milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/16/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (OR).
Issue: Loan modification,collection,foreclosure

Complaint: I tried for 46 months to get a loan modification with XXXX and Ocwen. I had a sincere desire to get something done, but at every turn it seemed like the lenders did n't really want to help me. I got excuses, from " you did n't send in all the paperwork ( which I did multiple times ), to we lost it, to you did n't get it in on time so you 've got to start over. '' I never would have been that far behind on my loan had the banks given me what I deserved when I first asked for it. My loan originated with XXXX and was a ridiculous 9 % interest only loan, which I have been told is considered PREDATORY. After 46 months and no sign of help from Ocwen I finally had to hire a law firm to try to get me a deal and make sure Ocwen did n't just sell the house out from under me. The law firm did get me a modification, but it does n't take me out of hardship. While the lender did lower my mortgage payment, the payment is still 52 % of my gross monthly income. According to the HAMP guidelines, I was under the impression that my lender was suppose to lower my mortgage payment to between 31 % and 38 % of my income, but they did n't do that. To top it off, they have thrown a $ XXXX baloon payment onto the back of the loan. They sent an appraiser over to appraise the value of the house and he did n't even come inside. They are trying to say that my house is worth much more than it is. While there is a mansion with all the best materials that sold down the street for $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ) recently, my house is only similar to that house in square footage. Another house in the neighborhood which is a lot more comparable to mine XXXX XXXX XXXX XXXX XXXX just sold for $ XXXX. According to the lender I owe them over $ 740K, but they did not reduce my balance because they are trying to say my house is worth much more than it is. While I am grateful to get anything after 4 years of going through XXXX with my lender, I have XXXX kids and simply can not afford a {$3100.00} payment on {$6000.00} in gross income. My hope is that you will investigate this matter and at the very least force my lender into giving me a fair deal so that me and my family do n't have to move. I believe they could have lowered my payment further if they were n't trying to deceptively and artificially raise the value of my home. I also believe the $ XXXX baloon payment is obnoxious and unethical. Is n't the point of these programs to give the homeowner a fair shake so they do n't have to ask for assistance again in the future? 38 % of my gross monthly income is $ XXXX/month, so how can the lender justify a {$3100.00} payment? I want to keep my home, but I also need to feed my family and pay for bills. Please help me get a fair shake with Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Debt collection (Credit card debt) with TRANSWORLD SYSTEMS INC (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XX/XX/2017-I was called early in the morning to ask if I wanted to pay my balance to XXXX XXXX XXXX. I told the representative that I was working with the XXXX XXXX company directly and she proceeded to talk loudly and tell me no ma'am that I absolutely cannot do that and I am in collections so I will not be allowed to go through the original creditor to pay my debts. I calmly told her I actually have went through them(original creditor) set up a payment system with them and She continued to argue by which I just wished her a good day and hung up on her. I will not be talked to like a child and called a liar pretty much. It is my money and I will pay my debts to the original creditor not be told I cannot do so. On top of this I am being charged an outrageous amount for a fee through TSI. Also, they have talked to me this way before when I have spoken with them rudely and demanding payment.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: XXXX, XXXX and Experian are all reporting incorrect items on my credit reportand to date have ignored our attempts at getting these items removed, corrected and changed?! We certainly know our valid correct legal names, where we have ever lived in forty-three years of marriage and where we have never lived or had a postal box?! Alsopublic records is reporting incorrect information on a supposed judgment by XXXXfiled in XX/XX/XXXX and no later where we have a letter from XXXX and the FDICstating very clearly that NO SUITS were ever filed. The XXXX accounts in question were charged off in XX/XX/XXXX. We think these judgments should be dropping off as we are in the seven year time frame now and that legally they should never have been filed if in fact they were as we were in a debt settlement program with XXXX XXXX XXXX in XXXX, AZ from XX/XX/XXXX and the XXXX accounts were in the program which XXXX agreed to?!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with MRS BPO, LLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I ended this account XXXX, l made sure account was up to date. Did not want problems getting a new account XXXX. Anyway this is XXXX there is the statute of limitations. 4 years

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/29/2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (TX).
Issue: Taking out the loan or lease

Complaint: My husband went to a local branch and paid off my car loan. Knowing he was not on the note and the branch woman could not release my account status information ( payoff quote ), he rounded up and overpaid ( what I showed on my account to be the remaining amount ) by {$3.00}. We received the paid-in-full letter dated XXXX XXXX, 2015 via mail stating the title released and enclosed. On XXXX XXXX, 2015, I called requesting the payoff overage. The man I spoke with said he could not find it, nor my final payoff statement. I asked him to get manager assistance and he stated the manager could not find it. The man said he could send a payment history, I never received this document ( I did note that the CR verified my current address ) My husband called again on XXXX XXXX, 2015 to simply request a payment history ( or payoff quote, I can not remember ) sent to the address on the account. I then called sometime in XXXX? ( I did not write down the date I called ) and spoke with XXXX who then transferred me to XXXX. # XXXX XXXX was very defensive during the call regarding this history of mine and my husbands previous conversations with the company. # XXXX XXXX stated there was no overpayment ; however, how could it be that my husband rounded up and that overpayment amount just so happened to be the EXACT per diem interest rate? The final principal was {$1800.00} ; my husband paid {$1800.00} ; an overpayment of {$3.00}? # XXXX XXXX advised she would send a payment history within the next 7-10 business days. I have never received this document. Please understand that I did affirm XXXX at the end of our call, because I believe in affirmations and I know CS is not always easy ; however the tone of her conversation was defensive until that point. A CR should never be on the defensive. We as customers can not see the same history CR 's can and most of the time we are going based on our lunch-break chicken scratch of notes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Debt collection (Medical) with Simon’s Agency, Inc (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid an {$85.00} bill. This collections agency put on my XXXX credit report as I still owe this money. They told me they update the report every Friday. Friday came and no update. the next Friday showed up and no update. Then they told me they would send a receipt and I would have to contact XXXX myself. Three times I asked for this receipt and they never sent anything to me. I had to put a reverse on my credit card. Now they are trying to collect this debt again.They put XXXX more negative things on my report. They could only put negative information on credit reports This collections agency should be shut down

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I am a cosigner for my daughter, got hurt at work and XXXX. I had called and pleaded to work something out, filed bankruptcy, to no answer or help from Naviant. The most frustrating part was each time I/we called we would get a different answer, or a possible way to postpone payments.One said I could get off cosigner list if I filed bankruptcy. I was told It was taken care of.only to get calls again after bankruptcy was done. I still am not sure what actually happened. I do know Naviant didnt object to courts during the time frame before case was done.This has cause so much XXXX to me, I can never regain my XXXX.I would love nothing better than to have income to help my daughter pay these off. I just ca n't since injury on job.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2016 about Debt collection (I do not know) with Herbert P. Sears Co., Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am owing money to XXXX, XXXX. I am not sure why I have a debt of {$1100.00} or why this collections is open. I have not visited this dental agency since I was a child and had braces as a child. before my mother pasted I had my braces removed at the age of XXXX. I have not been to this dentist over several years now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Mortgage (FHA mortgage) with U.S. BANCORP (MO).
Issue: Settlement process and costs

Complaint: US BANK WILL NOT GIVE ME MY FINAL MODIFICATION PAPERWORK, THEY HAVE BEEN GIVING ME THE RUN-AROUND SINCE XXXX XXXX, 2015, ABOUT SOME PAPERWORK THAT WAS NEVER SENT OUT. I PAID MY 3 MONTHS OF XXXX PERIOD PAYMENTS. MY LAST PAYMENT WAS DUE ON XXXX/XXXX/2015, THAT WAS SENT ON XXXX/XXXX/2015 AND AS OF TODAY XXXX/XXXX/2015, I AM STILL WAITING ON FINAL MODIFICAITON PAPER WORK, I SPOKE WTH XXXX AND XXXX TODAY THESE PEOPLE HAVE NO KNOWLEDGE ABOUT MY ACCOUNT AT ALL. MY MORTGAGE ASSISISTANT PERSON HAS NO KNOWLEDGE EITHER, I REFUSE TO SPEAK WITH HER, I BELEIVE US BANK HAS DONE SOME ILLEGAL STUFF WITH MY ACCOUNT, AND THIS IS THE REASON I CAN NOT GET MY FINAL PAPERWORK SENT OUT TO ME, THEY WANT ME SCREW-UP SO THEY CAN TAKE MY HOME. THIS IS THE XXXX COMPLAINT I HAVE FILED. I AM SO FRUSTRATED WITH US BANK HOME THAT I COULD SCREAM. PLESE HELP ME I WANT TO GET THIS ACCOUNT STRAIGHTEN OUT AND START MAKING MY MONTHLY PAYMENTS. I DO NOT FEEL RIGHT MAKING ANY MORE PYMTS TO US BANK WIITHOUT MY FINAL MODIFICATION PAPERWORK SETTING IN FRONT OF ME SIGNED.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I contacted PHH Mortgage to provide my statements via mail ; they refused. I asked them to a least provide the tax statement at the end of the year via regular mail. They told me that they were going to do it. However, they have n't provided any information via mail. 
I tried to login in their website for days now and I keep getting the message below : We are currently upgrading this website. 
The site will be back up no later than XXXX Eastern time. 
Please stop back. 
I need my loan tax information to complete my tax return. During the week is very difficult for me to call them because I work from XXXX to XXXX. However, I have tried a couple of times to call them from work. I got put on hold for over 20 minutes. I do not have the time to be on the phone that long. I only get 15 minutes breaks from work. 
Can you please help me to get my tax information via regular mail? 
Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Loan was transfered to Roundpoint Mortgage and like always I like to set up the automatic withdraw for the payments on a bi-weekly basis. What I understand is that every XXXX weeks the payment is taken out of my bank account automatically and applied to the loan, so the principal and interest is decreased on a bi-weekly basis and twice a year an extra payment is taken out too to be applied to the principal of the loan. In the case of Roundpoint Mortgage company, they did not apply the payment immediately to the balance and interest, they kept is in a special account called SUSPENSE account which did not effect the loan because it was not applied and my principal and interest like it was suppose to do or mean to do. That was not the deal to start this option.

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 09/27/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (MD).
Issue: Incorrect/missing disclosures or info

Complaint: paypal has frozen my account, locked my funds without notice and when asked why they said my busniess was growing too much. The number of disputes with our customers was always the same ratio as the amount of items we were selling since we started. we have always provided the goods and services to our customers with updated tracking info on every single purchase. we are highly experienced with our business as we have been selling goods with paypal since XX/XX/XXXX however paypal calls us a high risk. In addition paypal allowed us to open an additional account for the convenience of our business the XXXX was in XX/XX/XXXX the XXXX in XX/XX/XXXX paypal always knew we had a XXXX account and they were linked together. XX/XX/XXXX paypal placed a reserve on our account because we received a higher number than usual of unauthorized chargebacks. Paypal accuses us of circumvent their reserves and violating their policies in section XXXX of their user agreement even though we opened the XXXX account over a year before any reserves were placed. cleary we did not open this XXXX account to circumvent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/13/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Late fee

Complaint: I opened up a Sears Citibank MasterCard XX/XX/XXXX because a Sears Representative encouraged me to do that to get a {$15.00} discount on a jacket I was purchasing. I was one day late paying the outstanding balance of {$76.00} and a did n't realize a {$29.00} late fee was smacked on until my next account Statement. My husband contacted Customer Service on XXXX XXXX, 2016 and they said they would reverse the late fee payment if I called in. Due to some personal life crisis, I did not get a chance to call until today, XXXX XXXX, 2016. I was astonished to find out that my account balance now has another late fee of {$29.00} that was tacked on XXXX XXXX, 2016. I asked them to waive XXXX late fees since they were honest mistakes but the customer service rep said that I had to pay the outstanding balance of the XXXX late fee charges to do that, which made no sense to me at all. I asked to speak to a manager and the manager was no help at all. She said she could waive XXXX late fee but I had to pay the other late fee in order for her to do that. It was an awful conversation and the worst customer service experience I 've ever had in my life. At this point I feel like I am forced to pay the late fees or Citibank will keep adding on late fees and profit from this. Out of principle and to protect other customers, I am filing this complaint in hopes that Citibank will discontinue this unconscionable practice of adding these excessive and aggressive late fee charges. My credit is excellent and I wish that I had a better experience with Citibank. After my phone call with their Customer Service Department today, I want to have nothing to do with Citibank ever again except to have them do the right thing, which is to waive the XXXX late fees.

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 02/21/2017 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Transaction issue

Complaint: I booked a ticket for XXXX XXXX. XXXX changed my times, which rendered the flight unusable, so I booked a new flight at an earlier time with a different airline ( XXXX ). All of these were with the American Express Platinum card. I was n't able to gain any headway with XXXX about this change to the flight schedule, so I contacted Amex. They issued a charge back to my account crediting me. I just found out that Amex reversed the charge back on me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2018 about Debt collection (I do not know) with Financial Management Solutions (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: FMS Solutions contacted my ex spouse in XX/XX/XXXX alleging a debt that we owed them from a previous apartment. My ex settled account for almost the amount owed as he needed it off his credit report immediately. I was a co-signer on that apartment and was pursued by FMS Solutions for alleged interest that accrued on that account and threatened with legal action. Court records indicate the judgement entered in this case was dismissed in XX/XX/XXXX for the apartment I allegedly owed. I do NOT have a signed contract with FMS solutions and do not owe them any money. FMS continues to check my credit as recently as XX/XX/XXXX, which shows up as hard inquiries on my credit report..damaging my credit history. FMS solutions should not be able to do this as I do not legally owe them any debt. They are currently out of the statute of limitations for collecting the debt IF the debt was valid. They are not registered with CFPB or state of maryland to collect debt and illegally reported the debt to my acct preventing me from past jobs and credit opportunities. Please rectify this situation immediately by barring my credit from being accessed by this company. Please stop letting them access my credit reports and personal information. I do NOT owe this company any debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax has been incorrectly reporting a state tax obligation that is based on address and not my social security number. I disputed the debt online trying to figure out why this is on my report. Contacted a third party company XXXX and they told me it was found in a public record upon doing my own research this tax lien number XXXX which is based on my address of XXXX XXXX XXXX XXXX IL. I contacted my local county recorder and they stated that indeed it is reporting from my address that my social security number is in no way tied to this debt. I than asked why they would report this to a credit bureau and they stated that in NO way do they report to credit agencies nor verify the information by phone and in fact the only way to get the report I would have to pay a fee which I declined to do. So I am not sure what method of validation they are using but it is incorrect and affecting my credit score and would like to plead to them to PLEASE remove this from my report. I am aware that due to the amount of time it has been on my report that it probably is n't hurting my score much but to start a new year would like to start establishing some credit and would like this unfair account removed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Trouble during payment process

Complaint: My Mortgage was with Bank of America from XX/XX/XXXXthru XX/XX/XXXX around that time I was unemployed and had to file bankrupted but from XX/XX/XXXX thru XX/XX/XXXX the payment were being made by the trusteed and Bank of American start out receiving payment in the amount of {$1100.00} and the payment drop to {$1000.00} but in XX/XX/XXXX I loss my job and the bankrupted case was dismissed and the last payment that was sent to Bank of American was in XX/XX/XXXX but I received a letter from Bank of American stating that the account was soled to XXXX XXXX  however I received a statement from XXXX XXXX stating that I own over {$11000.00} XXXX dollars but my attorney stated that the account was current and I 'm not sure who made the mistake ... ..Trying to clean up my credit report and I need some 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 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NATIONSTAR MORTGAGE (SC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Prior CFBP and XXXX mortgage situation complaints from XXXX forward for my previously owned address : XXXX XXXX XXXX, XXXX, SC XXXX bear on this situation. I have had an ID fraud XXXX information breach and an inaccurate loan for Nationstar came back on my report as an active mortgage loan for the above address. This loan is also inaccurately reflecting on XXXX. My home at the above address was removed from XXXX XXXX XXXX ( bank dropped the house ) and Nationstar attempted and illegal active service XXXX XXXX to restore the house. I did not accept or pay on this loan to the house. New loans were sought and could not be acquired for SS # ID fraud going on at the time. XXXX County Commissioner sold the property to new ownership and the new owners evicted me from the property in XXXX. See the attached documentation. This loan is not viable and a fraud attempt to regain a mortgage I do not own.

Company response to consumer: Closed with explanation