milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/28/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I 'm filing a complaint regarding a TILA REQUEST and OTHER REGULATION REQUEST UNDER Regulation Z I sent by certified mail and fax.ies My letter stated particular questions that they are required to respond As of today, I have not received a response. The only papers I received were regarding pre-foreclosure actions. Also while my mortgage was being paid through HOMESAFE of Georgia ( Federal government program to pay 24 months of payments for homeowners who are underemployed ) While accepting federal funds, Ocwen never mention that my loan should be reviewed for a principal reduction based upon the CFPB Consent Order. In particular my loan was effected because Litton Loan Servicing LP. Serviced my loan.. Since Ocwen is acting debt collector, and they have all my financial information from receiving government funds for 24 months of payments, I need tp obtain the TILA and regulation Z for a settlement of the loan. 
I 'm attaching the Consent Order, and the Certified Letter sent to Ocwen

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Per new credit law on XXXX XXXX, 2017 ; all public records that are missing or have invalid information would be removed and mine has not yet. Chapter XXXX Bankruptcy  is still reporting on Transunion inaccurately.

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 05/31/2015 about Mortgage (VA mortgage) with Pacific Union Financial, LLC (MN).
Issue: Loan servicing, payments, escrow account

Complaint: my name is XXXX XXXX i own the house at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, my mortage company pacific union out of XXXX.well back in XXXX 2014 i received a letter saying that my escow was rasied XXXX. to XXXX a year for hazard insurance but i called my akin insurance and they said that it XXXX a year but pac union is been charging me for XXXX a year i wrote a letter and spoke with pac. union wont chage it and refuse to refund or correct amt.as my pay ment s monthly has gone from XXXX.month to XXXX a month thats XXXX more a year collected my number is XXXX XXXX central time my mortage number isXXXX..i want to take legel action against them for not honest.and over charging me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with Experian Information Solutions Inc. (NC).
Issue: Excessive fees

Complaint: We have tried to contact Experian numerous times to cancel. They claim that you can cancel at any time and when you call in the wait time is 2-4 hours. In the meantime, we keep getting charged XXXX for both me and my wife! Help us please!

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 05-02-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: This issue was first resolved XX/XX/XXXX with Green Tree Servicing LLC and Consumer financial Protection Bureau case number: XXXX, whereas green tree acknowledged my payments.
What happen in the process: 
On XX/XX/XXXX, I talk with Representative XXXX with Green tree mortgage to get and explanation why every time I make a payment it doesn't show in my account activity for payments receive and principal reduction.  She informed me Green tree had placed my account into a loan modification.  As I explain to her I did not request or sign any documents requesting a loan modification.  She requested me to do two things:
1. Write a letter stating I do not want a loan modification, and I will send the balance of $XXXX needed to bring the loan current on Friday XX/XX/XXXX.  I fax the request on XX/XX/XXXX.  Green tree sent me a letter acknowledging my fax.
2. Mail funds on Friday XX/XX/XXXX as agreed to bring the loan current. On XX/XX/XXXX I mail check number XXXX in the amount of $XXXX to Green Tree.  I've confirm with my bank the funds was processed on XX/XX/XXXX.
Today XX/XX/XXXX
After Green Tree's letter of acknowledgement about resolving this issue Green Tree keep putting me off for the reason the monthly statements did not reflect I was current on payments.  Later Green tree moved my account to Ditech now this issue has not changed and I keep getting calls stating I'm late on payments and this month they reported it on my credit report.  I have details of all my payments to green tree and Ditech showing I have not missed a payment after I brought the payments current XX/XX/XXXX.  
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Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Money transfers (International money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Other transaction issues

Complaint: I made a wire transfer payment for services to a business in XXXX. Request was made to not to convert and make the payment in XXXX $ only. However, the business in XXXX received payment in local currency. When asked, BofA Wire transfer department confirm that my instructions are to not to convert the currency ; intermediate bank may have converted and asked me to inform the business in XXXX not to touch the money - so that they will help to get the money back and then I can make a XXXX payment again. They money was then taken back from the business but now BofA says they are not sure where the money is and that the intermediate bank is not responding. It has been over a month since the original wire transfer request was initiated and I am concerned a ). for my money and b ). that the business in XXXX needs the payment they may have other penalties and tax implications on their side. c ). I am not getting any answers from BofA, and moreover lastly, d ). now my local BofA rep says I will be charged fees for conversions and back as well as the applicable conversion rates for conversion, even though the banks are at fault. I need help to get ( i ) to recover all my money and ( XXXX ) to find the reasons who is at fault and ( XXXX ) that others do not have to go through this kind of problems. 
Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This should never been on my credit, this was paid in full and equipment was returned to the XXXX, CA XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/23/2015 about Consumer Loan (Installment loan) with Prosper Marketplace, Inc. (GA).
Issue: Managing the loan or lease

Complaint: I have contacted Prosper on several occasions regarding the amount of time it takes for mailed payments to be posted to my account. 

Because of a recent delay, I encountered fees totaling {$40.00}. After filing a complaint with the XXXX coupled with information from my financial institution XXXX XXXX XXXX, Prosper agreed to remove the fees. 

Unfortunately, I have had a difficult time getting Prosper to follow through with their commitment. I have contacted customer service via phone on several occasions as well as forwarded multiple emails to XXXXXXXXXXXX to no avail. 

Considering interest accrues on my account daily, it is critical that Prosper processes payments promptly as well as address consumer complaints timely.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-04-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Delinquent account

Complaint: I was recently charged a {$98.00} fee by Bloomingdales for an original purchase of {$27.00} for shaving oil, due to the fact that I never received a bill. I moved XX/XX/XXXX, and although I filed a change of address with the post office, I never received a bill from Bloomingdales. However they charged me XXXX late fees even though I never received a phone call or bill. Today I checked my credit score and this bill was added to my credit as late payment. I have proof that I changed address and during this time I did receive Macy 's information, although nothing from Bloomingdales. I asked Bloomingdales to send me proof that they sent bills but have yet to receive any from Bloomingdales. The only other purchase I made with the Bloomingdales card was a leather jacket that cost over {$800.00}, and this balance was paid off with XXXX payments. Most interesting was that Bloomingdales did not even have the address that I moved from, so I find it hard to believe that they mailed me any invoices. 
I am very angry that this is now a negative mark on my credit for a small bill of only {$27.00}. I am not that silly to ruin my credit for such a small amount and would like Bloomingdales to be punished for their shady tactics.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Protection Association, L.P. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I keep getting negative collections on my XXXX report anytime I try to go finance a car. It seems like it is almost deliberate and most of the accounts are not verified. All information related to the companies were not available or identified and are old.

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 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I contacted Experian on XXXX XXXX, XXXX @ XXXX informing them of the fraudulent inquiries on my credit report. I was transferred around until I spoke with a supervisor whom I explained to that my identity had been stolen and I sent them a copy of my police report months ago to no avail. The supervisor located the documents and proceeded to transfer me to the fraud dept whom he stated would help me with the removals of the fraudulent inquiries. In turn I was hung up on after being on the line for XXXX minutes and did n't get to speak with anyone. All of these inquiries add a hardship and my rights were violated by Experian. I asked that the CFPB help me stop Experian from victimizing 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 07/19/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (OH).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: On XXXX XXXX/17 I made what I thought was my final payment on my Best Buy Credit Card ( Citibank issuer ) promotional deferred interest purchase. On XXXX XXXX I received a call from Citibank notifying me of a past due account. In reviewing my account documents, I discovered that {$27.00} of my {$120.00} was credited to a purchase during that billing cycle leaving my XXXX/XXXX/17 payment of {$120.00} {$27.00} short of paying off the promotional balance and yielding punitive interest charges of {$270.00}. I had my payments set on auto deduct to pay in full by the end of the 12 month deferred interest period. Each payment was made in an amount sufficient to pay the balance in full but I had forgotten about the purchase I made during my billing cycle ended X/26/17 from which {$27.00} was diverted from the promotional balance. I was also late for my XXXX statement thinking that I had paid the balance in full. Although several representatives I spoke with acknowledged the error, one of whom said " yeah, that {$27.00} should have been credited to the deferred balance '' the final disposition was that they would waive my late fee of {$27.00} plus interest of {$7.00} I was responsible for deferred interest of {$270.00}. Apparently they only allow 20 days to correct errors on deferred interest charges according to the Escalation department. My offer was to pay the balance of my forgotten purchase, late charge, and interest since it was my fault that I missed the error and was, in fact, past due for the payment I missed. That offer was declined so, to bring an immediate end, I paid {$330.00}, which included {$270.00} in deferred interest, in spite of timely payments in an amount nearly 5x the required minimum for each month and that left my {$27.00} short of a final payment amount. I also told the company I received numerous auto-dialer calls over the past 2 weeks from Citi that left no message or when I answered no one ever came to the line. Had those calls reached me, I would have been within the 20 " grace period. '' I believe that Citi 's handling of this situation is extremely inequitable and that it warrants this report to the CFPB for review and documentation of Citi 's 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 monetary relief
Consumer complaint received 04-12-2017 about Debt collection (I do not know) with CAINE & WEINER COMPANY, INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debt was owed from my previous employer for which I worked as XXXX employee. They somehow personally made me personally responsible and damaged my credit. We have written them via certified mail and they refuse to answer proof of debt. Never notified me of a debt owed and called family members, harassed me, threaten to sue all for a debt that is not mine and ruined my perfect credit for which I lost a home refinance and credit card due to my lowered score.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have attempted several times to get the tax lien removed however experian ignored all my attempts. I have applied with XXXX and got an approval for withdrawal which I sent to county of XXXX XXXX who confirmed that this is NO longer a public record and they are NOT reporting this to the bureaus which I have submitted to experian with hopes that they will remove this inaccurate information from my credit report. However, all my requests were ignored and nothing was done to correct this

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
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 had a total of ( 3 ) three student loans. According to my credit reports they are showing ( 6 ) six student loans, which makes it look as if I owe way more than I do and also shows late payments with all of them. All ( 6 ) six of them are showing different data with each credit bureau. I have disputed the loans for incomplete/inaccurate data. The credit bureaus just keep coming back as updated information. Nothing changing, Still showing ( 6 ) six student loan accounts when there were only ( 3 ) three. There are three ( 3 ) listed with Dept of Ed/Nelnet and, three ( 3 ) listed with US Department of Education. The two different named sets of companys are both reporting the same three ( 3 ) accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Settlement process and costs

Complaint: I filed a complaint # XXXX on XXXX/XXXX/2016 I got a reply from the back today they stated they called me on XXXX/XXXX/2016 yes Chase did call me only to request I go to the branch to prove who I am and after I did that they maybe I could get the insurance money. I did that on the XXXX I did not hear from Chase again until XXXX/XXXX/16 at that time I was told a decision on if I could get the funds I needed to repair my home would be made on XXXX and someone would be calling me. As of XXXX on XXXX no one from Chase has called. In the reply it states they are reviewing it and will made a decision within 60 days. I have a forbearance on the loan that ends on XXXX XXXX I need to start repairs now so I can get back in my home and not paying rent and be able to get caught up on the loan. Also the damage is water damage and with nothing being done it is causing mold to grow and now the mold is going to have to be removed. Chase is doing everything they can to prevent me from repairing my home is it their plan to delay this and delay this so they can foreclose on my home. What they are doing is so unfair and not right at all! I have done everything Chase as asked and I did it within an hour of when they requested. I call Chase and email Chase on a daily basis and Chase goes weeks without contacting me when Chase says they will do something it is not done. I need the money to repair my home what they are doing is wrong!

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: The school attended was University XXXX XXXX XXXX campus ( online ) and I was not given the option to obtain a federal loan. The University XXXX XXXX XXXX campus only offered XXXX XXXX ( Navient ) loans and I was under the belief that in order to obtain a XXXX  degree that I would have to take out a loan from XXXX XXXX ( Navient ). There was no other option outside of not going to school. I am questioning whether XXXX XXXX ( Navient ) and University XXXX XXXX have a business relationship in which students are strong armed into applying for a XXXX XXXX loan ( Navient ) because there are no other options. 

My second issue is the high interest rate that XXXX XXXX charges ; my payments are directed to my interest and not my balance so at that rate I will never remotely pay off my student loans. I will also question XXXX XXXX ( Navient ) payment policy. I have contacted Navient in order to try to work out a settlement or a way to relieve the burden and they are unwilling to assist me in anyway. That is why I am not filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: On XX/XX/XXXX, my wife and I sent a request to Equifax, asking them to investigate errors on our credit report. My wife received a timely response to the request, but Equifax has not sent me the results of my investigations. It has been 45 days already, and I have yet to receive any word from Equifax regarding my investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had a verbal agreement with XXXX XXXX XXXX in which they promise me that my supposed balance would be reduced from {$930.00} to {$760.00} if I start with my payments. It happened about XXXX weeks ago. They also told me that after my XXXX payment, I would receive a notification with the new balance. In addition, during those conversations I told them that I would n't give any information about my bank account because I do n't know who they are, so I made my XXXX payment on XXXX XXXX, 2015 using their website in which I opened an account. 
After that point, I never receive the new statement, and I could n't access to my online account, but even worse is that they are saying today that there is n't any settlement, and they are forcing me to pay the whole amount of money again after I started with my XXXX payment which was of {$200.00}. 
If it is a serious company, there should be all of our conversations recorded, and there would be easy to identify who is saying the truth, and who is dishonest. 
To sum up, my initial balance with the original lender was about {$600.00}. Then, after I could n't pay it for a few months, it skyrocket to {$930.00}. Afterward, I agreed to start my payment if the account would be reduced a little bit, and it was reduced to {$760.00}, and later, I paid {$200.00}, so today the balance should be {$560.00}. However, they did not keep their word, and the balance is {$730.00}.

Company response to consumer: Closed with explanation