milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-06-2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Loan modification,collection,foreclosure

Complaint: We have a very serious problem. We were just told that the above file was closed out rather than an extension being issued as requested on XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX from my firm was told on the phone, on a recorded line that we were okay to close on the XX/XX/XXXX - a day after the approval letter expired. Friday the XX/XX/XXXX was a holiday and therefore did not count for the XXXX disclosure guidelines so we needed to close on the XX/XX/XXXX. 

We closed on the XX/XX/XXXX and the wire was then sent out and the attached documents were sent in to Ocwen. The deed was recorded, the buyer 's loan finalized - no rescission period in Maryland - so the loan has already been sold off to a new owner and then Ocwen returned the wire and asked that we change the XXXX to XX/XX/2016. This is a TRID violation so the title company would not back-date the XXXX after closing on the XX/XX/XXXX. 

I am filing this as a CFPB complaint. We are going to tell the title company to send back the wire as it should have been accepted the first time. Ocwen can not give us approval to close the day after on the XX/XX/XXXX and then a week later tell us that we could not close on the XX/XX/XXXX. This will be a title insurance issue and the buyers and the sellers will sue. 

This needs to be rectified XXXX. We can not re-submit the short sale package - Ocwen needs to do what they said they would do and honor the closing from the XX/XX/XXXX. I am sure that the recorded conversation from XX/XX/2016 can be subpoenaed if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX got a copy of my credit report without permission. I contacted them to inform them they had done this on two separate occasions. They stated they would investigate yet when I got their response letter which I have attached all they did was provide me an unauthorized copy of credit report which they purchased through Experian. They have NEVER investigated this and each time I have contacted the credit bureaus they have failed to investigate this matter.

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 02/15/2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (NV).
Issue: Other transaction issues

Complaint: Westernunion was contracted to perform payment service and did not deliver, provided false information for return on funds, was directed to return funds to source and refused. 

Western union was contracted to make overseas payment and did not deliver money. 
They continue pushed for additional personal information and were refused and told to return all monies to the source bank account. 
Instead, they indicated I would have to travel to retail store to collect. 
Attempted collection at XXXX stores using provided transaction #, XXXX times was rebuffed as payment not available. 
Complained again to western union who has ignored communications and has kept my money.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have a POA for  a Citi Bank  customer. I paid for  XXXX   XXXX   XXXX   XXXX   credit card using on-line bill payment from   XXXX    XXXX   XXXX  to  Citi Bank. Unfortunately, I had a typo in the amount of the check. I typed {$15000.00} rather than {$1500.00}. Citi Bank has been unwilling to return overpayment to me.

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 06-09-2017 about Debt collection (Payday loan debt) with Persolve, LLC - Legal - Series 2 (AZ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: Case File No :  XXXX  Outstanding amount : {$910.00} Dear Debtor, This is regarding the loan amount of {$300.00} which you have borrowed from the company named   XXXX   XXXX   and never intended to pay it back. {$910.00} is total outstanding balance on your name including the late payment charges,  Interest charges and NSF charges. So your file has been forwarded to the Legal Department as a final reminder to settle this case outside the courthouse. If you  are willing to settle this case then the company can work on it with you in order to close this case file. After closing this file you will be forwarded a Paid in Full ( PIF ) Receipt at your mailing address with a No Objection Certificate ( NOC ) from the Major Credit Bureaus that the case file has been closed with paid in full.  <P/> If not resolved then the best we can offer you is to be present in the courthouse as will be mentioned on the summons which will be forwarded to you within  Seven Working days after the petition is filed against your name.   <P/> Should have any assistance regarding this case you can reply back on the same email.  <P/> Do revert ASAP in order to avoid legal consequence on your name and SSN.  <P/> Thank You.     XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Debt collection (I do not know) with Collection Bureau of the Hudson Valley, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: For over the past XXXX months we have received continued harrassing calls from Collection Bureau of the Hudson Valley sks CBHV ( phone number XXXX ) asking for someone who has NEVER lived here ( we are the XXXX owners and know the previous owners ). I asked them to remove my phone number over and over ( XXXX times ) and they state that they will, but we continue to get calls. We did again today and I informed that I would report them to the New York Attorney General 's Office. They stated " You go right ahead and see what happens to you. '' I replied " I consider that a threat on my life. '' They said " You can take it however you want. '' I called the N.Y. Attorney General 's office and was appalled. They stated " We do n't care what collection agencies do in our state and we have no oversight to them. '' I was totally taken off guard. When I attempted to XXXX the company to go to their website, the New York Attorney General 's name came up. It is obvious that he/she is somehow connected ed with this company and is attempting to coverup their scamming consumers instead of being concerned for consumers. Therefore, I wish that not only the company, but the NY Attorney General 's Office be investigated by not only your agency but also the FBI and/or Homeland Security.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/13/2016 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (IA).
Issue: Making/receiving payments, sending money

Complaint: My payment was duplicated via ACH by Sychrony Bank. They will not return funds via ACH. I was told, " We have no process for that. '' ) I was told that they will issue refund check in around 14 days. I asked for it to be overnighted as it was a considerable sum of money ( {$2.00}, XXXX ). I was told there is no process for that either. Really? I find that hard to believe. How is it possible that a bank can not ACH back funds received in error or overnight a check? As far as I am concerned, they are sitting on everyone 's money and holding it hostage. I escalated my request all the way to manager level to no satisfaction. I am a customer in good standing. I pay off my balance every month and this is the best they can do?

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 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I was trying to get the free annual report from equifax. Their website is not working. Even though they offered to provide service on the government website - XXXX. 


Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online. 
How to Request by Mail To request your free Equifax Credit Report by mail, please fill out the attached form ( PDF file ), along with the documents described below, and mail them to : XXXX XXXX XXXX Request Service XXXX XXXX XXXX XXXX, GA XXXX Please include with the attached form a copy of one item in EACH of the categories below in order to assist us to verify your identification and address. The item you submit from the " identity '' category MUST contain your Social Security number and the item you submit from the " Address '' category MUST contain your current home mailing address. 

Identity Social Security card Pay stub with Social Security number W2 Form Address Driver 's License Rental or lease agreement/house deed Pay stub with address Utility bill ( gas, electric,  water, cable, residential telephone bills ) To ensure that your request is processed without delay, please enlarge photocopies of any items that contain small print ( i.e. driver 's license, W2 forms, etc. ). To avoid additional delays, keep in mind that if photocopies you submit are not legible or contain highlighting, we may ask that you resubmit your request with more legible documents. 

Download XXXX XXXX Return to Annual Credit Report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Chex Systems is reporting the wrong information regarding myself. I called a wrote .... NO RESULTS. Please correct and DELETE.

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 02/20/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (PA).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/2016 I deposited {$1600.00} from my XXXX checking account into Wells Fargo checking account. This money was to cover my mortgage payment which is automatically withdrawn by WF on the XXXX of each month. Several days before the XX/XX/XXXX I rec 'd a copy of the check back from Wells Fargo with a return reason " refer to maker ''. I quickly went to my nearest XXXX branch, where I had to withdrawal {$1600.00} in cash and deposit it into Wells Fargo or my mortgage payment would have been delinquent. I spoke to the manager at XXXX and showed him the copy of the return check. XXXX claims ( after a full investigation ) the check was never presented to them. They would have absolutely no reason not to honor the check, it was made payable to me, and it was coming out of an account with {$10000.00} in it, more than enough to cover the check. However, Wells Fargo continues to point the finger at XXXX stating that " there must have been something about the check they did n't like ''? ( WF branch manager 's words ). In light of the fact my mortgage account has been handled so poorly these past several months by Wells Fargo I fear that once again a mistake has been made on their end. I still do not know where this check is ( check no. XXXX ) nor can they tell me where the check is? It could have been an electronic error on their part but they are not taking responsibility or giving me any answers, other than blaming XXXX for not accepting it. This could have had an adverse affect against my credit standing, as I have had other problems with this bank which has potentially compromised my credit history ( previous complaints also filed with the CFPB ) never really receiving satisfactory answers. They just rehash and rehash the mechanics of the incidents, without really giving an adequate explanation as to why they take the action they take without proper and timely disclosure/notification. So here we go again .... I have very little confidence with this bank. I would like to know what happened to my check.

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 03/24/2017 about Mortgage (FHA mortgage) with LoanCare, LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I recently contacted XXXX approximately on or about XX/XX/XXXX to request an affordable Home Modification Plan as a result of circumstantial medical hardship. XXXX approved/granted me a Trial Modification Plan on or about XXXX. Trial Modification period was for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Surprisingly, in the middle of the Trial Modification Process, the new Bank, LoanCare made contact with me by letter on or about XX/XX/XXXX to inform me that my mortgage loan had been transferred. Confused, I contacted the bank, LoanCare with questions and concerns regarding the security of my home, Trial Modification Payments, and contract agreements I previously had with XXXX. Upon receiving the confusing news of my loan transfer, I had already submitted XX/XX/XXXX and XX/XX/XXXX payment to XXXX. I was informed by LoanCare Representative, XXXX ( XXXX ) on XX/XX/XXXX, to submit the final Trial Modification Payment to the new financial loan servicer. The Rep. also indicated to continue submitting new monthly payments until further notice. I never received any further notices, until I received a letter dated XX/XX/XXXX ; informing me that they were no longer honoring the Trial Modification agreement. And, that LoanCare would be making every attempt to foreclose if I did not satisfy 2 years of mortgage debt, which was the time-frame of my hardship. 

I also received an email from LoanCare Rep, XXXX on XXXX, citing erroneously of not finding or receiving my last and final Trial Modification payment in their system. 

I am very disappointed and stressfully concerned with the possibility of losing my home as a result of LoanCare 's unfair mortgage practices regarding the process of my approved trial modification plan. I feel that this large financial institution is taking advantage of an unsophisticated consumer such as myself, by engaging in unfair and/or deceptive conduct during my Trial Modification Process. I feel the cost of a mortgage is substantially more than the benefit the borrower receives from the loan. I am in need of urgent assistance from this agency to resolve this issue fairly.

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 04/24/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On  XXXX / XXXX / XXXX  I sent a certified letter to   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  FL  XXXX  regardin g one   XXXX   XXXX   XXXX  account (  XXXX  ) for  XXXX  $ to validate the the debt and all information regarding the debt, they never answer my certified letter but they are keeping the false information in the credit bureau.   Beside of th at I want to inform that the same debt was already dispute with Southwest Credit and fully de leted on  XXXX / XXXX / XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Credit Inquiries were made on all three credit bureaus without my authorization I would like this removed asap as this incorrect and affecting my chances of obtaining a home with a decent rate.

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 02-07-2018 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (MI).
Issue: Closing on a mortgage

Complaint: We had a second mortgage from XXXX XXXX XXXX which was sold to XXXX XXXX  on XX/XX/XXXX. We were in Chapter XXXX at the time which was discharged on XX/XX/XXXX. The second mortgage was cleared than. We have been dealing with XXXX loan mgt since XX/XX/XXXX to get a deed in lieu. Now they say that we need a release from XXXX XXXX to continue the process but XXXX XXXX has gone out of business and I can not obtain a release of lien from them. Absolutely no one can/will help resolve this and both XXXX and XXXX are saying that only XXXX can. There is no one at XXXX to deal with since the loan was sold. All we want to do was sign over the house to Rushmore loan mgt ( who is handling everything for XXXX ), we are completely frustrated over this and do not know where else to go. We have been dealing with XXXX XXXX at Rushmore, phone number ( XXXX ) XXXX, XXXX XXXX ( representing XXXX  ) ( XXXX ) XXXX and XXXX XXXX ( XXXX ) XXXX. All we would like to know is how to resolve getting a lien removed from this secondary loan so that the deed in lieu can move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ConServe (MN).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Have these places, things, and address that I've never lived, credited, or worked. Phone numbers I never had Things never Applied for : XXXX XXXX XXXX XXXX   XXXX XXXX Conserve XXXX XXXX XXXX   Tribute Address never lived : XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX  MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Telephone number never Had : XXXX XXXX XXXX XXXX Last name changed to XXXX ( maiden ) 2011 So would like to file a Dispute Please!!!

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Payday loan () with Ad Astra Recovery Services Inc (TX).
Issue: Received a loan I didn't apply for

Complaint: There was a loan placed on my credit reports stating that that i owe a company named XXXX XXXX XXXX for the amount of {$1300.00}. I attempt several times calling XXXX XXXX but could not ever get to representative. I finally spoke to a representative from a collection agency named AD ASTRA Recovery and they stated i needed to pay the amount above or else, I explained to them that i was a victim of a hate crime/Identity theft and the person/persons responsible had used my information in other accounts. I explained to them that i am XXXX and i am on a limited income and can not afford to pay a loan i did not take out.They told me the default loan would continue to damage my credit until i paid the balance in full which my XXXX income will not allow me to.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MD).
Issue: Account opening, closing, or management

Complaint: Wells Fargo opened a fraudulent account in my name and charged me fees for it. They have also shut down accounts i have in good standing for years because of one missed payment in which i was investigating due to the fraudulent account. I would like to have these accounts in good standing ( non usable ) at a lower interest rate due to the fraudulent account. If they are closed as derogatory this will affect my credit and since i am in the business of XXXX this will have a great affect on my career.

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 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: This is a formal complaint against them. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they 're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I 've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Checking or savings account (Checking account) with M&T BANK CORPORATION (PA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: M & T Bank used overdraft link to credit card for two debit card transactions (  XX/XX/XXXX  and  XX/XX/XXXX  ) that were placed on hold and never processed as complete. The account was never at a negative balance, but transfers and fees occurred. As a result, we were charged fees for the utilization of linked OD protection on our credit card. Even though the on hold items never processed, when the holds dropped, the OD charges to the card ( and associated fees ) did not. They should have been reversed when the debit holds dropped and this is a clear violation of UDAAP.

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