milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-12-2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (OR).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen the 3rd party servicer is forcing me into a undue/unnecessary foreclosure. 
We have complied with all the time lines Ocwen has requested and required. Ocwen has failed to request the BPO appraisal from their vendor management company. I was advised by Ocwen 's escalation management XXXX XXXX | Escalation Manager - Liquidations Ocwen Loan Servicing, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXXXXXX XXXX www.ocwen.com. See email ( Exhibit A ) from XXXX stating Ocwen would need to obtain the value of the home before they would review the XXXX cash offers we currently have in hand. During this time I had to request a foreclosure sale date, which was granted an moved to XXXX/XXXX/16. During which time Ocwen had problems on their end ordering the BPO/appraisal. I contacted the first BPO agent Ocwen emailed to contact XXXX ( see email Exhibit B ) and XXXX told me she was on vacation for 2 weeks and asked me to contact Ocwen and have them reassign the file to another BPO Agent. I emailed and informed XXXX, then was give another BPO agent to contact See email Exhibit C, I contacted XXXX XXXX, I called him and asked if he can rush schedule the BPO, the BPO took place XXXX/XXXX/16, and I contacted XXXX XXXX today XXXX/XXXX/16 and he confirmed his BPO report has been submitted to the XXXX XXXX XXXX XXXX XXXX ) and that Ocwen should the report by now. I called Ocwen on XXXX/XXXX/16 and the rep indicated she does n't have the XXXX. I 've sent the XXXX with XXXX of the offers, even though Ocwen has no idea what they are basing the value of home since, per XXXX XXXX XXXX XXXX PH XXXX - told me that he will request the BPO valuation today and he should have it within in XXXX7 business day to receive. I 've asked because Ocwen 's process is taking so extremely long, why are they are not willing to postpone the foreclosure sale date of XXXX/XXXX/16 to allow time to complete the short sale. We have XXXX cash offers and we can perform and close this XXXX as a short sale to avoid a foreclosure

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (KS).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I took advantage of this agencies advise, and sent the attached letter to Navient, snail mail, this morning, along with copies of my paystubs etc. At the age of XXXX, I was pretty lost with no goals or direction as to what I would do with my life. Then someone suggested trade school. I have always been very creative/artistic and it sounded like quite the solution to my dilemma. I attended the " Missouri XXXX XXXX XXXX '' for their 6 month XXXX program. Which was paid for with a private student loan, recommended by the school, and co-signed by my parents who were anxious for me to find my way in life. We were all ( not the school ) extremely nave as to the predatory nature of these loans, and applied and signed off in good faith, thinking this was a legitimate student loan, with all of the benefits etc. Obviously, that is not the case, and after paying on this thing for 8 years, have not made a dent in the principal, and although circumstances change through the years, there is absolutely no flexibility with these institutions, no understanding, and great difficulty in even being allowed to speak to anyone with real information, or the power to assist in any way. I realize that unfortunately, this is a legal enterprise, but, I wanted to join the many voices begging for assistance, and crying out for help to get out from under this place.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
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  have asked Experian to investigate my dispute through physical verification and provide me a complete file disclosure pursuant to FCRA, Section 609 ( a ) ( A ). I have also asked them to delete disputed items if they are unable to provide me a complete file disclosure. My first reques t was sent out on   XXXX   XXXX   XXXX    , of which they received my letter on   XXXX   XXXX   XXXX    . My second request was sent out on   XXXX   XXXX   XXXX    , of which they received my letter on   XXXX   XXXX   XXXX    . As of today, I have not received any disclosure that relates to the disputed items on my credit report. This is a violation of the federal law where Experian has denied my right as stated on FCRA. I ask you to step in and demand Experian to follow the law and provide me a complete file disclosure for the disputed accounts on my credit report.

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 01/20/2017 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian provided wrong information on my credit report yet again. I never had any collections and/or late payments on any of my accounts. According to most recent Experian report that was provided by a credit reporting company after last dispute with XXXX was initiated I have late payments on the accounts with XXXX and Child support enforcement. I do n't have and never had any late payments on any of my accounts, nor have the knowledge of them. 
I respectfully request your assistance in removing incorrect information from my account and updating my credit score.

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 02-02-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: There are XXXX fraudulent accounts on my credit report and XXXX fraudulent credit application inquiries. The fraudulent accounts are XXXX, XXXX and XXXX. The fraudulent inquiries are XXXX XXXX and XXXX. I filed a police report. I sent a letter with my documents and police report to Transunion asking them to remove the fraudulent items. Transunion has taken longer than 30 days, and has not removed any of these items. Please regulate Transunion 's handling of this matter and enforce them to send me the detailed results of their investigation within a proper time frame according to our laws.

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 09/22/2016 about Credit card () with CITIBANK, N.A. (AR).
Issue: Other

Complaint: CITI bank issued a refund check for the amount of {$3000.00} on XXXX/XXXX/2016. I tried to deposit the check into my XXXX checking account. But, XXXX never released the funds to me saying that CITI placed a hold on the issued check. As a result XXXX suspended my checking account. When I called the CITI bank they issued me a replacement check for the same amount and I deposited into my XXXX XXXX XXXX checking account and it 's cleared. But, CITI is charging the first check of {$3000.00} on my credit card account ( but I never received these funds ). It 's impacting my credit score and each month CITI is generating statement with 23 % APR on the {$3000.00}. It 's been more than 2 months but the issue was not resolved. I contacted CITI and XXXX several times, but they never resolved this issue.Please help me to resolve this issue.

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 04/21/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: They are allowing XXXX XXXX to duplicate an account that was originally XXXX. They are also allowing them to re-age it.

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 01/16/2018 about Mortgage (Other type of mortgage) with U.S. BANCORP (TX).
Issue: Trouble during payment process

Complaint: XX/XX/XXXX our home was damaged during the Harvey Hurricane. Insurance paid  {$160000.00} for repairs. I sent the endorsed check to the loss draft department at US Bank. I have struggled to get money from them from day one. The first check of {$25000.00} took 30 days for them to return to me after they received the check. This stalling to pay me the money to rebuild my house has delayed me by at least two months. Every time I have called I have been apologized to and told " I am sorry XXXX XXXX but that employee told you something incorrect '' and the process starts all over again. I passed the 95 % completion on XX/XX/XXXX and was told my money would be on the way. Nine days later they are telling me they will not release the funds because the cabinets were no painted and two tiles were missing from the bathroom. 

I truly believe US BAnk is holding as much money as they can for the daily interest. My little {$160000.00} means nothing. When you add up the 300,000 homes damaged in the area, the daily interest on that would be huge. I have not been treated well by US Bank. What more do I have to do to see this complaint through to the end? 

The only reason I got two payments behind is because US Bank called us. They said " WE would like to help and offering a 3 months house notes differed to the end of the loan. At the end of 90 days they called and said we owed three house payments. How would that help us. We used what should have been house notes for repairs. How could setting us up with a changed story at the end of 90 days help anyone. I have never even been late on my house notes in 15 years. Now they are calling and threatening us by saying they " Could '' send us to foreclosure. 

So to recap. US Bank called and said we would not have a payment for 90 days, those payments would deffer to the end of the note. We used the mortgage money for repairs, they called at the end of 90 days and said they want all three payments. We are a payment behind. Behind because we used all of our money to get the house fixed because nUS Bamk is so slow getting us the money. Now they are holding the rest of the money and stalling our final payment of over {$90000.00}.

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 03-07-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I settled with XXXX on several accounts last year and the accounts should show as XXXX balance, paid or settled. They are showing as open collections still and hurting my credit scores.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-01-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have a student loan that was taken over by XXXX. With XXXX we agreed upon a 12 month hardship agreement that I would only pay XXXX monthly. My loan was taken over by Navient, who will not honor this agreement. According to XXXX Navient is supposed to honor any agreements previously made with XXXX and their clients. Navient is claiming that they do not have the appropriate information to honor my previous agreement, however XXXX that they have sent all of the information over. Navient is threatening to take legal action if I do not make settlement. Based on my current income, I am not able to make the large settlement payment that Navient is offering, and they will not lower the settlement option.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A credit card was taken out under my name when I was XXXX. I have disputed this and they continue to send me bills. They agency Portfolio recovery associates did not verify they were speaking to the correct person they just started giving me all the info. They were also very rude I was hung up on twice because they did n't know how to answer my questions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/20/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage with XXXX was purchased by Green Tree in approximately XX/XX/XXXX. We had loan modification completed with Green Tree during this time. We have made payments on time to Green Tree since then. Green Tree is now DiTech. We made a late payment for XX/XX/XXXX. DiTech is in violation of FDCP Act, Section 806, # 5 ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. ) ; Section 805, # 2 and 3 ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. ; and has physically delivered a notice to call them on our property not through U.S. mail or any other delivery service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Consumer Loan (Vehicle loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (GA).
Issue: Taking out the loan or lease

Complaint: My father filed bankruptcy XX/XX/XXXX. Somehow, I was included from a Auto Loan. The vehicle was traded in by my Dad for a vehicle that was claimed on his bankruptcy. I was unaware that I was on the new auto loan through USAA. I have sent dispute request to remove this off of my credit. However, my father has completed his bankruptcy and received his certificate. Nevertheless, I feel that this is part of the reason USAA has closed my account XX/XX/XXXX and denied me an auto loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Using a debit or ATM card

Complaint: I filed for fraudulent activity on my account ending in XXXX for XXXX. Bank of america only submitted one as fraudulent then went on to reverse the transaction without any explanation or followup. They credited me XXXX - i didnt file a claim for XXXX. I filed a claim for XXXX individual withdrawals for XXXX each. My claim on account was reversed and now is overdrawn by almost XXXX dollars and being charged fees everyday. Not one person has reached out to me and when I tried to contact XXXX XXXX again, left multiple voicemails without a single call back

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 03/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KS).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I am not sure anything has happened but if possible I would like someone to review my loan and my payments to see that Navient has been applying my payments correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NJ).
Issue: Billing disputes

Complaint: I had a balance of {$2700.00} with american Express. It was paid in full on the due date.. Now I received a bill of $ XXXX.for interest. I called them and they contend this is a legitimate charge. because I had made minimum payments in the past. If the balance is paid there is no interest!!! I have paid other cards off in a similar manner and not received a interest charge. I would like to see AMX fined for this and my charge waived. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CT).
Issue: Loan servicing, payments, escrow account

Complaint: This is being submitted because of an ongoing issue with Ditech Financial LLC. They have mishandled our account and specifically our mortgage payoff, and have placed negative incidents on our credit report. We paid them in full on XXXX/XXXX/2016 as prescribed by them and yet I am still having to deal with them. 
re : [ complaint # XXXX ] re : [ complaint # XXXX ] They have now acknowledged our payoff, and returned our escrow. Unfortunately the amount they sent us was wrong. On the payoff quote generated by them clearly shows and escrow balance of {$2500.00}, but they sent us a check for {$2300.00}. Did they think we would n't notice {$190.00} missing? Well ... we did, and we want the rest of our money. Since we did n't make anymore payments to escrow and they did n't disburse any money, the check should have been for {$2500.00}. It 's been almost 2 months and I am getting tired of having to deal with them anymore. When will they get it right? 

And now all XXXX major credit agencies are showing the negative credit information. We pay all our bills on time. The only negative mark in all our credit history ( 30 years ) is from them, them who caused all this by their incompetent handling of our account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Debt collection (Credit card debt) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Citizens Bank - Line of credit {$1500.00} acct was sent to collections this debt isn't mine it belongs to XXXX XXXX and I have disputed this before yet it is still on my report

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (UT).
Issue: Account opening, closing, or management

Complaint: I received an offer from Citi Bank. The offer stated that if I opened a new Citi Gold Checking account and used their bill pay function on the account for two consecutive months then I would receive a promotional offer. The promotional offer was for XXXX thank you points. I signed up for the new account and I met all of the requirements to get the bonus offer. I also sent them XXXX direct messages on their website asking them if I had done everything I needed to do to get the offer. They assured me XXXX times that I had met all the requirements and that I would be receiving the XXXX thank you points within 90 days. I waited 90 days and I never received the points. I just contacted them again and now they are saying they are not going to give me the XXXX thank you points like they promised they would.

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 12/27/2017 about Debt collection (I do not know) with Experian Information Solutions Inc. (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a call from XXXX claiming they were from Experian. They asked for me only by XXXX XXXX and did n't know my full name. They stated that I was past due for two dollar amounts, I believe one was for XXXX ( which is possible, I did n't stay on with her long enough to get more information ) She said that she would be happy to take payment for these two past due amounts using my bank account or credit card information. I then stated that I had already contacted them and hung up. I tried to call back and there was no identification of the company on the recording.

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 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ad Astra Recovery Services Inc (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I received a payday loan from XXXX XXXX XXXX and incorrect amounts were with drawn from my checking account on several occasions. After speaking with XXXX XXXX XXXX it was noted that I applied for 2 loans which I had not. They informed me that it would be corrected and I did not have anything to worry about. My original the account was paid in full and should have never been forwarded to a collection agency. I informed AD Astra via certified mail and they still are trying to collect and this account remains on my credit report. The 2nd account must be and err or fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Credit card () with CITIBANK, N.A. (WI).
Issue: Credit card protection / Debt protection

Complaint: After 6 months of billing with the Best Buy Citi Bank XXXX, I noticed the " EHN DEBT PROT '' charge on my statement. 

I was charged {$150.00} in 2016, and XXXX this past month ( See Attachments ). 

This is deceptive marketing/enrollment purely engineered to hurt those that set up auto payments to pay off promotional balances based off total charge divided by the term of the promotion. I now have to increase my payment. I WANT A REFUND! 

I 'm disappointing in Best Buy for allowing this, I did see there has been a previous lawsuit and settlement. Clearly this behavior is still going on!

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 08-01-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Diversified Consultants are reporting on a XXXX XXXX debt on my collection report. A different agency by the name of XXXX XXXX are now reporting the same debt as well. This debt is for XXXX XXXX cable. I 've spoken with a rep with XXXX XXXX the first week of XXXX and paid {$87.00} owed for services, the remaining balane of {$170.00} I advised her I did not owe because I had already returned the service equipment. I am no longer liable for the debt with XXXX XXXX or Diversified Consultants, and under no circumstances should two collection agencies be reporting on the same debt.

Company response to consumer: Closed with non-monetary relief