milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-01-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I contacted my homeowner insurance company - XXXX INSURANCE - regarding roof repair and subsequently submitted a claim. XXXX approved and paid the claim and within two weeks send a renewal notice with a premium increase of nearly {$400.00}. I immediately called OCWEN LOAN SERVICING ( loan number XXXX ) and advised I would not pay the increased amount and for them NOT to disburse the payment to XXXX. I was told the renewal request was in queue and was placed on hold while the renewal was deleted from queue. I was then told disbursement had been cancelled. 
I spoke with a representative of the local agent - XXXX INSURANCE - and advised her I was not renewing the XXXX policy. 
I researched and found a new agent - XXXX and XXXX INSURANCE - and advised them to submit policy to OCWEN for payment. 
On XXXX, XXXX XXXX, 2015, I received letters from XXXX and OWCEN. XXXX provided a Reinstatement Notice for policy number XXXX indicating payment of {$950.00} received and balance due {$1000.00}. The letter from OCWEN is a Past Due Notice indicating {$1100.00} was due on XXXX/XXXX/2015. OCWEN received and processed my XXXX payment - check dated XXXX XXXX, 2015 cleared my checking account on XXXX XXXX and my check dated XXXX XXXX, 2015 cleared my checking account on XXXX, 2015. XXXX payments were in the monthly amount of {$1000.00}. 
I contacted XXXX and XXXX today and was told they had not received payment for the new homeowner policy that took effect on XXXX XXXX, 2015. 
OCWEN is now threatening foreclosure and to report my account in default. IT IS NOT. As the homeowner and the supplier of the funds, I feel I have every right to choice who I wish to insure my property. 
I just called OCWEN and was told " I paid XXXX, so I would have to pay the increased policy premium to replenish my escrow account ''. I told her " I DID NOT PAY XXXX - they paid XXXX and they need to straight out the mess they have created. " I was then told I had to speak to someone at the Insurance Service Center and was given a number to call - XXXX. I dialed the number XXXX and got a recording stating this is not a valid number. 
OCWEN needs to retrieve my escrow funds from XXXX INSURANCE and pay the new agent or send the money to me. OWEN must also remove any negative reporting on my credit in reference to my account payments, my payments were not late and my account is not in default. 
Your assistance is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MO).
Issue: Loan modification,collection,foreclosure

Complaint: See your law suit against Greentree I have fell victim of this aweful company. they '' dual track " while i was going through a loan modication. greentree added thousands of dollars to my account knowing i could n't pay it thats why I requested loan modification application. I went from {$740.00} behind to {$8000.00} now i have to come up with {$9400.00} in order to get my home back, They stole my home. kick me and my grandson out on the streets last month. I have had this mortgage since ,XX/XX/1993. This is wrong and immoral. They lied to the judge to get this foreclosure through I have documents to prove it..I mail copies to your office last week please review. I have the right to defend my property against this evil company. My next step will be The media \ civil right activist to expose this company again .... Evicting a little boy that was born a preemie and now experiencing separation anxiety from losing his home ..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I disputed Tax Liens with XXXX and Equifax that do not meet the XXXX reporting standards, as these liens have redacted my social security number and do not show my date of birth ( see attached )

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have tried multiple times to contact trans Union and get my account information fixed on balances deliquencies ect. and they keep sub tracting huge points like negative -77 at a time. they don't have my years of credit coreect. and yoyu can see a huge difference between XXXX   report compared to Trans Union. its not fair and I have worked diligently to improve my credit score.

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 09-08-2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: My loan with XXXX was transferred to Select Portfolio Servicing , Inc . However a new title was not recorded. I had an agreement with XXXX that some old payment were deferred to the end of the loan. SPS want me to make payments now. I sent documentation that they will not honor because they said that they are not authorized. It appears there is another company UXXXX. I requested a restructure based on the home affordability act. They said they were not authorized. I requested arbitration based on my original agreement with XXXX and they would not do that too. This has been going on since XXXX 2015.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EOS Holdings, Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX, shows me owening a debt to XXXX, XXXX, debt is not mind, I have contacted XXXX which states that I DO NOT OWE them a debt. Upon Contacting XXXX, They state that another company has filed on XXXX XXXX behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MO).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have about {$90000.00} just in private student loans. I have XXXX private loans with different interests rates which is about {$900.00} a month just for my private loans. I have federal loans with Navient as well and those are about {$300.00} a month with a total of about {$1200.00} a month just for student loans. I have let Navient know multiple times that I am not able to afford that amount of money a month and they refuse to work with me to lower my payments. They have insisted that I am at the lowest payments. They have suggested that I put my loans in forbearance and did not let me know that I only have a certain amount of times for my loans to be put in forbearance and that when they put it in forbearance they tell you it 's for 3 months, but do n't tell you that they will back date your account that three months so it really only ends up being 1 month of no payment. My private loans have lowered my credit score by XXXX points. As of right now they put me on a 15 month payment plan and they say that after 3 months my account will be " current '' and my credit score will go up. I only agreed because I am concerned about my credit score and they refused to lower my payments without me being on a payment plan. These loans have been very stressful since I 've graduated. I am not able to consolidate my private loans and when my federal loans were consolidated they split it up into XXXX lump sum loans instead of one loan. With my credit score being lowered due to this that will hinder me from purchasing a home, car or anything else. Student loans and Navient have ruined my life.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX XXXX is a fraudulent account. 
XXXX XXXX is a fraudulent account XXXX XXXX is a fraudulent account.

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 06/29/2017 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I had 3 Private Student Loans Navient that were included in my Chapter XXXX Bankruptcy Case Number XXXX - The bankruptcy was discharged on X/XX/16. Navient sent a letter to my ex-husband, XXXX XXXX, stating that I was no longer responsible for the loans and they also sent me refund checks for each account for moneys that I had paid. The three credit bureaus have been reporting all three of these accounts as past due instead of showing them included in the bankruptcy. I believe XXXX and XXXX are now corrected because of a previous complaint through CFPB, however, XXXX continues to show them as past due and claims that they have confirmed with Navient that I still am responsible for the loans. I attempted to call Navient twice, however, they said they have no loans in my name and can not talk to me about the loans that are now in XXXX XXXX 's name only. I have attached documentation regarding the bankruptcy, the letters and refund documentation from Navient and my identification documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2015 about Mortgage (Home equity loan or line of credit) with E*TRADE BANK (CA).
Issue: Loan modification,collection,foreclosure

Complaint: On XX/XX/XXXX I purchased a condominium that had been foreclosed on by the homeowners association on XX/XX/XXXX. On XX/XX/XXXX E Trade Bank instructed XXXX XXXX company to record a full reconveyance of a prior owners loan against the home ( That prior owner had not owned the home since the foreclosure on XX/XX/XXXX ). The reconveyance indicated that the mortgage company had no interest in the property. In XXXX after I purchased the property and cleared all tax liens and repaired the property to live in it {$60000.00} the mortgage company filed a rescission of the reconveyance stating on that document that an error had been made and they did not intend to release the prior owners mortgage. I filed a dispute with E-Trade and XXXX to which I received the reply that the prior owner from XX/XX/XXXX called and stated that he was a victim of identity theft so the reconveyance should n't have been completed. ( This is no explanation for why they would do this ) I am filing a complaint because I relied on the clear title at the time of purchase that I have record of and I believe the mortgage company released interest in the property due to many liens against the unit and its poor condition. They enticed me to invest in the property by recording the lien was not in place. As soon as they found that I had purchased and improved the value of the property and paid all the liens off. They then reapplied their lien. This is simple and plain fraud on the part of the loan company and the XXXX company they are attempting to call a " mistake ''. However their Vice president and XXXX had to go before a notary and record a deed in this error so I believe it is intentional. I put nearly all of my savings into this home and I ca n't reside there or sell it now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-03-2015 about Mortgage (Conventional fixed mortgage) with M&T BANK CORPORATION (TN).
Issue: Application, originator, mortgage broker

Complaint: Questioning possible fraudulent mortgage by XXXX. I was not working at the time. This mortgage should have never been written, according to several employees at XXXX, because of suspicious appraisal. I have attached a list of at least XXXX reasons why this should have never been done. I was told that I should sign the loan documents and the problems would be resolved after the signing. A manager told me this. The issues were not resolved. Although they did refund the appraisal fee because of major inaccuracies. ( The appraisal said there are no bedrooms in the house because there needs to be a closet for the room to be considered a bedroom- There is only one room, on XXXX floor that has a closet and the appraisal does n't mention that at all ) This loan was later sold to XXXX XXXX XXXX , then before it was sold to M & T Bank , I called and warned them that this was a fraudulent loan and they should not accept.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/13/2017 about Money transfers (International money transfer) with Veem  Inc. (CA).
Issue: Money was not available when promised

Complaint: I sent USD {$11000.00} to someone in XXXX on XXXX XXXX. It is now XXXX XXXX and it still has not been received. The company keeps coming up with new excuses.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2016 about Debt collection (Mortgage) with SELECT PORTFOLIO SERVICING, INC. (MA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Around XX/XX/XXXX my wife and I lost all our income except Social Security. A consulting company I worked for lost a client I was handling..This was a $ XXXX. a month loss in our income. Prior to that my credit score was XXXX. That was the first time my Mortgage payment was ever late. Also prior to that time we lost about {$700000.00}. in a XXXX Scam .The principal is currently in jail and all our cushion was gone, this was XX/XX/XXXX. In that amount was % XXXX in my wife 's pension money he was managing. During this same time my wife was diagnosed with XXXX. 
We have lived in this home from XX/XX/XXXX and would like to save it. My servicer is SPS Inc.. I have some XXXX '' of paperwork they keep asking for the same thing over and over again.. We literally had not enough money to live on. As proud as I was I went for fuel help and food assistance. Now I have a full time job in the city I live in and we have combined income of about XXXX a month. Again I have asked SPS for help in Mortgage assistance and now they tell me while they review another set of documents the are going to begin the process taking my home. My credit score is up to XXXX from a low of XXXX. I have made my mortgage payment for the past 6 months of XXXX per month and have set up payment programs to get my head above water. The rate of interest is 6.375 % if they lowered the rate It would all help. That interest is in the XXXX the rate on the XXXX is XXXX and yet the first and second add a late fee each month. The value of my single family home is {$370000.00} and I have a XXXX balance of {$160000.00} including the arrears and a XXXX mtg. of XXXX thats a XXXX % ratio. Why ca n't they help me. I have now been working full time from XXXX XXXX for the City of XXXX. Plus I am on Boards that through off additional Income. I could have filed bankrupt and wiped all the unsecured debt out but instead I hoped to struggle a bit and move on. Please help. SPS has only continued to cost me money in tile and more paperwork than I feel they really needed. I worked as a Senior Mortgage officer for over 20 years and if I on anyone working for me treated our customer like this they would have been fired by me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (AL).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo Home Mortgage is listed on my credit report for all XXXX credit reporting agencies as a Deed In Lieu. The open date for this account is XX/XX/2007. This credit item exceeds the allowed statue of limitation time frame for the state of Alabama and should be removed from all XXXX credit reporting agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Fraud or scam

Complaint: How to start. There seems to be A problem.it believe it begins with my car being broken into abd my wallet was stolen. Had all my credit cards.and drivers license and social security. They used up all my credit. 
Bring recently released from being XXXX and trying to help my family. I see my credit gone to XXXX and do n't know how to repair. Or report it. Need some help ASAP to prevent this identity theft and fraud

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (OR).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: On XX/XX/2018, at approximately XXXX XXXX, I attempted to open a checking account at the Chase Bank branch located in the XXXX XXXX store in XXXX XXXX, OR. 
I was asked for 2 forms of identification, which I provided, plus my Veteran 's ID. 
Everything was proceeding fine, until XXXX, the lady opening the account, asked me why I was opening it, and I mentioned that my youngest son was investing in crypto-currency such as Bitcoins, and wanted me to invest as well. She immediately told me that because I mentioned that, I could not open the account after all. I told her that did not seem right. 
She went to talk to her manager, who came over and told me the same thing. She said that it was their policy not to issue accounts to be used for Bitcoin or other crypto-currency transactions. I asked to see that in writing, and she failed to find it, and seemed to fail to get any verification over the phone.

Then I said, " Okay, I changed my mind, I just want to open a checking account to write my son a check. '' I was still refused a checking account because I had mentioned Bitcoin purchase before. 
I felt discriminated against, embarrassed, and angry all at the same time. My oldest son, who is also a Veteran happened to be with me, and witnessed the event, and was also shocked and amazed.

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

Complaint: I have XXXX student loans that i 'm currently paying, in good standings that are reflecting on my credit report with another company ( XXXX XXXX XXXX XXXX ) that are closed. 

XXXX XXXX XXXX XXXX in the amount of {$8500.00} and {$2900.00} these are closed XXXX/XXXX/XXXX and took over by XXXX. 

XXXX XXXX XXXX in the amount of XXXX was closed XXXX/XXXX/XXXX and taken over by 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 03-09-2017 about Credit card () with Alliance Data Card Services (FL).
Issue: Payoff process

Complaint: The issue with my credit report started due to Comenity Capital Bank/XXXX mailing a bill for XXXX purchases to a two year old address so that I never received the bill. I had received the merchandise at my new address and did not realize I had not paid the bill as the bill never arrived at my current address. I only received a bill from Comenity by accident upon visiting my old home when a former neighbor handed me a piece of mail. I contacted the Comenity immediately and thought it was fraud. Comenity could not verify the purchases where mine in the phone call. When I finally verified the charges were mine, I paid the merchandise balance of {$530.00} in full to Comenity. I did not pay the fees and interest charges at that time because I felt the fault was due to Comenity sending the bill to the wrong address for two years. I did not know and Comenity did not tell me had already Charged Off my account before I made the payment. When I realized my credit had been affected, I contacted XXXX. In order to get my credit report corrected from incorrect information of charge offs and settlements, I was told by XXXX that I needed to pay any remaining charges consisting only of fees and interest. I was told to get a letter from the bank in question, Comenity Capital Bank who handles payments for XXXX, stating I paid the interest charges and fees and then I was to upload the letter from Comenity to XXXX. I took the actions suggested by XXXX and paid the interest and fee charges totaling {$310.00} and I got Comenity to email a letter to me saying my account was paid in full ( letter attached dated XXXX/XXXX/2017 ). Upon contacting XXXX again on XXXX XXXX, 2017, I was told by a supervisor that the letter sent to me from Comenity Capital Bank did not meet " certain criteria '' and had to be further verified by XXXX. I was told it would take up to 30-45 days. On XX/XX/XXXX, 2017, only three days later, I received a Dispute Resolution email from XXXX with a copy of my credit report showing the report on Comenity unchanged, The XXXX report still stated there was a Settlement and cited Charge Offs though all charges for merchandise and interest and fees, had been, as of XXXX XXXX, 2017, paid in full. I waited two weeks to see if I received another update from XXXX with the corrected information. On XXXX XXXX, 2017 I contacted XXXX again only to find out the original Dispute was closed and information on my account was not updated or corrected. Some facts : I uploaded the letter from Comenity to XXXX site a total of 4 times. 
As of XXXX XXXX, 2017 my credit report has not been updated with corrected information from Comenity Bank stating the charge off and the account paid are paid in full. Comenity Bank needs to correct this information with XXXX directly as I have done all I know to do. 
N.B. the address of record for this issue with XXXX is XXXX XXXX XXXX, XXXX, TX XXXX

Company response to consumer: Closed with explanation