milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/22/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (MD).
Issue: Loan modification,collection,foreclosure

Complaint: My first application for a hardship modification to Ocwen was submitted XXXX of 2016. It was rejected by the end of XXXX 2016. The entire package was resubmitted in XXXX of 2016 with updated information. Again, I was rejected after a cursory review. The information forwarded to Ocwen indicated that I was struggling to maintain the property..that I am a XXXX year old woman who has very few years remaining in which I would have the ability to continue working. I remain troubled that in the foreseeable future I could face foreclosure.

Company response to consumer: Closed
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have contact all  XXXX  credit bureaus to update my date of birth. I have sent my drivers license and they are still showing the wrong date of birth.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am trying to get one of the collection account off my credit report because the item does n't belong to me. I disputed this account with the credit bureaus and they keep on saying that the item belongs to me. I disputed this account directly to the collection agency who are furnishing this information but they are sending letter back to me saying that the items belongs to me without any documentation to support this actually belongs 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 explanation
Consumer complaint received 08/30/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX " XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " XXXX XXXX '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Debt collection (Medical debt) with Phoenix Financial Services LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On the morning of  XXXX   XXXX ,  XXXX  I was alerted by   XXXX   that a negative credit item had been added to my report. I subsequently learned it had been added to the other credit bureaus, as well.     They are claiming I owe {$1000.00} from alleged  medical services  performed by the   XXXX    XXXX   XXXX   XXXX   XXXX  in  XXXX   XXXX   ( three  years ago ). When my wife spoke to them this morning, they claim they purchased the debt from a company called "  XXXX . '' I have never had any contact with either the physician group noted above or any company named  XXXX  about any debt. Seems like if this was a legitimate debt, it would have been placed for collection three years ago. Even if this were legitimate, I can not go back  three  years and determine what happened.     I called the billing company for the physician group listed today and they have another  XXXX   XXXX  in their records, but none with my date of birth or address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2016 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I hold Synchrony Bank fully responsible for this derogatory collections on my credit report. They failed to provide proof of this debt and failed to place a dispute on my credit report ( by means of a letter which was sent certified on XXXX/XXXX/16 ). This was for account # XXXX. On XXXX XXXX, 2016 I sent a letter regarding the claim and charge off on my account. I requested validation of this account ( by means of a second certified letter XXXX/XXXX/16 ) and none was given as well as they did not place a dispute by consumer on my credit report. Synchrony bank as not sent the appropriate verification by the FCRA section 609 ( A ) ( 1 ) ( A ). Then Synchrony Bank sent a letter stating on XXXX/XXXX/16 that the account was sold to XXXX XXXX XXXX XXXX XXXX. I would like this to be removed from my credit report or I will file a lawsuit. Thanks

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX is reporting this account as charged off in a chapter XXXX bankruptcy and the account as closed. This account was never included in my chapter XXXX and was paid on time on the outside of chapter XXXX. The account is open and being paid in a timely manner as agreed.

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 09-06-2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (WA).
Issue: Loan modification,collection,foreclosure

Complaint: Dear Consumer Financial Protection Bureau ; I had 15 months of unemployment from XXXX XXXX until late XXXX XXXX. During that time I had a period when my unemployment ran out. We contacted our mortgage lender Wells Fargo. They offered us a hardship and told us to pay {$25.00} a month ; when I got back to work, they said they would work with us to modify the loan. Late XXXX XXXX, I went back to work. When I started to receive paychecks, my wife tried to make a house payment. We were locked out. We could not make any payments. My wife contacted Wells Fargo. They said we had to wait for them to re-assess us. We were told to keep paying the {$25.00} a month until that assessment was completed. We did as they instructed us to do. Once the re-assessment was done, we were told to pay {$18000.00} or the house goes into foreclosure. We appealed and were denied. With this process, XXXX times we were required to fax in my pay stubs. 
I make {$42.00} per hour. If I only worked 40 hours a week, I would gross {$6700.00} in a month. Their calculation came back with my monthly gross being only {$3400.00}. They said I do n't have enough income. That 's not true, besides the fact that I have been working a lot of overtime. I do n't have {$18000.00}, but if they would take a reasonable sum, I would do it. 
They wo n't work with me. They have taken over a week to get correspondance to me that would help us apply for a loan with our credit union, and still can not tell me when to expect those necessary documents. We were not properly informed that at the end of the hardship, they would be foreclosing on our home. 
We are a family of XXXX. We have XXXX little boys ranging in ages XXXX to XXXX. XXXX of our sons is XXXX. We do n't want our sons to lose their home and leave their school. 
We just need Wells Fargo to work with us. We have about {$120000.00} of equity in our home. I 'd refinance out of this, but during the hardship I have marks against me that I 've missed payments and my credit has fallen to XXXX. My wife 's credit is better, but she does n't have any current income. 
I can pay extra on my house payments. I could give them a lump sum of {$5000.00}, as well. If doing the hardship they offered means automatic foreclosure, I think they should have made that clear. I want to pay on my mortgage and get caught back up, but they wo n't accept anything except the {$18000.00}. That 's a lot of money for someone who had been off work for so long. 
Sincerely, 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 07/28/2016 about Mortgage (Other mortgage) with CITIBANK, N.A. (TN).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage company has reported us as being behind in our payments. They refuse to speak with us regarding the situation. We asked for a listing of all our payments to them since XXXX. We received the listing and found no payments have been missed. We even had a payment of {$500.00} on XXXX/XXXX/XXXX which was a payment with additional specified to go toward principal. They initially did not apply our payment. We called them to ask where our XXXX was as it was drafted from our bank. They said because it was a balloon payment that we could not make early or extra payments on principal. My husband convinced them to apply it to our account. Now, they have reported to the credit bureaus that we have missed payments again. They have ruined our credit and we are not able to get a loan anywhere else to refinance with anyone else. We had refinanced with our primary mortgage company and paid them a subordination fee of {$200.00} which I see has been charge to and paid by us TWICE!!!! They, Citimortgage refuse to speak with us or resolve this issue. We are prepared to take legal action. Please advise.

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 11/25/2017 about Debt collection (I do not know) with USCB, INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Number XXXX XXXX repeatedly calls regarding a debit collection. To my knowledge I have no outstanding debt. Research into this number shows that it is scam.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The XXXX Department of Education discharged my student loans as a result of my total and permanent XXXX on XX/XX/XXXX. XXXX in turn discharged my student loans and reported this to all XXXX credit bureaus on XX/XX/XXXX. The XXXX Department of Education received notice from XXXX on XXXX that my loans were discharged. Nonetheless, and inexplicably, the XXXX Department of Education reported my loans not as discharged, paid in full, with XXXX balance, but rather reported them as in a balance status of {$100000.00} and {$95000.00} on XXXX XXXX XXXX. Now, each of the XXXX credit bureaus -- XXXX, Experian, and XXXX -- is incorrectly reporting that my loans are in balance status when they have been discharged by the XXXX Department of Education and XXXX for total and permanent XXXX and should show XXXX balance, paid in full, and closed. This represents deliberately false reporting to the credit bureaus and is discrimination against a XXXX person. These loans have been discharged for over 130 days. Please immediately resolve this and ensure that all parties and all credit bureaus show these loans as discharged, paid in full, and closed, with XXXX balance.

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 06-03-2015 about Mortgage (FHA mortgage) with Seterus, Inc. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage was transferred to XXXX then XXXX, and now Seterus inc after experiencing a financial hardshipp a few years ago ; since then our lives have been full of surprises, every time we turn around we finding out different problems. Our most recent was in XXXX XXXX XXXX I schedule a payment thru their web portal however we noticed that the funds had not been withdrawn from our bank account my husband, and my self have been in touch with the bank, XXXX XXXX, and of course this so call company. It is now XXXX XXXX and our issue has not been resolved. We are hopping that this is not an other trick to cause a late payment this way we are not going to be able to apply to remove the PMI that we have been paying since we bought our house back in XXXX. Due to the financial crisis the value of our home is low. And this is just the most recent problem back in XXXX I filled for bankruptcy however the mortgage was not included up to now I am still trying to make understand that this was not included in the bankruptcy. They keep asking me for a reaffirm letter from my lawyer I have discussed with my lawyer, and I was told that I do not need to reaffirm. During the time that the bankruptcy was in process they had increased our escrow, but we were never notified so every time we were making payments they did not post them and as result we end up having several miss payments because according to them the amount sent was not wright. In the mean time they never made a call to let us know. They also send someone to inspect the house and of course we were not aware, and there was a charge of {$15.00}, but because we did not know we did not added to our mortgage payment. I also changed my last name and I sent a written request to have this changes made. I do n't think any XXXX had the courtesy to look at my request. I have been reading many complaints about this company, and I can assure you that everyone is describing the horror they are living with this so call company. Please someone MUST have some compassion, and should try to help investigate the issues that many of us are going thru. I hope my complaint is not just XXXX more for the collection of this living hell situation, I also forgot to mention that when I requested to speak to a supervisor I was never transferred to no body. Please who ever is in charge to make sure that customers are treated with dignity, and respect needs to reenforce, and advocate for all of us and definitely take this crooks from continuing ruining peoples lives. We have already enough stress in our lives to worry about what is being done to our finances. I must also say that banks are so cruel to give your loan to people that do not know what their doing. Life is very strange on day your up the next day you maybe down. And when things like this happen is very frustrated. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Deposits and withdrawals

Complaint: Good afternoon, My name is XXXX XXXX. 

On XXXX XXXX My ex husband walked into a Wells Fargo branch in XXXX Texas and withdrew {$26000.00} from a joint bank account that only had {$760.00}. This withdrawal was authorized by the bank Manager XXXX XXXX. The account now has an outstanding balance of {$25000.00}. I currently work in XXXX and have spent 3 weeks trying to find out how this was possible. Two days later, my personal and separate bank account was frozen by the same manager that authorized the withdrawal. My attempts to contact XXXX XXXX XXXX have failed as I am transferred multiple times and informed she is on vacation or not available to take my calls. The actions of this banker made it impossible for me to pay bills, put gas in my car and buy food. My attempts to contact other wells fargo branch executives have been met with multiple phone transfers ending right where I started. I have spent 3 weeks playing this cat and mouse game and what seemed like a ray of hope when I sat with a Branch manager in XXXX, teling me the bank was wrong in doing so and that they would follow up with the " resolution department '', later ended in a phone call that once again told me I was responsible for making payments to this balance. I recently received a letter from Wells Fargo Overdraft Deposit Collections and Recovery Department informing me that the money in my frozen account has been used to off set the outstanding balance. When I called the phone number provided I was informed there was a note from XXXX XXXX XXXX stating it was ok to go ahead and off set the balance. To date I am yet to receive a return phone call from the Bank manager, who continues to practice as a banker in the wake of ruining lives. I am out of options and as a result of these transactions I can not afford an attorney to take a major corporation to court.

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 09-07-2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (WI).
Issue: Application, originator, mortgage broker

Complaint: To : consumer Financial Protection Bureau re : PHH re-finance mortage application fee XXXX/XXXX/XXXX To Whom it May Concern : Near the end of XXXX I telephoned my mortgage company, PHH Mortgage to investigate re-financing my home mortgage in order to reduce the interest rate and attempt to get my payments lowered. My employment scenario changed in XXXX and I have been struggling to meet the high mortgage. I have demonstrated reliability but was seeking help. 
After several lengthy telephone calls giving all the required information they then forwarded a lengthy application with very strict return date guidelines. 
The bottom line is that in the initial conversations, I was led to believe that my current salary would be part of the evaluation process. I was encouraged to include documents in the application that demonstrated my new contracts with more hours for this coming year/season. At no time was I told the only my last 2 years of tax returns would be used to evaluate the application final approval. 
In the end, after meeting all of their deadlines, and slow-downs, and requests for further documents, even adding my mother as a co-signer and gathering her documents, signatures, etcetera, my application was turned down. PHH wants to keep the application fee. 
I believe that I was purposely misled. Everything from long, wearing-you-down-style phone conversations ( in car salesman fashion ), to mis-representing what would be required, to extreme enthusiasm and nearly promising that the loan would be approved, to the extensive providing of documents, even repeats in comparison to the application items, the delaying of their response to those documents, and ultimately delaying a firm answer until their fee had gone through on my credit card. I had been willing to compromise at XXXX point, If they would agree to provide me with a complete copy of the house appraisal and return half of the application fee, I would have accepted. Currently, PHH sees no fault in their action and refuses to return the application fee, which frankly, I can not afford. 
I deem this to be under-handed business practice, unethical, unacceptable. My naivety about what would be required for a refinance, is admitted, but certainly, it is not a good enough reason to suffer such business practices. 
The fact is that they never told me in the initial calls that only my previous 2 years tax return income would be used. That would have saved many many hours, time, stress. 
I seek help in getting my application fee refunded. If there is any education and guidance you can give me in the matter, I would be grateful. 
Thanks you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: XXXX XXXX is report two accounts which is the same account. They are reporting a ghost account which has destroyed my credit score. I have contacted Experian, with no results.

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 07/21/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I bought certified pre-owned car at a dealer. They recommended Santander Consumer USA bank to get loan from. Interest rate was very high, that 's why I decided to pay more than specified in documents. I have consulted with bank itself that I will not have any issues or fees or anything paying more than specified. For the last 4 month bank has messed with : 1. My last name. I was not able to pay. They did n't respond & fix until I escalated an issue. 2. I still have incorrect last name in web app, as they ca n't do anything with it. 3. On XXXX I was not allowed to pay using ACH, only certified funds, because " You have paid too much ''. Yes I want to pay my debt in 1Y. I told that from the beginning. 4. Payment on XX/XX/XXXX was not partially applied towards principal even though I asked that ( " please use {$220.00} as regular payment for XXXX and {$1200.00} apply towards principal '' ). 5. I asked SECOND time in XXXX to do that the same manner. 6. In the middle of XXXX I found that I 'm PAST DUE. Even though I paid XXXX in XXXX, My regular payment is {$220.00} per month. My due day is XXXX of each month. My first payment was scheduled to be on XX/XX/XXXX. I keep track of all payments in XXXX file. Specifically to track this kind of fraud from banks. So these are my payments ( I have not included transaction numbers, but I have it ) : Date Amount Transaction No 1.XX/XX/XXXX {$1000.00} XXXX 2. XX/XX/XXXX {$1000.00} XXXX 3. XX/XX/XXXX {$1000.00} XXXX 4. XX/XX/XXXX {$1000.00} XXXX 5. XX/XX/XXXX {$500.00}? ( did n't write ) 6. XX/XX/XXXX {$1500.00} XXXX 7. XX/XX/XXXX {$1200.00} XXXX I always ask to use money following way : what is exceeding regular payment should be applied towards principal. The last payment made on XX/XX/XXXX was not applied at all towards principal. So I wrote SECOND time in XXXX. First, I 'm 99 % sure they EITHER did not apply {$220.00} for the last payment of {$1500.00} ( the one I asked to be even though I requested that ) OR possibly they applied it TWICE towards the same month XXXX. The last 1 % - I made a mistake and asked something incorrectly. For that last 1 % - bank has not notified me at all that this will happen. In addition to that, they said I 'm 19 days past due. Even though I paid on XX/XX/XXXX, which is 12 days past due! This is surreal and unacceptable. This all looks like fraud.

Company response to consumer: Closed with explanation