milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/22/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TN).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company Ocwen Servicing sent me correspondence stating my Homeowner coverage was insufficient for the mortgage on my home. My dwelling coverage is {$88000.00} with XXXX XXXX XXXX. My mortgage loan balance is {$86000.00}, my coverage is insufficient per Ocwen. Ocwen paid a portion of the homeowner annual premium on my home and not the annual premium of {$1100.00}. Please Please address this problem with Ocwen I do not want my policy to cancel. See attachment Ocwen has been is a awful mortgage company and they do not try to assist their clients.

Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (MS).
Issue: Loan servicing, payments, escrow account

Complaint: Green Tree mortage open escrow account against our wishes saying we did n't pay some property taxes and we send letter and you had to sign for it with prove that we had paid it They started taking our payment for house and putting into escrow making it look like we did't make our payments. we refinance our loan because of this with another mortage company. Green Tree loan was paid in full and look up on credit report they said we did n't make 2 payment which has hurt our credit score We wish to file a complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Mortgage (FHA mortgage) with First Direct Lending, LLC (TN).
Issue: Credit decision / Underwriting

Complaint: I keep receiving notices for reducing my mortgage from multiple companies that have apparent information regarding my credit and mortgage loan amount. Several of the fliers have " last notice '' on them. First direct lender sent one with a number to call to Opt out of these notices, when I called the number they wanted my social security number and it was a mortgage company. The number they listed was XXXX, if this was an opt out number why would it be a mortgage 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 05-10-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX was used online fraudulently. I notified Wells Fargo, they cancelled the card and said the fraud dept would investigate the fraudulent activity. They then proceeded to report that I was late with payments!!!! The balance was from the fraud! I 've never been late with a payment in my life!!!! My credit score is tanking ... Pls help

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX keeps adding and subtracting balances from my accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. I respectfully asked that XXXX be removed if my credit report. I want all loans older than 7 years removed off my credit report as that is more than statue of limitations for my state. I need this done ASAP, as XXXX is doing illegal collecting and reporting practices

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Credit decision / Underwriting

Complaint: I recently reached out to Wells Fargo, my bank for refinancing my loan. My current loan is with Wells Fargo. After indicating that I wanted to pull money from my equity to pay outstanding credit card accounts ( totaling $ XXXX ) to raise my credit score from XXXX to a higher number and reducing my outgoing expenditure, the loan officer assured me that with my income, this should be no problem. Did the appraisal, property was appraised at $ XXXX. Current loan is $ XXXX. They told me to contact all creditors and close the accounts so I can qualify for the line of credit as well as the refinance. Once I did all that, my credit score dropped by XXXX points standing at around XXXX. Now, they have denied my loan saying I do not have sufficient income to cover the cost. They should have checked all the supporting documents prior to approval process. The gross error was on their behalf. Now my credit score is very low to even apply for any loan due to closure of the credit cards, paid for appraisal that I can probably not get back. Please help. I can provide you with all communication, letters, documents indicating my loan was pre-approved. 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 monetary relief
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AFNI INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I reviewed my credit report and noticed an error on XXXX. A collection agency called AFNI is reporting that I owe {$1400.00} AFNI XXXX XXXX XXXX XXXX Original Creditor Amount Owed : {$1400.00} I contacted AFNI and was told that they do not own this account or have the account in their office. They said they have no knowledge of this.. I asked them to remove it from my report. They stated they would not.
I am writing to request that AFNI be removed as they do not have an account for me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX overcharged me {$200.00}. I repeatedly asked them for a complete accounting from day one, about 12 months or so. Eventually I stopped receiving correspondence from XXXX. About XX/XX/2016 I received a dunning letter from XXXX XXXX, Diversified Consultants , Inc, XXXX XXXX XXXX, XXXX, Fl XXXX, demanding the same {$200.00}. 
I responded on XX/XX/2016, certified mail, again advising the charge was an error or submit a complete accounting to me. No response & now I find a negative collection on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (ID).
Issue: Making/receiving payments, sending money

Complaint: Made a payment to my Old Navy account run by Synchrony Bank accidently through bill pay in the amount of {$1600.00} XXXX XXXX. Still do n't have it back. 

XXXX XXXX, I accidently made a payment through my online bill pay system at XXXX XXXX XXXX Old Navy in the amount of {$1600.00}. I had a XXXX balance with them since the card has not been used for sometime. Shortly after realizing I was missing additional funds from my account from making a payment to them and my original mortgage company I called XXXX XXXX to stop payment on the bill pay. They said they would n't be unable to as Old Navy has received my funds and I would need to work with them on the refund. Called Old Navy they said they would issue a check back to us. After several more calls. They said my account was closed and the fund are on their " general ledger ''. They would need proof the funds came from myself. Spoke with supervisor team multiple times. ( XXXX, XXXX, XXXX, XXXX ) Was requested to fax my bank statements and a letter over which was completed ( XXXX ). They said this was not enough, they requested I go directly to my bank and have a manager write a letter proving I made the payment. This was completed and faxed over as well, it included all dates amounts and account numbers. ( XXXX ) Still no payment was refunded. After several calls they stated the payments was made XXXX which no one could confirm. They said that they could not issue the check to me but would send it back to the bill pay servicer my bank used to pay them which was XXXX. 

Was transferred multiple times to XXXX and my own XXXX. They both stated that they see no payment made from Synchrony Bank. They continually asked for payment confirmation. After several calls to Synchrony Bank and being told payment was made, I had to continually ask for confirmation which no one has been able to provide. On top of this they closed the account and every time I called they required I conference in my wife which works during these business hours. Trying to add me as an authorized user was useless because they said my account was closed, which we never requested it be closed. Needless to say I have spent hour upon hours trying to get my money back that they accepted on a now closed account. 

Old Navy/Synchrony Bankacct # XXXXCustomer service line : XXXXAddress : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX ( XXXX ) Case # numbers : XXXX / XXXX # XXXXMerchant Service Phone # XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XXXX XXXX used XXXX collections companied to file inaccurate derogatory collections on all XXXX of my credit reports. However, I do not have an account with XXXX, nor did I ever possess a XXXX account. I placed a credit freeze at each of the XXXX credit bureaus on my credit report files XX/XX/XXXX. Nonetheless, in XX/XX/XXXX, XXXX XXXX extended credit to a person in XXXX with a similar name, however I live in XXXX for the past XXXX years. I was subject to the Data Hacking if XXXX in XX/XX/XXXX. I have credit bureau monitoring of my files and I was able to remove the inaccurate derogatory collections. How did XXXX XXXX give approval for a new account in my name, while all XXXX of my credit bureau files are frozen? XXXX did not check this persons credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Credit card () with PORTFOLIO RECOVERY ASSOCIATES INC (MN).
Issue: Other

Complaint: On XX/XX/XXXX, I sent a letter to Portflio Recovery Associates, LLC to dispute account ending XXXX on my credit reports. I did not receive a response to the first letter so I sent another letter on XX/XX/XXXX. On XX/XX/XXXX, I received a letter from Portfolio Recovery Associates , LLC stating that in response to my dispute they have enclosed additional documentation for my review. The letter states that they have completed their investigation concerning my dispute and the attached documents related to the account establish validity. Enclosed with the letter is a statement for a billing cycle from XX/XX/XXXX-XX/XX/XXXX in the amount of {$220.00}. This does not validate the debt reported to the credit bureaus. The balance reflected on my credit report is {$890.00}. On XX/XX/XXXX I received two letters from Porfolio Recovery Associates, LLC, the first letter provides details of the original creditor and the second letter advises me that any any further correspondence received would be ignored if no new information to form a new investigation is included. This is not a debt I owe and did not have an account with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Unknown, and no verification provided, I am also XXXX not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Student loan (Federal student loan servicing) with ACS Education Services (NE).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I mailed a payment in XX/XX/XXXX for {$110.00} that was cashed by ACS on XX/XX/XXXX but apparently was never applied to my account. So in XX/XX/XXXX when I received the statement showing past due I contacted them. That was XX/XX/XXXX, the gentleman that I spoke to said to send a copy of the cashed check to them, which I did on XX/XX/XXXX ( I sent copies of both the XX/XX/XXXX payment and the XX/XX/XXXX payment both for the amounts of {$110.00} ). I received the XX/XX/XXXX bill today and it is still showing past due so I called them and they still have not processed the payment from XX/XX/XXXX to credit it to my account. There are late fees on my statement both for the month of XX/XX/XXXX and XX/XX/XXXX. They will not let me speak to a supervisor or correct  their error for me. The best they can tell me is to check back at the end of the week to see if the situation has been fixed. Meanwhile this negatively affects my credit and I am paying more interest than I should be since the amount applied to the late fees should have been applied to my principal thereby reducing what I owe and what the interest would be each month.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Credit card or prepaid card (General-purpose prepaid card) with CITIBANK, N.A. (NY).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint: Pre-paid rebate card issued by Citi in conjunction with a promotion with XXXX expired after only 2 years when it appears that both Federal and NY State law prohibit expiration and/or abandonment of such funds in no less than 3 years in some instances and 5 years in others. <P/>Citi offered no explanation or information about the funds that are " gone. '' Amount lost is {$470.00} I requested either a replacement card or check in the amount lost and was denied.

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 05-12-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Settlement process and costs

Complaint: I paid my loan off as agreed with GreenTree Servicing now Ditech Financial 's attorneys. The certified check was cashed on XXXX XXXX, 2016 and I have not received a release of loan and lien on property despite repeated requests. 

*Please note that GreenTree bought my loan and then began trying to collect on an amount larger than the loan purchased. GreenTree harassed me at my office and was the cause that I was laid off after GreenTree harassing the Vice President where I worked. Even though I mailed my check each and every month GreenTree assessed my account for GreenTree home insurance ( even though I provided proof to GreenTree that my personally paid insurance with GreenTree as a lienhold was in force ), assed penalties, assessed interest on penalties, and other " corporate fees '' not allowed by my original loan. Greentree spent two years trying to foreclose on my home, even though I had never missed a payment ( GreenTree had an account where the payments were held, but not applied to my loan ). GreenTree was trying to foreclose on a home improvement loan of $ XXXX for a house valued at $ XXXX. 

DiTech 's contact information Ditech Financial LLC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX DiTech 's Attorneys XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep getting calls from MCM ( Midland Credit Management ) and sometimes calling themselves XXXX. I believe these are related companies. 

I only returned to the XXXX in XXXX 2015 after living XXXX for over 20 years, and have no outstanding debt overseas ; in the XXXX, I have XXXX long term loan ( a car partially financed through XXXX ) and a couple of credit cards ( all of which are known and show up on my credit reports ). I have no other debt - no mortgage since we bought our house for cash, no student loans, or any other type of loan at all. 

MCM refuses to give me the last for digits of the SSN of the person they are calling. Further, they have said that they will take my number off the call list, but this clearly DOES NOT happen. 

I have told them - each time - that they are calling the wrong person, that I have no outstanding debt, and that they do not show up on my XXXX or XXXX Credit Reports. 

They continue to call, looking for a person with my name - and I admit it is a fairly common XXXX - but it is not me. My XXXX reports appear to be accurate ( there are no outstanding debt or unresolved credit issues ) but their continued calls are hugely annoying and verge on harassment. 

Finally, I tried to call the number on their website to speak to a CS representative, but they would not pick up. 

MCM/XXXX need to cease and desist this harassment immediately, but they do not appear interested in getting the facts straight.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Problems caused by my funds being low

Complaint: Hi, I have a bank account with Wells Fargo and I know from time to time I have let things overdraft. But, there are times when I felt like they would hold something back like a check and wait till I was almost out of money so I would overdraft and they they could collect the fees they charge. At {$35.00} a pop it adds up, and I live on one check a month. The bank has all my statements on file, but I know they can alter them if they altered those accounts. What do I have to do to find out if that 's what happened? 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 07/31/2015 about Mortgage (FHA mortgage) with LoanCare, LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Was charged a late fee of nearly {$40.00} on two occasions erroneously. The statements indicate that a late fee will be assessed if the payment is not received by the XX/XX/XXXX and in both cases the payments were postmarked by XX/XX/XXXX. I attempted to contact the servicer to find out their payment processing times in that I feel there was ample time for them to have received the payment, but do not believe that the payments were posted the same day as received. No one at the company was willing to discuss nor do anything to resolve the matter. 
I would opt to pay online but there is a fee to do so after XX/XX/XXXX. I pay my mortgage timely every month and do n't feel it is right to be charged {$80.00} in fees because they choose to sit on the payments for several days after receiving them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NE).
Issue: Loan servicing, payments, escrow account

Complaint: I have always paid my mortgage automatically. However, when ditech took over my mortgage in XXXX 2016, my autopay was taken out incorrectly, replaced, then never corrected all without my knowledge until I started receiving collection calls. All prior payments and subsequent payments were made on time. I tried resolving with ditech over the phone over a couple months, multiple phone calls, etc. but the amount was wrong, there were late fees added, and the entire thing was a complete mess!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Student loan (Non-federal student loan) with Utah System of Higher Education (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My educational institution, XXXX XXXX XXXX XXXX XXXX XXXX, initiated my repayments in XXXX through UHEA ( XXXX ). At that time, I owed approximately XXXX, XXXX dollars. Through a deferment, inability to " communicate '' with XXXX, getting conflicting information from them when they would respond, there total lack of cooperation in providing statements and other loan specifics as well as my own ignorance in just refusing to deal with them or my loan for about 2 years, I have since paid approximately XXXX dollars to them and still owe them approximately XXXX, XXXX dollars. I am nearing retirement and do n't feel I can maintain these payments much longer as I will not have the money. It trying to work with them to settle the loan, I received but rude and degrading comments. I am at my wits end about it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation