milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-10-2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Settlement process and costs

Complaint: RE XXXX I am not able to log into my complaint.I would like to provide you with an update.The evidence hearing in XXXX XXXX XXXX, Fl is set for XXXX XXXX issue also is when Ocwen sends mail via XXXX the tracking numbers are not tracable.The dispute now is over when the actual foreclosure proceedings were started vs when I received the final HAMP Mod papers to the local address while I was on contract in XXXX.I have the envelope and the return, drop off package receipt both have nontracable XXXX tracking numbers on it.I believe this is done on purpose.I have contacted the Attorney General of Fl.That office also has requested a response from Ocwen.Originally I was approved for a Hamp Mod but it was revoked by Ocwen with the explaination that the paperwork was not returned on time.I dropped it off on XXXX XXXX in XXXX, Nevada.XXXX number XXXX.Tracking number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Mortgage (Conventional home mortgage) with FREEDOM MORTGAGE COMPANY (NV).
Issue: Trouble during payment process

Complaint: I have a 30 year fixed loan with Freedom Mortgage company located inXXXX TX. 
I make payments monthly using my computer and paying online. I refuse to mail my payment for fear it will get lost in the mail. 

I did my usual log on today into my Freedom Mortgage account and it said that there was a payment error! So I thought perhaps I entered my account number incorrectly. 
I tried to input my info again, and I received the same error telling me to contact the office. 

I spoke with a representative and explained my problem. He said that they are not able to process payments that have a XXXX browser. I told him that I have been paying on line for years and have never had any problems. 

I asked him to take my payment over the phone but he said that it is a {$15.00} charge! 

He told me to go find another computer and try it that way!! 

This is not fair to the home owner. They should offer to take a payment over the phone since they are having problems with their systems. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Vehicle loan or lease (Loan) with CREDIT ACCEPTANCE CORPORATION (NY).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: I purchased a used vehicle at XXXX autos XXXX XXXX it was a XXXX XXXX XXXX Ex about XXXX miles on it. The actual price was {$2000.00} after everything it came to {$6100.00} i thought that was a bit much but i really needed a car i was working 2 jobs at that time i was making my payments on time never missed one payment then the car keep giving me problems i spent about XXXX on repairs from the day i brought the car it was in and out of the shop i even try to return the car the dealer said i could n't so eventually the car broke down barely last me 4 months so i told them to come get their piece of garbage because im not wasting another dime he told me if i did n't make the payments he will take me to court ive been waiting ever since but because of that its effecting my credit very bad. Please help.

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 02/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have submitted a XXXX Loan Forgiveness Application to Navient back in XXXX. My loan is with Navient for attending XXXX University. Since then until XXXX they sat on the application with no approval or disapproval and did not contact me on status but instead made excuses it was being processed. In XXXX, they told me it was denied because the signature on the form did not have the title of the person attached ( pety because it is understood by document what title person held ). was told to make changes and resubmit which I did. Since then, I have once again been denied because of a different section that was told was fine before is now incorrect because I checked off more than one option, when it clearly states to check off ALL that apply. It 's now been 6 months since first submission for easy form application but continuous denials for erroneous reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian XXXX, XXXX collection was removed after I sent ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, ACCOUNT NO. ; XXXX {$1900.00} police report & District Court of Maryland for XXXX XXXX XXXX case # : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX MD XXXX SENT NOTARIZED LETTER SIGNED BY XXXX XXXX XXXX ( XXXX ) XXXX RESIDED AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX. 
COMMITTED FRAUD USED MY INFORMATION AND OBTAINED XXXX PHONES FROM XXXX WHICH CREATED THIS COLLECTION ON MY CREDIT REPORTS. IT WAS REMOVED AND NOW IS BACK ON. THIS IS VERY UPSETTING SINCE I AM IN A HOME BUYERS PROGRAM " XXXX ''. THIS RE POSTING OF THE FRAUDULENT COLLECTION IS PREVENTING ME FROM GETTING A HOUSE FOR MY GRANDDAUGHTERS AND I, A DREAM I HAVE HAD FOR A LONG TIME ME AND MY GRANDDAUGHTERS. I NOW HAVE CUSTODY OF AND WE ARE LIVING IN A XXXX BEDROOM APARTMENT BECAUSE OF THIS AS WELL. IF YOU CAN HELP ME GET THIS PERMANENTLY REMOVED FROM MY CREDIT REPORTS ONCE AGAIN I WILL BE ABLE TO PARTICIPATE IN THE " XXXX '' AND FINALLY GET MY GIRLS A DECENT HOME. ALSO I HAD STUDENT LOANS THAT WERE EXPUNGED AND SHOULD SHOW THEY WERE SATISFIED AND PAID ON TIME.. PLEASE HELP ME AND MY GIRLS XXXX WILL BLESS YOU I AM SUREXXXX XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/15/2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Late fee

Complaint: I opened a Macy 's credit card account XX/XX/XXXX ( to receive the 25 % off ). I purchased less than {$20.00} worth of merchandise. By XX/XX/XXXX I realized I never received the Credit Card or a bill. I looked up the XXXX number on line and called. I spent an hour on the phone and was advised my bill was {$52.00}, of which {$38.00} were late charges. When I explained that I never received a card or the bill, the person confirmed that it was sent to the wrong address, cancelled out the card and advised me that she removed the late charges. I paid the actual charges that day on the phone -- meaning once the late charges were removed, my balance was XXXX. I then received a bill then next month stating they transferred my balance ( to a new card since they issued a new one since I did n't receive the 1st ). And I had another late charge. Now bringing my balance which should have been XXXX up to {$52.00}. I again spent 90 minutes on the phone in XXXX and was advised that all cahrges would be removed. Then to my dismay tonight ( XXXX/XXXX/15 ) I received a call stating my account was past due and I now owe XXXX ( of which I owe notheing because I have already paid the original charge of {$17.00} ). The operator each time spoke very broken English. This evening when I asked the operator if my other XXXX phone calls were noted, she said they were not. She would not allow me to speak to a manager. This whole experience seems fraudulent. I would n't be surprised if this company is doing this to others and I would like this looked in to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have been with XXXX for a long time and overall it 's been a great bank. Very good in most occasions. But I 've had some issues with fraud over the last year, particularly with people getting access to my credit report to open accounts without my authorization. I 've had some of the fraudulent inquiries removed from my reports but not all.
There are XXXX inquiries - on X/X/16 and X/X/16 - which I do not recognize and for which no corresponding account was opened by me. It 's not as huge a deal as opening a fraud account or letting someone use my accounts ( XXXX, XXXX XXXX ), but it hurts my credit score to have lots of inquiries that do n't belong to me and were not authorized.
I 'd like to have them removed.

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 03-01-2018 about Checking or savings account (Checking account) with PNC Bank N.A. (OH).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: This is in regards to my debit card with PNC. My card was recently lost or stolen and numerous fraudulent transactions appeared on my account. I filed a dispute with PNC and was denied because they said that there were transactions posted after some of the disputed items that I did not dispute. If I did not dispute them, then it was done in error. There were many transactions and they only allow you to dispute 9 at a time. So I actually had 3 separate claims because of this. Apparently I missed some. The person on the phone told me to dispute the items again, which I have done. Now, just to be sure theres no confusion, I am attaching a screenshot of EVERY TRANSACTION THAT IM  DISPUTING. The transactions include the ATM withdrawal on XX/XX/XXXX for {$500.00}, the XXXX XXXX transaction on XX/XX/XXXX for {$4.00}, and EVERYTHING IN BETWEEN. Also, there are numerous ATM fees.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I obtained my credit report from TransUnion, file # XXXX and noticed a hard inquiry was recorded on my report from XXXX, XXXX XXXX XXXX XXXX, XXXX, WA XXXX, submitted on XX/XX/XXXX. I have never applied for credit or a loan through this company. On XX/XX/XXXX, I contacted TransUnion to inform them of the incorrect information on my credit report and that I did not apply for credit through this company. The male employee informed me that he could not do anything to assist me, would not remove the hard inquiry, and that it was my responsibility to contact XXXX and obtain a letter from them verifying I did not apply for credit. Also, he informed me that this would stay on my credit report until they receive a letter from the company. He would not provide me any information regarding the individual who requested the credit. I asked to speak to a supervisor and he refused to let me talk to one. I requested to have a fraudulent inquiry put on my file to ensure this does not occur again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Mortgage (Other mortgage) with Servis One, Inc. (MA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX Mortgage and BSI Financial , Inc., both mortgage servicers - failed to credit my mortgage account for HAMP payments. I had to sue them in small claims court in order to force them to comply with the law.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was transferred from XXXX to chase as of XXXX XXXX. 
A letter from chase said that I could schedule automated payments as of XXXX XXXX. I have been on chase 's website and mobile app for about an hour and after registering XXXX times am unable to find an email address to express my concern and ask for help in getting my automated payments restored.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Loan modification,collection,foreclosure

Complaint: I am attempting to get a loan modification processed through Bank of America. They have sent me a letter requesting additional documents to support my application. I have submitted all of the requested documents. 

It has now been XXXX weeks since I submitted the documents and my application has not been moved to the Review Process stage. I have called my XXXX several times ( about XXXX ) and I only reach voicemail. I have left a voicemail message with my number each time. I have also left electronic messages on the bank website for my XXXX and received no response.

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 07/13/2015 about Debt collection (Credit card) with CITIBANK, N.A. (MO).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I told them that I filled chapter XXXX numerous of times and they keep contacting me. I give them the case # and the discharge date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Consumer Loan (Installment loan) with LendingPoint Holdings LLC (SD).
Issue: Managing the loan or lease

Complaint: I am getting XXXX & will be on XXXX effective XXXX XXXX 2016 for XXXX days. I called the lender to verify they received the information & no one there is familiar with SCRA & how to apply the benefits to the loan. I submitted my XXXX on XXXX XXXX 2016 along with a request to provide the benefits to my loan. I had not received a response as of XXXX XXXX 2016 so my wife called to verify if they had been received. The representative informed her they received some paperwork from the XXXX but had no idea what SCRA was. He had never heard of it. He informed her a compliance manager would call her back. My loan id is XXXX. I would like to get this resolved before I leave the country.

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
Consumer complaint received 01-06-2017 about Credit reporting () with SLM CORPORATION (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Unauthorized inquiry and/or unknown company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have a letter from XXXX that a fraudulent account that was opened in my name was investigated and was completed with the results being they determined that the account must be deleted which is right .... the account was never opened by me ... I sent all documentation proving that and they completed it and ruled in my favor .... I sent the supporting documentation to experian for them to delete the account and instead they removed like {$270.00} and updated the account ... the account was not supposed to be updated it was supposed to be deleted ... and Im hereby asking them to comply, if XXXX went back on this letter thats their issue not mines it must be deleted thats the resolution we came to ....

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 03-05-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MD).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I had a credit card that I disputed within the first 30 days. While in dispute, my file was sold to Midland Credit Management. I immediately filed my dispute with them. I assumed we were still in the dispute process when I was served with papers. I immediately contacted the number listed on my summons. I have tried to work things out with them but they never return my calls no send me documents I need to move forward. I feel that my legal right to dispute the validity of the debt has been violated and ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OK).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have paid nearly {$800.00} a month for XXXX Loans taken out during medical school. I graduated in XXXX. Since then I have decreased loan by only {$14000.00} according to Navient. And still owe nearly {$130000.00}. 

I am a XXXX XXXX vet. From XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Debt collection (Medical) with Sarma (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I WAS FULLY COVERED BY XXXX XXXX XXXX XXXX WHEN I WENT THRU XXXX. ALL MEDICAL INSURANCE INFO WAS SUBMITTED TO FACILITY, BEFORE XXXX BEGAN.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Debt collection (I do not know) with Waypoint Resource Group, LLC (KS).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: waypointresgrp they keep calling but will not give me any information. they want my ss number and I will not give it to them. they want my information but will not tell me what this is all about

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A collections report keeps appearing on my Credit Report for a debt that is not mine and I am never notified of the debt until it appears on my Credit Report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 04/17/2017 about Credit card () with JPMORGAN CHASE & CO. (LA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Since XX/XX/XXXX, someone has repeatedly ( 8 times ) attempted to open Chase credit cards and Amazon credit cards through Chase Bank. These applications are showing up as hard inquiries on my credit report, and I am not applying for these cards nor am I authorizing the hard inquiries. I have received letters from Chase letting me know of this attempted fraud and have called the number provided to have those applications deleted and requested that the inquiries be removed from my credit report, and I have also placed a 90-day fraud alert on my credit file. I also signed up for XXXX. Despite this, I am still having someone trying to open cards with my information. After months of taking all this action to prevent this from happening, it continues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-07-2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Struggling to pay mortgage

Complaint: Based on my researched. I have file numberous complaints against XXXX XXXX /XXXX XXXX XXXX XXXX. in regards to alleged illegal foreclosure process. I know have a new foreclosure attorney acting on behalf of Bank Of America, Which I never had any contract agreement with Bank of America or listed on my Deed of Trust and Note. So therefore I would like for Bank Of America to show proof of claim that I owed the alleged debt and Also XXXX XXXX XXXX show proof of discovery and legal contractual agreement from there law firm and Bank of America. I never receive Bank Of America mortgage statements in day of my life.
I also show violation of Preditory lending, Truth n Lending and Adjustable Rate Mortgage, RESPA., alleged payments increasing due to loan.

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 Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Southwest Credit Systems L.P. a appear on my XXXX credit report, which i have reached out to the company to rectify the problem because i am not and have n't done any business with XXXX for quit sometime. the account in question belong someone from XXXX NJ I was also told the SSN was different.. That 's what i was told when i initiated an investigation. I would for both XXXX and Southwest Credit Systems to stop all collection efforts. and to instruct the credit bureau to delete it from my credit file. Its important to note i have NEVER lived in XXXX NJ. and i was told that the account also had a SSN which was not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Problems when you are unable to pay

Complaint: Santander Consumer USA financed my vehicle and when I became unable to pay, due to medical XXXX and XXXX, they agreed to work with me upon my return to work. However, while they took my payments, they ultimately repossessed the vehicle. I did not hear anything from them, even after I called repeatedly about reinstating my loan to keep my vehicle. XXXX months later, I received a letter that they sold the vehicle for {$3000.00} and I had a balance of {$15000.00} to pay. I never receive notice that they were going to repossess the vehicle despite my payments, nor did I receive notification that the vehicle was being sold and how could they sell it for such a low amount, leaving me with such a high balance. Given that Santander Consumer USA, has been named and settled in several predatory lending practices, including fraudulent fees and improper repossession, I would like to file a complaint and ask that consumers be protected for this company. ( https : //www.justice.gov/usao-ndtx/pr/justice-department-reaches-settlement-santander-consumer-usa-resolve-allegations. ) I am now fighting to get this removed from my credit, so it appears they are not only hurting consumers financially, but also stopping them for recovering by reporting their fraudulent acts as truth on their credit reports.

Company response to consumer: Closed with explanation