ''. I need help navigating this maze of Bank greediness and criminality. Please help. P.S. The loan payoff is approximately {$140000.00} so the  PPP i s close to 10 %. This I feel is egregious and should not stand.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I contacted XXXX, spoke with XXXX XXXX ( Special Handling Supervisor ) to dispute the three US Bankruptcy items on my credit report. I asked XXXX to verify and validate where he received his information about the US Bankruptcy files. XXXX stated, " we verified this information straight from the US Bankruptcy courts. I then asked if he could send me a letter validating the information in regards to the US Bankruptcy items on my credit report. XXXX  stated, : I would need a subpoena to validate that information. I then advised XXXX, that I contacted the courts whom stated they do not give out any information pertaining to any bankruptcy cases. I then asked to speak with his supervisor. I spoke with XXXX XXXX  whom stated, " they verified this information with a third party vendor and then turned around an stated that they verified this information straight from the courts. I submitted XXXX letter asking for this information to be validated and a letter sent out.

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 10/14/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (OK).
Issue: Settlement process and costs

Complaint: Well I have a loan with chase bank that I have had for at least XXXX years it is 9.25 percent interest and the loan they gave me was more than the house is worth. I have made all my payments and as you no i ca n't get the loan paid down cause I 'm paying all in interest.I have tried numerous times to refinance the loan thru chase but they wo n't budge and no one else will work with me cause I owe to much on my house. Can you please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (MD).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I opened a second checking account with Well Fargo for bill paying my account went negative due to unauthorized transactions and thereafter the account closed and was sent to a collection agency without notice. After contacting Well Fargo at its executive level spoke with a XXXX XXXX XXXX refused to oversee the matter in its entirety when I ask for her direct contact information she refused to provide her direct information only after I advised her that I would complain she then gave me her full information.

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 10-07-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Our compliant is that Wells Fargo forced us into a loan modification and then denied our application AND our appeal to the denial of the modification. 

XXXX XXXX, Executive Resolution Specialist began the audit process against our home mortgage account, during this time he instructed us not to make a mortgage payment during his process. At that time, XXXX stated that our mortgage was 5 months in the arrears, when we were not ; when we were in conference XXXX XXXX XXXX XXXX - yes we admitted that we were 2 full months delinquent yet we continue to refute that we were never 5 months delinquent since the modification in XXXX XXXX. NOW after listening to XXXX we ARE 5 months delinquent AND we were just DENIED a modification and DENIED a modification through APPEAL. 

Our family home means everything to us and we are willing to do everything humanly possible to live here for the next 30yrs. Wells Fargo representatives has caused us into this spiral of hopelessness due to their inefficient handling of our mortgage file and cash payments. 

By the time XXXX finished his audit Wells Fargo should 've have allowed us to make payments toward our loan once XXXX returned his decision. 
We know that the following payments had been made until XXXX instructed us NOT to make a payment and FORCED us into applying for a MODIFICATION after notification from Wells Fargo came in stating that we were being FORECLOSED - we even received mailings from a Wells Fargo appointed Law Office : XXXX/XXXX/XXXX {$1400.00}, ORIGINAL MODIFICATION BEGAN XXXX no payment due - No payment was due this month XXXX/XXXX/XXXX {$2800.00}, XXXX/XXXX/XXXX {$2800.00}, XXXX/XXXX/XXXX {$2800.00}, XXXX/XXXX/XXXX {$2800.00} ; XXXX/XXXX/XXXX {$5600.00} ; XXXX/XXXX/XXXX {$5600.00} ; XXXX/XXXX/XXXX {$2900.00} ; XXXX/XXXX/XXXX {$2800.00} Total payments we made to Wells Fargo by XXXX/XXXX/XXXX were {$29000.00} ; which is almost 2 months shy of a full yearly payment of {$33000.00}. 
On XXXX XXXX, we were 2 months delinquent in payment. In addition, Wells Fargo shut down our ability to make any further payments to the bank in XXXX ALSO Wells Fargo Executive Resolution Specialist, Customer Care and XXXX XXXX, XXXX XXXX instructed us NOT to make any more payments until he finished the audit and instructed us to SIMULTANEOUSLY fill out a request for a loan modification ; even though our actual arrears were totaled at {$4000.00}. 

Lastly, we are NOT interested in a deed-in-lieu, short sale or the foreclosure sale of home, collectively without any doubt want to live in our family home for the next 30 years or more.

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 12-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I recently received my credit report through the mail on XXXX/XXXX/XXXX. Upon opening up my credit report I was able to view what was reporting on my credit report. That which appeared to be false information reporting an inaccurate address and an account that had been re-added and I was not notified within 5 days of doing so. I previously reached out to experian and Dept/Navient once on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX. The account shows on XXXX XXXX XXXX that Dept/Navient was indeed removed and now it shows it has been placed back without any notification to me.

Company response to consumer: Closed with explanation