milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/23/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: My tax returns have been audited by the IRS four times in the past seven years due to Ocwen Loan Servicing 's ineptitude in reporting my mortgage interest paid. Ocwen simply does not report my share of the property taxes and/or mortgage interest paid annually ; however, they do report my husband 's share, which is half. In every case, I submit a copy of our XXXX which clearly states my name as the payer/borrower and the amount of mortgage interest paid. Ocwen Loan Servicing consistently fails to report my share of the mortgage interest, and in XXXX cases, real estate taxes paid, to the IRS. This is not my first complaint to the CFPB regarding Ocwen ( CFPB File No. XXXX : treatment of Escrow payments ), but is the first of this nature. I left a voice mail message for XXXX XXXX, CEO of Ocwen, at XXXX due to my utter frustration with this entirely inept company. I can not understand how XXXX XXXX can continue to operate this company with such blatant disregard for simple math. My prior complaint with CFPB regarding the same company is still outstanding, as Ocwen does not seem to know how to apply an escrow payment to offset an increase in monthly mortgage payments. My frustrations are many ; my immediate frustration is my fourth IRS audit in XXXX years simply due to Ocwen 's blatant discrimination toward female co-mortgagees. It is disgusting. I anticipate subsequent IRS audit notifications and requisite responses due to the trigger that Ocwen is causing. This is unacceptable. The most recent IRS notification is for the year XX/XX/XXXX. That means I should expect another notice for XX/XX/XXXX, and again for XX/XX/XXXX once I file my returns. I am frustrated to the point of wanting to pay off my mortgage just to be rid of Ocwen, or force a transfer of servicing to another, competent servicer. The time spent in resolving so many issues over so many years is time I will never get back, nor will be compensated for. The escrow issue is still outstanding, and Ocwen is unable to explain how an overpayment to escrow does n't affect an increase to our monthly payment. Again, Ocwen, WHERE IS THE MONEY GOING??? Why are n't you reporting me as a co-borrower, co-payor to the IRS?

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Debt collection (Other debt) with TRANSWORLD SYSTEMS INC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: TSI XXXX XXXX XXXX XXXX, DE XXXX Consumer Hotline : XXXX Consumer Hotline Fax : ( XXXX XXXX XXXX Have been calling me about a debt that does not exist. I contacted the company they represent, XXXX XXXX who indicates I do not have any debt with them. TSI is persistent in the calls. XXXX XXXX has been notified. THE CFPB needs to strengthen its resolve to protect the consuming public. Errors are permitted by the likes of XXXX, XXXX, XXXX and countless others not reported. There should be some type of real penalty. 

Double standards - CFPB should help find equity in consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Debt collection (I do not know) with Aargon Agency, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I sent letter to debt collector/creditor to verify debt I received no response and/or documents. I mailed letter on XXXX XXXX and have proof from post office verifying this. I have complied with all credit reporting laws and have given the appropriate time to respond and would like this matter resolved and deleted from all credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 09/28/2017 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (VA).
Issue: Trouble during payment process

Complaint: To whom it may concern : I applied for a loan modification with PNC in XX/XX/XXXX. My loan is a portfolio loan which is not owned by XXXX or XXXX and does n't qualify for HARP so options were to sell, refi ( but bring money to the table ) or modify the existing loan. 

On XX/XX/XXXX I received a trial payment condition in order to qualify for the loan modification. 
1st payment {$900.00} .... I paid XXXX on XX/XX/XXXX 2nd payment {$790.00} ... .I paid XXXX on XX/XX/XXXX 3rd payment {$790.00} ... .I paid XXXX on XX/XX/XXXX ( I paid extra ) On XXXX I received a check back from PNC for {$790.00}. stating I did n't pay the amount in full. 

On XX/XX/XXXX I sent {$990.00} to PNC to ensure that my payment was covered ( this extra was to cover the fee they added ) When I received my loan modification paperwork - the terms were not what I wanted or agreed to, so I did n't except their offer. 

In XX/XX/XXXX my credit report is showing that I was over 30 days late for my XX/XX/XXXX payment. 

Now that I have a 30 day late I ca n't refinance my mortgage with any lender for a year. I feel that they set me up to fail so they could keep my loan to service for another year. 

Now I understand that the loan modification paperwork states paid by the XX/XX/XXXX of each month but if you listen to the recorded phone calls made by PNC their customer service reps state as long as its paid within the month. I made not have made the payments on the XX/XX/XXXX, but they were NOT 30 days late. 

Please see attached paperwork and bank statements showing that the funds cleared prior to the end of XX/XX/XXXX. 

Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX, 2017, I found an unknown inquiry to XXXX for New Tradeline from CBNA with Business address as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL Business type : N/A Account type or status : N/A Balance : {$1700.00} I did not authorized this inquiry and want to remove it from my record. Also want to know why they made this inquiry. 
Please help me secure my information. I am totally unaware of the inquiry.

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 08-09-2017 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Trouble during payment process

Complaint: A claim was filed with the insurance company in XX/XX/XXXX to replace the roof on the home. The adjuster provided payment to the mortgage company in XX/XX/XXXX. As of XX/XX/XXXX the mortgage company refuses to provide to the contractor in order to make the approved repairs. The mortgage company has deposited the funds, collecting interest on the funds, and risking further damage to the home by not releasing adequate funds for repairs.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (RI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Paid off the account in full, to original creditor XXXX, as was turn over to collection agency, so I disputed the to all credit bureau that I do n't own any money, requested to have those collection agency removed, during investigation result that collection agency said I still own money as it MCM Midland Credit Management , Inc . I send them a copy of my on line banking payments proof from Credit Union which I made electronically payments, as printout so clear and legal documents from my credit union payment transactions, as it was n't good enough for them no matter it statement as proof. so send them another copy hope it to right person to contact the original creditor to verifies payments posted to account.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Mortgage (FHA mortgage) with SUMMIT FUNDING, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Hi I recently refi 'd a loan that was previously with Summit Funding. The loan was paid off in XX/XX/XXXX. I believe the exact date of funding was the XX/XX/XXXX. When I call the ecrow department at Summit, I was told that I should received the check by the XX/XX/XXXX. They said they legally have 21 days to refund. If my calculations are corrent the XX/XX/XXXX is much more that 21 days.. I still have n't received the refund. I have called the Summit Funding escrow department several times. Last week I was told that the check was cut on the XX/XX/XXXX and I should have had it by now, I still do n't have it. Called again today and asked to speak to someone in the escrow department as to why I have not received my refund. I am done calling and now would like to place a formal complaint against the company .. Summit Funding has been terrible since we were approved for our XXXX loan in XX/XX/XXXX. Can someone in your office please help us to get our escrow check in the mail? Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with WAKEFIELD & ASSOCIATES, INC. (ID).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Debt collector refusing to mail verification of debt and refusing to notify of right to dispute. Called XXXX about this debt on XXXX/XXXX/16 at XXXX. In addition, debt collector hung up on me after refusing to send any information. This is my first attempt to gather information about this debt. I was under the impression that this debt had been settled many years ago.

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 03/23/2018 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I submitted a complaint on XX/XX/XXXX. I received a call from XXXX XXXX, phone number XXXX extension XXXX. I called XXXX  back 5 times before receiving a return call. When XXXX  called me back on XX/XX/XXXX in the late evening, he was very vague and could not tell me what my complaint was. He stated he would research my " concerns '' and provide me a response within 30 days. I have been through this rodeo with BOA before and in an effort to not have my time wasted AGAIN, I asked XXXX  to tell me what he was researching. He started telling me how he interpreted my concerns which was 100 % incorrect. I advised him then, in an effort to not waste time I'd like for him to hear my concerns since he clearly was not interpreting them correctly. XXXX refused and kept insisting I would receive a letter in 30 days. A letter in 30 days of research on " concerns '' that aren't really my concerns? Help me understand that? I am requesting that this phone call with XXXX  be listened to by management and they will clearly hear the incompetence and how i wound up back here. I then asked XXXX to provide me ALL notes on my account from XX/XX/XXXX forward, I asked XXXX to tell me if this was proprietary information, because IF IT IS, I can obtain the proper authority for the notes to be provided to me. XXXX stated he does not know and would research. this response doesnt make sense if he is a regulatory officer he should KNOW this information. I do this for a living myself, i can tell you what is proprietary and what is not.

At this point I am concerned who XXXX  really is and if he is competent to address my concerns in its entirety. I asked XXXX  was he a middle man just acknowledging my complaint or was he the actual person conducting the research. XXXX  confirmed he would be conducting the research. At this point I simply asked for XXXX XXXX  managers name, he refused. I explained why I was asking for this information ( based in his incompetence to provide any sort of clear answer on anything I asked ), he again continued to refuse. I asked for a manager to call me, no call.

I am concerned that a lot of time will be wasted here with someone that is incompetent to understand or even READ my concern correctly and address them. I do not want to receive a letter in 30 days that has nothing to do with or address my actual concerns.

I hung up the phone with XXXX  and called into BOA customer service, I spoke with XXXX. XXXX could not verify XXXX.

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 12/29/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: Ever since XX/XX/XXXX I have been in a malicious dispute with Citimortgage with this alleged mortgage account # XXXX. I must reiterate I SHOULD HAVE NEVER RECEIVED A HAMP LOAN MODIFICATION. Citimortgage has refused to listen to me over these several years, when I have told them my adult daughter who is currently receiving XXXX for her XXXX is not fully capable to understand the documents she is signing. Example loan modifications etc. Citimortgage has continued ignored me and has informed if she does not sign I will be denied. This is not right but I am forced to do so regardless of the circumstances. I even said they can have a property for which they are not entitled to if I have to continually be at odds with Citimortgage to understand my adult daughters XXXX. 

Citimortgages Fraud Department said in a letter addressed to me that I " Reaffirmed '' this alleged mortgage in my chapter 7 bankruptcy in XXXX I would like to know WHAT REAFFIRMATION AGREEMENT did I allegedly sign in XXXX and WHERE did they obtain this information about this " Reaffirmation ''. 
Now they have accused me for filing a fraudulent claim of forgery this is not true. If I do not know anything else ..the one thing I do know is how to spell my name. Citimortgage has accused me of falsely filing claims against Them in an " attempt to eliminate a debt '' but they can not even address the Pennsylvania State Attorney Generals letters to them in an effort to address this matter. ( case file XXXX ). They would rather send an ACT 91 notice than to address or ascertain if there was any issues. In XX/XX/XXXX I received a letter of being transferred yet again to XXXX, it appears Citimortgage is " attempting to eliminate answering questions based upon their actions. 
Citimortgage has misconstrued my intentions in trying to obtain the best possible outcome for all concerned parties. FANNIE MAE, This writer and Citimortgage

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 06/21/2016 about Payday loan () with Big Picture Loans, LLC (GA).
Issue: Charged fees or interest I didn't expect

Complaint: I received a loan from bigpicturepayloans, that was listed as a installment loan, borrow XXXX payback XXXX, I was not advise of the interest rates or that they would be charging my account XXXX dollars a month. interest rates of 900 percent, this was not advise to me. I did not see this when I signed the agreement. Please help. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Ga XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Mortgage (Reverse mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I thought I would start this process again as I have documentation that supports my view of this issue. I am being downgraded by Credit Agencies. I have written each and they all take the same view. If they do not receive monthly information form a real estate source they have no obligation to report anything positive or negative on a person. This discriminates against persons who have a reverse mortgage. In fact since you have to be over age XXXX to have a reverse mortgage it discriminates against XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Credit reporting () with Experian Information Solutions Inc. (DE).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My credit report is absolutely perfect, other than this error, showing a 30 day past due payment on a XXXX XXXX card through XXXX XXXX. I am not a slow payer or having financial difficulties. There was an issue with my checking account, where the bank mis-posted a cash deposit to the wrong checking account. This caused my XXXX XXXX payment to bounce and I went past due because they had the wrong phone number on file for me and could not reach me. Since I live in the XXXX, I only get my mail weeks later. When I found out about the issue, I immediately made payment and advised XXXX XXXX of the bank issue. I disputed this with XXXX XXXX and they refused to fix it. I had my bank send them a letter explain that it was not my fault. I thought that with this letter XXXX XXXX would have cleared up the matter, but I just pulled my report and it is still on there. When I called XXXX XXXX they said that even though I attempted to and had all intentions of paying and was victim of a bank error, they will not correct my credit bureau. I am not asking anyone to fix something that was my fault. If XXXX bank causes an issue, that should count. They claim they are not permitted to change the reporting unless it was their error. I just do n't believe that is a fair practice and I suspect that is not a rule they apply consistently because others, report on line that having proof of a bank error should and does result in the credit bureau being corrected. I do n't know what to do next, but try this route in hopes that you agree that I am not being treated fairly. I do n't have documents available to me, because I am in the XXXX and my paperwork is in the XXXX. I will be visiting in the next few months and can get the docs out of storage if needed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been trying to get in touch with Experian credit reporting company about identity theft and fraud accounts on my credit report. I have not been above to get access to my credit report or to talk someone over the phone about these problem or issues.

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 03/22/2015 about Bank account or service (Checking account) with STATE EMPLOYEES CREDIT UNION (NC).
Issue: Deposits and withdrawals

Complaint: I was given misleading and inaccurate information regarding why a payment was withdrawn late from my State Employees XXXX Credit Union checking account was withdrawn late. I have made several efforts ( as documented ) to ascertain the reason for this. Both State Employees XXXX Credit Union and the credit card company, XXXX XXXX, have been passing the buck back and forth blaming each for the issue and neither party taking responsibility for this issue that has to do with their outdated ACH systems.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX is reporting 30,60 days late in which is incorrect and I have disputed and I also have asked to see and or know the method of verification and the description of the procedure used to determine the accuracy and completeness of the information with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately and I keep getting back that it has been verified but they have not provided me with any proof as I have asked as I know it is incorrect. Equifax also is reporting this account open when this account has been closed since XX/XX/2017

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 02-01-2018 about Debt collection (Auto debt) with NATIONWIDE ACCEPTANCE CORPORATION (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Every morning I get a call from Nationwide ( the company that i got a loan from ), during business hours when Im at work and I keep repeating to them not to call me at work to resolve the issue and they still repeat the same thing. Also they call me after XXXX as well. Also yesterday they called me in the morning as well as in the afternoon when I told them not to contact me at work. They usually call me multiple times within the same day as well. I recently told the manager of this company to stop calling my cell phone and they didnt listen to me, and still call me. Also when they call me on my personal number, they not only call from their business line but also several different personal numbers.

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 09/15/2017 about Debt collection (Other debt) with Continental Central Credit, Inc. (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: We bought a time share 11 years ago and paid it off about 2 years ago. In the first 3 years we had constant communication with them either by phone or mail. If we were late in a payment or a change in their bi laws they had no problem getting a hold of us. 
In the past 7 years we have not received any bills or notice of a debt owed. This past XXXX we received a collection letter stating we owed XXXX for maintenance fees. I immediately called spoke to someone on the phone and then sent a letter asking for proof. 
Two weeks letter I received a letter from a lawyer with not a breakdown but a letter that I had a timeshare and added almost 600.00 in legal fees. It even states in his letter that a new company had taken over and had failed to notify us and others of this debt. 
How can this be allowed to allow a debt to go so long without notifying us and then demand it to be paid in full, request proof and then add another XXXX in legal fees. 
We have worked so hard to improve our credit paying our bills on time and now this. I feel they do this on purpose so consumers like us who ca n't pay the total up front that can add fees to make more money. Please help us solve this

Company response to consumer: Closed with explanation