milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/25/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: The terms of the loan modification that Ocwen Loan Servicing had done for us was really terrible and unjust. As you will in the mortgage statement attached to my complaint. I have a deferred principal of {$220000.00} and a regular principal of XXXX. I gave an interest of 2 % only on regular principal XXXX that will expire on XXXX XXXX, 2017. My payment is based only my regular principal of XXXX. I have a XXXX on the same property with XXXX with a balance of {$55000.00}. This is really deceptive what they did to me. I accepted it back the because otherwise, I would my house. Based on the underwater status of our mortgage, reducing the principal amount of our loan is the fairest way to reduce payments. If necessary, we can look at a combination of reducing the principal and adjusting the interest rate or length of the loan to facilitate reduced payments which is our immediate goal. This option allows us to work together and stay in our home for years to come while avoiding the time and expense of a foreclosure lawsuit for the bank with little or nothing to gain. The appraised value of the property is {$160000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I purchased a one time credit report and FICO score from Equifax. The credit score analysis indicated that my most recent late payment was 2 months ago. However, my credit report does not show a late payment for at least a year. I contacted Equifax via email and received responses. The responses were general in nature that late payments have a negative affect ; however, it did not address the issue such that the credit score is indicating a late payment from 2 months ago while the credit report itself shows no late payments in at least a year. I further pursued clarification from the Equifax who indicated that I should call their customer service. I called the customer service number and spoke to an individual who provided the same generic information - that late payments can have a negative affect on my score. 

Both products were purchased from Equifax at the same time - I provided information that the score indicated a late payment two months ago and asked Equifax which account was reporting it. They were unable to tell me, and the credit report itself does not list any late payments for any accounts newer than 1 year old. 

Someone, somewhere is reporting a late payment on my credit report and it is n't showing at all - If, as a consumer, I am not able to see all information reported then the spirit of the FCRA is not being met. I ca n't dispute an item that does n't actually appear on my credit report ; if it does n't appear it should not factor into my credit score. 

I 've attached to this complaint the credit report showing no late payments in the last year, and the screenshot from the FICO score purchased from Equifax which indicates the last late payment was 2 months ago. 

Thank you for your consideration, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Payday loan, title loan, or personal loan (Title loan) with WHEELS FINANCIAL GROUP, LLC. (CA).
Issue: Charged fees or interest you didn't expect

Complaint: I was making payments larger the amount due shown on my account. I did so believing that the amount over the minimum due would go to principle. However, I recently learned that XXXX XXXX was using the excess payment to reduce the minimum payment for the following month. This practice not only reduces the amount of money that is being paid toward the principle, but it increases the interest so that I now owe more than I borrowed!

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/XXXX I received a letter from JP Morgan Chase that they had cancelled the Lender-forced Flood Insurance coverage policy on my home effective XX/XX/XXXX, and refunded my account for the annual premium. However, on XX/XX/XXXX and again on XX/XX/XXXX CHASE assessed my Loan account a fee assessment in the amount of {$48.00}. I have spent more than XXXX hours on hold, being hung up on, emailing, and faxing CHASE trying to find out why they keep assessing this fee amount on my account. I even got a ticket number from their CSR XXXX on XX/XX/XXXX who advised the amount would be removed in XXXX. When they collected the amount from my CHASE checking account on XX/XX/XXXX, I called CHASE and spoke with the Manager XXXX XXXX who was going to investigate and call me back by XXXX on XX/XX/XXXX. When I did not receive a call back from CHASE, I called him and was told by CSR XXXX he left for the day. But she would set up a conference call with the CHASE insurance department because she found no records of them cancelling the lender-forced policy. After waiting on hold for nearly XXXX hours, she said she would try again the next day. After going round and round with XXXX, XXXX and XXXX, I liquidated my CHASE savings account and paid off the principal loan balance of {$19000.00} on XX/XX/XXXX before XXXX EDT, then I called their Home Loan CSR and asked for the account to be closed and that they accept that amount of {$19000.00} as full and final satisfaction of the loan. The CSR insisted I stilled owed for the fee assessment and interest from XXXX to XX/XX/XXXX so CHASE removed {$19000.00} from my CHASE Checking account and then posted on my loan that I stilled owed them an additional {$100.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I sent a HIPAA Validation letter to XXXX XXXX on XX/XX/XXXX it was certified mail and it was received on XX/XX/XXXX this agency has reported a medical debt of {$800.00} for a service date of XX/XX/XXXX this is what is reported on my Experian credit report. I waited 30 days for a response from this creditor and I never received one. On XX/XX/XXXX I sent a dispute letter to Experian informing them that I had sent a HIPAA Validation letter to the above creditor. In this letter I questioned Experian 's reporting of this medical bill on my report as verified since I reached out to the creditor and I have never received a medical bill from them. I requested that Experian remove the negative reporting as proper validation, verification or a bill was ever received by me, I still do not and have not received a medical bill from this creditor. I received a letter from Experian dated XX/XX/XXXX in regards to this medical debt stating that they have processed my dispute and the credit grantor has verified its accuracy. However, Experian did not provide me with proof of such verification. Please find attached below a copy of the certified mail receipt as well as the original letter I sent the credit grantor in regards to this debt

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 05-04-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: XX/XX/XXXX  - One month after getting a consolidation loan for $72,xxx, hit with a capitalized interest fee. That's how it started.

-Challenges with payments, they did not keep me on income-based repayment plans, instead, pushed towards capitalized interest and using forbearance. 

-Declared bankruptcy by   XXXX   XXXX   after a full year of unemployment and still not notified of better options for income issues. Consistently referred me to forbearance.   XXXX   XXXX   customer relations staff often did not have American English as a first language, making it even more difficult to understand options.

-Asked multiple times on Public Service Loan Forgiveness, and was told they knew nothing about it. Found out on my own finally in   XXXX   and lost a full 7 years of potential service and turned down positions which could have helped.

-Dates of forbearance pile ons via capitalized interest:
  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  

-From   XXXX   -  XXXX , 20 months of consistent standard payments, of which  XXXX  went towards capital.

-Total Capitalized Interest with fees since  XXXX : $17,xxx

-Current principal owed 12 years later from loan origination date: $80,xxx, or + $9,xxxx more then when I started in  XX/XX/XXXX 

-Original College Payoff Date:  XXXX , age approximately   5 XXXX  making regular payments for 30 years Current College Payoff Date:   XXXX  , age approximately     XXXX  , making regular payments for 30 years

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Credit reporting () with FIRST ADVANTAGE CORPORATION (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I received my credit report and there is two address on their I have never lived at. I would like those removed. 
XXXX XXXX TX XXXX XXXX. XXXX TX XXXX

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: My credit rating is being maligned by XXXX XXXX on behalf of XXXX. I have disputed the issue with XXXX XXXX & all XXXX major credit reporting agencies, Equifax , XXXX & XXXX, whose report numbers I have entered in the field for 'Original dispute case numbers. ' To date, since fileing a complaint with cfpb, XXXX has ceased to continue this negative reporting on my credit records. Equifax & XXXX continue this negative reporting and It is unfair & completely unjust. To better understand my situation I ask that you please read the document I will upload, XXXX Letter of Dispute XXXX/XXXX/XXXX ' to more fully understand my situation. I will also upload all supporting documents. Thank you for your time & effort, Sincerely, XXXX XXXX XXXX ( Addendum XXXX/XXXX/XXXX ) I would like to repeat, that since beginning this dispute, XXXX ' has agreed with my dispute and deleted this negative report from my files. I would ask that Equifax & XXXX also delete this negative information from my files, as well. Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: When I first started speaking with Navient about the repayment of my student loans, I was never offered any options other than standard repayment. I would always be offered forbearance when I could n't afford to pay, but it was n't until XX/XX/XXXX that I found out about the Income Based Repayment options. I started working with Navient XX/XX/XXXX. Before that time, I only had about {$35000.00} or a little more in Student Loan Debt, now I have over {$40000.00} due to interest charges. Had I known about the Income Based Repayment options in the beginning, I would have never had to put a Forbearance on my account because I would have been able to afford the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: SOMEONE OPEN UP FRAUD ACCOUNT IN MY NAME XXXX XXXX  DID NOT PROPERLY REVIEW DOCUMENTS PROVIDED. ONXX/XX/XXXX I FILED A POLICE REPORT WITH THE XXXX POLICE DEPARTMENT DUE TO STOLEN IDENTITY. SOMEONE OPEN UP A PAYDAY LOAN USING MY SS #. THE POLICE REPORT SHOWS AT THE TIME THIS HAPPEN I RESIDED AT XXXX XXXX XXXX XXXX XXXX AL XXXX. AND ALSO THE OWNER OF THE PROPERTY XXXX XXXX XXXX XXXX AL PROVIDEED A MOVE IN DATE TO XXXX THAT CLEARLY SHOWS I COULDNT HAVE POSSIBLY LIVED AT 2 PLACES AT 1 TIME. I SUBMITTED PROPER VERIFICATION AND XXXX DID NOT LOOK INTO ANY OF IT .ALSO MY FIANCEE WAS LIVING AT THE SAID PROPERTY IN XXXX XXXX AT THE SAME TIME SOMEONE OPEN UP A ACCOUNT USING MY INFORMATION HOW CAN 2 PPL BE BILLED AT THE SAME TIME SAME ADDRESS SEE ATTACHED BILLS

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 03/27/2017 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (CO).
Issue: Loan servicing, payments, escrow account

Complaint: This is not the first time I have complained about this company and its intentional tactics designed to harm consumers. 
On ( or about ) XX/XX/2017 I requested that PennyMac send me a copy of my deed and note ( I am doing a refinance to get away from this company ). I specifically told them to mail it to me and they told me they would and to expect it in a few days. On XXXX I called and was told they had not mailed it. I requested they fax it immediately and was initially told they could not do so, later they claimed they would ( I still have not received it at the time I am writing this ). I also again requested they mail it. I am certain they did not mail it to me as a way of preventing me from moving my mortgage to another company. This is not the first time I have had problems with PennyMac refusing to meet their obligations in regard to my mortgage. As of this writing I still do not have these documents.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I called regarding a bill sent to me from a lawyers office. I gave my information when asked. I let the man who answered the phone know that I had already paid the bill and did not know why it was in collections. He told me to send proof and told me to have a good day.i said for him to wait and not hang up on me. He did any way. His name was XXXX. I called back to have XXXX answer the phone. I asked why he hung up on me when I was not finished talking to him. He told me the conversation was over. I told him that on his end but I asked him not to hang up on me. He asked what else he could do for me. I stated that I needed to know what they excepted for proof of payment. He stated he did n't know. I asked how he could not know if he wants me to prove it was paid? He continued to tell me he did n't know. He told me what ever I wanted to use. I asked to speak to his supervisor and agreed that the conversation was over with him. He told me the outcome was not going to be any different. I again informed him that our conversation was over and please give me his supervisor. He put me on hold and his supervisor came on the line. I did not catch his name. I asked the supervisor if he could tell me what forms of proof they excepted since XXXX as not trained right and could not tell me. The supervisor told me he too, did not know and it was up to me. I told him if they had no protocol and it was up to me, then how about a verbal statement. I then verbally told him I paid the bill and asked him if that was ok? The supervisor stated he was hanging up on me and did.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Debt collection (Federal student loan debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I 've sent Transunion necessary information letting them know that the information on my credit file with US Dept. of Education is NOT valid. I 've sent the company information asking them to validate the debt with the original indebtedness to no avail. The mail keeps getting returned to sender to me after multiple attempts. The information on my credit report is the information I 've use to send to the creditor.

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 08-06-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (TN).
Issue: Struggling to pay mortgage

Complaint: I had secured a mortgage for my mother in  XX/XX/XXXX  to help her prepare for retirement and at a rate that I would be able to afford when she was n't. I was only able to secure a fixed rate loan for 15 years that would balloon at the end of the 15 years. Once I returned from deployment in  XX/XX/XXXX , I started contacting Ocwen about refinancing since I knew the loan would balloon within the next 2 or 3 years. Instead of ever giving a direct answer yes or no, Ocwen kept having me to fill out the HARP forms for assistance and then they would deny it. I knew my income was too much for HARP assistance, but I couldnt understand why I didnt qualify for refinancing. After reviewing my credit report, Ocwen showed I was 30 days late once out of 4 years in  XX/XX/XXXX . I never understood why they wouldnt refinance the loan.
Once the loan ballooned in  XX/XX/XXXX , Ocwen refused to accept any more payments from me and would only settle for the full amount ; even though I requested to continue to make payments. To this day, I do n't know why Ocwen would n't refinance the amount owed at the end of fifteen years or would n't accept my payments since my credit was good. I hesitated in contacting anyone. My mother became ill and passed away in  XX/XX/XXXX . In J XX/XX/XXXX , the home was foreclosed on and sold by Ocwen. I felt helpless at the time. I tried refinancing the home after I found that Ocwen was showing me delinquent in my payments. Of course, it was too late because all financial institutions saw the delinquencies on my credit report and would n't approve me for a loan.
During the foreclosure process, Ocwen sent me another HARP assistance packet. Of course, it was denied. Then a week before the scheduled foreclosure Ocwen told me that the only way I could prevent the foreclosure was to pay {$10000.00} to stop it. My wife told me to request that in writing by fax or email. Well, I never received the request. At that time, I knew I had lost the house at this point and Ocwen wasnt going to try to help me to keep the house.
I feel Ocwen took advantage of me and betrayed me by not refinancing my loan up until the balloon date in order to repossess the house. By showing the late payments on my credit report, it enabled them to have total control over the loan leaving me without any options except the full amount of {$43000.00} which I didnt have.
Please let me know if I have any legal rights in this matter or at least remove the bad remarks on my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (UT).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: My name is XXXX XXXX. I applied for a mortgage refinance recently and was sent a copy of my credit report and noticed that my credit score had gone down and that there was one negative fraudulent report for a Chase Credit card that said the account was closed and there was a charge off because of no payment with 2 amounts of Balance {$280.00} and Past Due of {$230.00}. I have never had a Chase credit card and any charges associated with this account are not mine. 

I called over a month ago and inquired about the account and they said they would send me a copy of all transactions associated with the account. When I was on the phone they had an address XXXX XXXX XXXX XXXX / XXXX, TX which I have n't lived at since XXXX. Date the account was opened XXXX/XXXX/XXXX and date Chase reported to credit reporting agencies was XXXX/XXXX/XXXX. As of today I still have n't received anything in the mail and I gave them my current address of XXXX XXXX XXXX  XXXX XXXX / XXXX XXXX, Utah XXXX. I tried to get connected to a supervisor or manager which I was denied. I called again today and requested information again. The card number with the fraudulent charges is XXXX. XXXX XXXX / XXXX. XXXX XXXX / XXXX, DE. XXXX / XXXX. 

Any help would be greatly appreciated and I would just like talk to a manager or supervisor with Chase to get this resolved. My phone number is XXXX or email is XXXXXXXXXXXX Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Baxter Bailey & Associates (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: inaccurate information id theft cra and hippa violation not 100 % must remove violation of my consumer protection act

Company response to consumer: Untimely response
Consumer complaint received 05/21/2017 about Debt collection (Payday loan debt) with Tribal Lending Enterprise, Inc. (NH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On Thursday  XXXX   XXXX ,  2017  @  XXXX   XXXX  I spoke to a representative o f Majestic Financial  and I was told that my payment scheduled for  XXXX   XXXX ,  2017  would pay off my balance on my account. I requested all communication be in wrting and to cease & desist all phone calls in an email that the supervisor had given me if I wanted to dispute the debt. I sent the email as instructed on  XXXX   XXXX  and I stated I was disputing this debt and i stated that if they feel as though I owe anything, to send me a letter in writing with my pay off balance. I received a phone call from their call center the following day,  XXXX   XXXX  @  XXXX  and I can provode cipies of my phone redords if needed. I also received a letter with no balance and threatening to take action against me if I do n't pay my balance. Under the Fdcpa, if a consumer disputes the debt, my understanding is the creditor has to send validation of debt and the balance owed. I requested this in writing within 14 days as instructed and have yet to receive anything outside of this letter

Company response to consumer: Closed with explanation