milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/21/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen has done XXXX things I would like reviewed. However, I did agree to XXXX of them. The following are my complaints:1 ) Credit Reporting - Ocwen promised, verbally, that negative reporting information would be removed from my credit reports. They cleared up a portion, but they are still reporting several months as 180 days delinquent. 
2 ) Foreclosure Fees - Ocwen promised, verbally, that they were waiving the foreclosure fees. They have not and it is more than {$3400.00}. 
3 ) Interest Rate - Ocwen offered and I accepted 4.25 %. This rate is still too high and I have requested multiple times that Ocwen reduce the rate to 2.0 %.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Since my last complaint, number XXXX, The XXXX at Ocwen have started collection efforts in the form of harassing phone calls to collect my XXXX XXXX payment which was received by them on XXXX XXXX and immediately misappropriated. I have called them and they claim that they have corrected the problem, but my account page on their web site STILL shows the XX/XX/XXXX payment plus late charges due. They have NEVER DONE WHAT THEY SAID THEY WOULD DO ON THE PHONE. They blame their " system '' but I pointed out to them that there 's a human somewhere who owns and operates their " system '' AND THAT PERSON IS NOT DOING THEIR JOB. I am deeply concerned that Ocwen is mismanaging my money and my mortgage, and I do not want to get screwed when someone takes off with all the money.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Millennium Credit Consultants Inc. (MN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This company fails to respond to me on inaccurate items on my credit report. Listed as in collections. 
I am writing to have a debt removed from my credit report as I believe the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts has been violated. I have emailed, called and wrote numerous letters without response or verification of this debt. Please remove this debt as it is only listed on my XXXX credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Mortgage (FHA mortgage) with PNC Bank N.A. (IL).
Issue: Trouble during payment process

Complaint: Hello, I was issued a check from the CFPB on behalf of a complaint filed against National City Bank on  XXXX   XXXX ,  2015 a  nd the  check has now expired. I would like to have this check re-issued to me. I have the check and it has not been cashed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: XXXX XXXX Has been reporting a late payment on my XXXX and Experian credit reports dated XX/XX/XXXX. They are not reporting late on Equifax. I never paid this account late, I tried contacting them on over XX/XX/XXXX occasions by mail, both regular mail and certified, and by phone. They never responded to me by mail with anything at all. By phone they told me that they can not help me and that I must contact them by mail which I did many times with no responses. When I disputed with credit bureaus they do nothing but verify the late payment with no justification. I know for a fact that I never paid this account late because I was paying with autopay and checking it monthly. They are negatively affecting my credit which is preventing me from acquiring business loans and certain balance transfer cards that I need to save money on interest for my other cards.

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 04/14/2015 about Mortgage (Home equity loan or line of credit) with PNC Bank N.A. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have a XXXX mortgage on my principal residence for {$130000.00} originated in XX/XX/XXXX by XXXX XXXX mortgage as an interest-only loan with a 10.25 % interest rate. XXXX XXXX was purchased by PNC Bank in XX/XX/XXXX and they have been the servicer of my loan since then. I am not currently in a hardship but am unable to refinance my loan because there is approximately {$120000.00} in negative equity in my house. I have spoken with every department within PNC and noone is willing help. My monthly interest-only payment is {$1100.00}. I have paid a little more than {$100000.00} in interest as of now and still owe {$130000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: The collector served court notification papers to a family member who is not me and was unaware of what was even happening. I contacted an attorney to represent me and the attorney communicated with the collector 's attorneys ( I have email records ) and reached an agreement to not pursue the case. I recently found out that the collector still proceeded with the case in court and received a judgement without either my attorney or myself present.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i been dealing with this company not blocking fraudulent accounts and public records from my file for the past almost 3 years as i been going through identity theft. i have sent them countless numbers of official police reports and i also have attached a copy of my FTC fraud identity affidavit which includes every company that i know of that someone used to steal my identity i cant even move forward in my mortgage process for my family because they are also reporting XXXX public records that was filed in error under my name. It 's XXXX bankruptcies XXXX from XXXX and XXXX from XXXX those need to be removed permanently immediately. i have only filed bankruptcy XXXX time which is in XXXX of XXXX. All these errors on my credit report is stressful and depressing and me and my lawyer is thinking of filing a lawsuit for emotional distress due to all this untrue information on my file. it 's hard to even live or get a job with all this identity theft. I demand that all accounts and public records be blocked immediately or i will proceed with the lawsuit against this company in the amount of XXXX XXXX dollars. i have disputed all these items several times and nothing has been done. I have never had a phone account with XXXX never filed bankruptcy in XXXX or XXXX those are filed in error under my name. i have attached a copy of all the information that this company asked for and told me that all this information including the public records would be blocked. I do n't see how they are investigating these items when the companies that im disputing are sending me letters saying they are removing these items but this company still wo n't update my report and let me live a regular life it 's very frustrating and they are breaking federal laws in the process while hurting me and my family.

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 05-10-2017 about Mortgage (VA mortgage) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: I and my short sale negotiator, has been trying to work with baview loan LLC, for over a year now. I was approved for the short sale, to prevent foreclosure. But it has been very difficult dealing with the asset manger,  XXXX   XXXX . Below I ATTACHED an email thread from my realtor, the conversation he has had with  XXXX   XXXX , we have found a buyer, also the contact has been signed. The expected closing date  XXXX / XXXX / 2017 , I received a letter from bayview  XXXX   XXXX ,  2017 . The letter was dated  XXXX   XXXX ,    2017  stating I was denied a short sale, due to timing and they do n't have enough time to process the paper work. I have been trying to reach out, I was told they dont know who I am, also I 'm not authorized to speak with  XXXX   XXXX . Which is very strAnge because I was sent letter, also i have spoken with  XXXX   XXXX  on several occasions. They sent a letter 15 days after they summited to foreclosure. Which doesnt make since, if we have gotten an appraisal on the home, found buyers, they have excepted the offer and all parties have agreed to the terms. Including  XXXX   XXXX   XXXX   (  asset manger ) at Bayview loan LLC. After the letter there have been several attempts to contact  XXXX   XXXX   XXXX , via phone and email. Several voice mails. Also we have reached out to customer service, to seek help or some type of answers. On why was a foreclosure sale has been in place. We have been doing everything we can to work with  XXXX   XXXX   XXXX , but it has been no success. My loan is a Va loan.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Using a debit or ATM card

Complaint: The bank charged a fee for me to check my balance on another bank 's ATM. This is ridiculous and I have never seen this fee for doing this before.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/27/2015 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: This may be happening to many people using all XXXX of the websites. Same thing happened last time I tried over a year ago. The company gives you XXXX chance to view your *Free Report*. Instead of providing it in a .pdf file with all details for download, they provide an html version, requiring multiple clicks to view portions. They seem to purposely designing these pages to result in the page often crashing. Attempts to return, no longer give you access, since they already gave you that chance. They are satisfying the law, without really providing the information required, in this manner. This results in the user having to pay, to really see what is required for them to provide freely.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (SC).
Issue: Loan servicing, payments, escrow account

Complaint: It 's quite simple. I held a junior mortgage secured by a residence where the borrowers ( XXXX and XXXX XXXX ) voluntarily said they could no longer make payments. With their consent and support, I foreclosed and was given a deed by the XXXX, but of course it was subject to the First Mortgage serviced by Green Tree Mortgage. Both myself and my attorney have been trying to get a payoff letter from Green Tree since XXXX XXXX. We have sent numerous e-mails, letters and left voice mails. We have contacted the attorney for Green Tree who is handling their foreclosure proceedings. We have indicated our desire for a payoff letter and our intent to wire transfer the full amount the same day we receive the payoff letter. That attorney, and Green Tree refuse to respond. Every day they hold on to their mortgage costs me money. Furthermore, they will obviously refuse to release them mortgage until they are paid in full, so I am obligated to pay for their " expenses '' of foreclosure including their attorney 's fees. So every day that goes by, my pay-off will be larger due to both accruing interest and their attorney & collection expenses. I believe this is nothing short of extortion. Their claim is that they can not provide me a payoff because I am not the borrower and there is a " privacy '' issue. But attorneys call mortgage companies every single day to obtain " payoff letters '' when an individual simply wants to refinance their note with another institution. This is no different. I simply want to pay them off, in full, as quickly as possible. 
I have intentionally omitted all names and personally identifiable information. But if you contact me, I would be happy to provide it in a secure manner so that you can help me. Please help!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold to Greentree last XXXX after 2 months with them I was told I had a {$1700.00} escrow shortage 2 months after that they told me my payment would be increased again because now I had a {$1500.00} shortage last month I get another escrow analysis and now they want another {$2000.00} so in XXXX and a half years I owe them over {$5000.00} in escrow shortage my property taxes are {$4600.00} .Nobody in thier so called customer service seem to know anything I do n't know what they are doing with my escrow payments but something is n't right this place is a nightmare.I see ditech has taken but the damage is done and I dought they are going to be any better since that are really the same company. I do n't know where to go to get help with this and get honest answers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Billing disputes

Complaint: Please open a new case for submission number XXXX. 
Bank of America 's representative, XXXX has made no attempt to contact me and will not return the three messages that I have left. 
A certified copy of the power of attorney form ( see attached ) allowing me to speak to Bank of America was sent by our attorney, yet bank of America refuses to talk to me to get this issue resolved. 
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 monetary relief
Consumer complaint received 07-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There 's XXXX judgements that are supposed to be remove, it was vacated and resolved in XX/XX/XXXX, and XX/XX/XXXX, it was investigated and found paid for. The judgments should not be in my credit report. It 's even posted in my report. Also the fact that I 'm still located at the current address it 's also proof of payment been made.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Debt collection (I do not know) with Riverwalk Financial Corporation (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My husband and I ( We are elderly, both XXXX, and often the victim of scams ) keep getting letters from Deville Asset Management LTD that they owe XXXX that does not explain what it 's for, but demanding payment. We have no idea what it is but are very concerned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (UT).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I contacted Equifax by computer and found that my identity information had probably been compromised. This was confirmed by my XXXX having several eroneous charges. I canceled my XXXX and froze the credit report sights. When I tried to contact Equifax for documentation of my Identity being compromised they directed me to a sight that was for enrollment. They would not even give me the phone number to contact equifax customer relations. This happened on XXXX XXXX,2017

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contact XXXX XXXX to let them know this account was open by someone else I even send them identity theft document that i report to identitytheft.gov i request document from them and gave them 30 day to reposed and didnt get no document from them

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Credit card () with CITIBANK, N.A. (LA).
Issue: Credit card protection / Debt protection

Complaint: I am writing this complaint because of unfair business practices, concerning my Sears/Citibank Master Card, I have been paying my credit card faithfully every month without ever being late, I am paying more than the {$25.00} dollar amount due each month, sometimes I pay bi weekly because I am trying to pay off balance quickly, However ; I have been noticing each month the amount that I owe goes up each month and not down, I called a CSR on XX/XX/XXXX and was told, I stilled owed {$170.00} on a exercise bench that I purchase on XX/XX/XXXX. This is not true I have paid off this card twice and no one ever told me I owe any other balances and no one has ever sent me a another bill stating this. I have asked for proof that I owe this and they refused to send me a copy showing this balance unpaid. Since I make payments from {$50.00} to {$100.00} a month. I know for a fact I do n't owe this balances, I purchase this bench with my credit card and there should not be any other charges. Then a rep tells me I owe a promotional fee in which I never heard of, I feel as though someone in their company is trying to run a scam, will you please help me get to the bottom of this situation. I went on The Sears Website last night XX/XX/XXXX and did n't see where I owed anything else. Someone is putting additional charges on my card each month and I know this is unfair business practices and illegal.

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 10-07-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Chase has caused so many delays for me getting the repairs of my home done. Last complaint I filed with CFPB Chase said when the 75 % inspection was complete the next installment of fund for repairs would be sent. The 75 % inspection report was complete on XXXX Chase 's policy is that funds will be send 4 business days. XXXX XXXX was the 4 business days and as of today XXXX XXXX no payment has been sent. I did ask all correspondence to be in writing from Chase I have emailed them asking when the funds will be send since the 75 % inspection has been completed and my contractor is waiting on funds. Chase replied to my last complaint they would send out fund - but they do n't do what they state they will do.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Account reporting is inaccurate. Indicates 90+ days late up to XX/XX/XXXX ... However, at the same time, it shows status of " Paid Charge off '' with last activity XX/XX/XXXX. 

If that last activity was a charge off in XX/XX/XXXX, then how was I 90+ days late in XX/XX/XXXX I haven't had this account in many years and the balance has been paid since XX/XX/XXXX. 

There are also inconsistencies. Between bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-05-2018 about Money transfer, virtual currency, or money service (Check cashing service) with U.S. BANCORP (CA).
Issue: Unexpected or other fees

Complaint: My new tenant paid with a US Bank ck ... I took it to US Bank ... I was asked for two forms of ID which I presented ... I was told I would have to pay {$7.00} ... and then they requested a right thumb print ... when I asked for a receipt they refused to give me one ... I have rights ... I have to account for my expenses with the IRS ... I have a right to off-set my income with expenses and need a receipt for the expenses to do this ...

I believe the bank in charging me {$7.00} to cash one of their customers checks owes me a legal receipt ... otherwise what expense is the {$7.00} charge covering ... and how are they accounting for the income ...

personally I do n't understand why I have to pay to collect funds from their customer who wrote me a ( promised ) check ... my relationship is not with their bank I think all this ID is overkill and an infringement on my privacy but when they charge $ to cash a check they 're not just a bank they are a 'check cashing service I go to the tenants ' bank to avoid insufficient funds charges and avoid a bad relationship with my bank ...

I believe I have either a right to a receipt or better yet a refund.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Debt collection (I do not know) with Debt Recovery Solutions, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I just became aware of an account that was added to my credit report. I have no knowledge of this account. I never received any correspondence from this company stating that I owe any money.

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