milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/31/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Six years ago due to financial difficulty we had to file personal bankruptcy. A repayment plan was established by the court, and we made monthly payments to the Trustee as required. At the same time, we stayed current with our monthly mortgage payments, which were made directly to the bank, and not as part of our payment to the Trustee. 
We completed bankruptcy 8 months ago, and had advised our mortgage holder of this repeatedly, requesting to be removed out of the bankruptcy department in order to receive regular statements reflecting payment due, mortgage payment breakdown in interest and principal, principal balance etc..We were deprived of this information while in bankruptcy having been told we would not receive any statements, as this was a customary bankruptcy procedure from the bank. Upon completion of the bankruptcy program, and with formal discharge from the Trustee, we tried to get out account reinstated to " regular '' statements, but were put off for months by the bank with excuses, such as " we have to confirm it ourselves '', " it should take 2 more weeks '', " we have to escalate it, we do n't know what 's taking so long, we have received all the necessary forms, its just a matter of getting the loan processors to update your account and release your account form bankruptcy '', " your account has to be updated, you made some extra payments which are held in a different account, and the loan processor has to apply them to your principal balance, we are escalating this matter again '' ETC ... .After 8 months we finally were taken out of bankruptcy and received our first " regular '' statement, but upon reviewing it, we found a complete mess..The payments we made were only partially applied to interest and principal balances, some of the funds having vanished without any credit/posting to the account. Also there are additional untitled fees that the representatives have no explanation for. 
Having been 'reinstated '', and out of bankruptcy, at least our latest payment should have been distributed into principal and interest, and clearly reflected/posted to our account. But out of a payment of {$1000.00} only {$980.00} distributed to principal and interest, the rest having vanished without explanation or understanding from even their representatives. The only assurance I got from them is " we will escalate this matter, and get an explanation as to what is happening with your payments, but your account is Current at this time ''. However many of these issues have been going on for months now, without any resolution and at this point we have lost confidence in their ability to correctly and ethically service our mortgage loan.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have both federal and non-federal student loans with Navient. They have taken triple the amount out of my direct deposit account than I signed up for multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a bankruptcy listed on my files. There was no bankruptcy ever filed it was dismissed. Both my lawyer and I have notified in writing submitting proof of the dismissal to all the creditReport bureaus ... yet they continue to report I have a bankruptcy. This is simply not trueMy case number for the dismissal is XXXX filed XXXX/XXXX/2015. It is signed by judge XXXX XXXX XXXX in XXXX, Va. Please help removing this as my credit is destroyed because of this erroneous report.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Debt collection (Credit card debt) with National Principal Group, LLC (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: In XX/XX/XXXX I paid off a debt to XXXX XXXX XXXX that originated with XXXX XXXX for a XXXX Credit card. The Balance that was due was XXXX, I set up an arrangement with the creditor to automatically deduct {$220.00} from my account on XX/XX/XXXX and another {$220.00} on XX/XX/XXXX to pay of balance and fees that were included. Recently I began to receive collection calls regarding this debt from XXXX but they are saying that the original creditor is XXXX, I explained to the rep that I no longer owe the debt and that it was paid through another collection agency. I recently sent a letter including proof of payment to XXXX but they are continuing to say that I owe the debt. I tried to reach out to XXXX XXXX XXXX and the phone number is disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Debt collection (Credit card) with Blatt, Hasenmiller, Leibsker & Moore, LLC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX, through the law firm of Blatt, Hasenmiller, Leibsker and Moore LL ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX ), has placed a a lien against our property in XXXX IL based on a default judgment in XX/XX/XXXX for a debt owed by a XXXX XXXX of {$3300.00}. We were not aware of the judgment until a property search was performed in XX/XX/XXXX. This is a case of mistaken identity and the judgment needs to be vacated for the following reasons : 1 ) We have never had an unpaid credit card or other loan balance with XXXX XXXX, 2 ) we have NEVER been served, so we could not respond to the charges even if they were to the wrong person ( the court claims the defendant had moved ) 3 ) she has no derogatory record on her credit report from XXXX XXXX, 4 ) she is currently a customer in good standing with a XXXX XXXX credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Debt collection (I do not know) with ZENCO COLLECTION, LLC (VT).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: XXXX / XXXX / 2017  Called by a "  XXXX   XXXX  '' who claimed to be working for an unidentified law firm calling in regards to a claim by a  XXXX   XXXX  against our property. Told her we did not know a  XXXX   XXXX , we have received none of the required paperwork and have not been legally notified and asked her to send any info to the address of record. Caller got angry, said she would also send a server and hung up.She did not give any further information. Caller ID traced back t o Zenco Collects,   XXXX .   XXXX    XXXX ,  XXXX , Texas  XXXX . Phone :  XXXX  Email :  XXXX  XXXX  XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Today I received an updated credit score on XXXX XXXX. It shows my XXXX went down by 55 points. I have been disputing an account on my XXXX credit report for months now. I have called XXXX ( waited over 1/2 hour ) on the phone because I kept getting transferred. I have explained to XXXX that this account " XXXX XXXX XXXX XXXX '' does not belong reporting on my credit report. I even sent XXXX a copy of my XXXX credit report showing that this account has been deleted and removed off my report after there investigation. I was told they are seperate companies. I do understand they are seperate company 's however the same response should have been received for my dispute. First they were reporting that this account was included in my bankruptcy. Thank you to cfpb for helping me resolve that issue as I NEVER FILED FOR BANKRUPTCY. Now XXXX XXXX XXXX XXXX is reporting this as delinquent plus each month reporting as a late payment plus charged off to a bad debt. This information is completely wrong and it should not be reporting on my credit report. I do not know where to turn to from here my only other option is to hire and attorney for false information reporting that should be removed off my report. I have sent in and uploaded proof that XXXX XXXX XXXX XXXX does not appear on my XXXX credit report and they did a thourough investigation. XXXX and experian should have received the same response.

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 04/15/2016 about Debt collection (I do not know) with JH Portfolio Debt Equities, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I sent a letter requesting validation and verification of debt XXXX XXXX and received no response from the company at all. Disputed the account with all XXXX bureaus and requested method of verification and the response they gave was that they verified the account. I still have not heard from the company at all and this is XXXX. They are still reporting the account and the bureaus are not correcting the problem. The company has greatly surpassed their allotted time to validate the 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 09/27/2017 about Debt collection (Medical debt) with Action Revenue Recovery, LLC (LA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Upon reviewing my credit report i noticed an account from action revenue recovery. First how in the world does a third party has my medical information. Second i have not been contacted AT ALL by this company. I would like to as a consumer be giving the right to dispute this account. It NEEDS to be removed IMMEDIATELY until they can prove it 's validity.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with GOLDMAN SACHS BANK USA (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I purchased my home in XXXX XXXX. In XXXX I experienced economic hardships which caused delay in mortgage payments and eventually my payments were not accepted as of XXXX XXXX. As a result, I received a letter around XXXX of XXXX for the foreclosure of my property. My mortgage was sold multiple times with XXXX being the initial lender in XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX did not give me a fair shot at a home modification. I believe I was treated unfairly with no regard to me losing my home despite of attending several mediations. The attorney for XXXX XXXX XXXX was adamant about pursuing a foreclosure. He was not willing to work with me. 

During mediation, I was given an option to apply for a home modification. My application was denied several times. They denied my first application for making too much money. They denied my second application for making too little money. They denied my third application prior to the date in which they said it was due. As a result of their denials, my case went to trial for a foreclosure judgement against me. 

My house was sold in a judicial auction for $ XXXX. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX suggested I pay $ XXXX. XXXX XXXX, XXXX are claiming to be the new owners of the property. I believe I was discriminated against at the onset of this process. I was told to submit paperwork over and over, I did and to no avail. I attended mediation with legal representation and made numerous efforts to save my home. I was gainfully employed and able to make payments. Despite all of this, they have not budged and continue to pursue foreclosure. This foreclosure process was fraudulent to begin with. The home modification suggestion offered to me was a scam to obtain more money. This has caused so much stress and health related issues. I am a working union tradesman with funds to save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Debt collection (Other debt) with ERC (MI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: REPORTING DEBT THATS NOT AUTHORIZED OR VALIDATED.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Checking or savings account (Other banking product or service) with JPMORGAN CHASE & CO. (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: OnXX/XX/XXXX I made a deposit in good faith at JP Morgan Chase, in the amount of {$25000.00}, in the form of a check. The ATM receipt indicated that the funds would be available on the XX/XX/XXXXThe holiday passed and the funds registered to my account on the XXXX, however, JP Morgan Chase, put a " hold '' on the money till the XX/XX/XXXX for a reason that no one cared to explain at Chase Bank. They keep referring me to " loss prevention, '' that office wo n't open for another few hours here. I find the hold unnecessary and biased, as I have made a deposit from the same account for {$50000.00} on XXXX. I have filed a formal complaint about the matter # XXXX, and I am using every recourse I am able to resolve this matter. I am fairly XXXX and suffer from XXXX XXXX, and it is greatly affecting my peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MN).
Issue: Account opening, closing, or management

Complaint: I received a check from a person in CA. I deposited it into my Wells Fargo Checking account and is turns out it was a fraudulent check. I was supposed to XXXX XXXX this money to a woman I thought I could trust in CA. Wells Fargo released {$1900.00} from my checking account to XXXX XXXX. Then they determined that is was indeed a bad check. I was able to cancel all further transactions and XXXX is refunding my money. 
Wells Fargo, after many years of business with them, have decided to terminate my account due to this XXXX mistake. I have never deposited, nor tried to cash any fraudulent checks in my entire life!!! I do not believe it is fair that Wells Fargo is terminating my account. Nobody is losing any money, since XXXX is indeed returning the money. Since then, my Wells Fargo account is locked and I have no online ( or any other XXXX access to my account at all. This seems a bit extreme, especially when it was Wells Fargo who allowed the money to be transferred to XXXX XXXX before the check cleared. I had absolutely no idea this check was fraudulent!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: On XXXX XXXX, XXXX I received a call from one of my banks asking if I was currently in California because someone with driver license just like mine was trying to withdraw money from my checking account. I was not in CA, so the bank stopped the transaction. After the call I immediately checked my other checking account with Bank of America and noticed that on XXXX XXXX and XXXX someone made 2 withdrawals from my checking account for a total amount {$8900.00}. I immediately called BoA and told them they were not my transactions and they initiated a dispute/claim # XXXX. I put an extra security monitoring on all of my accounts. Then I filed a formal identity theft report at FTC XXXX # XXXX XXXX, closed all of my existing checking and saving accounts, as well as credit cards. I also requested an extended 7-years credit monitoring by all three-credit agencies as a victim of identity theft. I requested a new driver license to be re-issued so it now has a new issue date and I have put a low enforcement alert on my driver license so no one can use now in an unauthorized manner. However, I have never received any correspondence from BoA that my claim is being disputed. After more than 68 days now XXXX claim was submitted on XXXX XXXX, XXXX and today is XXXX XXXX, XXXX XXXX, I have not received any resolution of the claim, not even any correspondence of a status of the claim. I have repeatedly called Fraud Department at BoA inquiring about a progress of the investigation of the claim and I was always informed that it is 'in progress ' and still unresolved but they would not allow me to speak to an investigator. I called them repeatedly and they always told me an investigator is going to call me within an hour but it never happened. I sent two formal letters on XXXX inquiring about the status of my claim to BoA headquarters in XXXX, FL as well as my local BoA branch in XXXX, IL, but I never received any response. I included my identity theft report and notice to furnishers in the letters informing BoA that they break the federal low ( claim resolution needs to be delivered within 30 days ). I never received any written confirmation from BoA about the unauthorized charges, I never received any response to my letters that I am not responsible for charges on this account. I have been a valid customer of BoA since XXXX and I have never had any problems/issues of financial nature with the bank. Other banks were able to protect my funds because they were able to recognize an attempt of identity theft. BoA has an extremely poor protection against an identity theft, yet they let their valid customers wait for months to have their stolen funds returned. This is not only scandalous, this is against the federal low.

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 01/31/2017 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (PA).
Issue: Managing the loan or lease

Complaint: I leased a XXXX Toyota Corolla from Toyota Financial Services. When the lease was close to ending in XX/XX/XXXX, I traded in my XXXX Corolla for a XXXX model. I made 2 payments to TFS ( XX/XX/XXXX and XX/XX/XXXX ) that were to be payments toward my new lease. Instead, they were credited to an excessive wear charge ( which I will argue later in this note ) and I was assessed a late fee. Even with the money being credited to the excessive wear charge, there was still a refund due to me that has not been sent or credited to my lease payments as of XX/XX/XXXX. TFS did credit the late fee back to my account. In XXXX I received about 5 phone calls a day, including calls to my work phone, from TFS demanding payment of a bill I did not owe. The only way to stop the phone calls was to make an additional payment. Customer services representatives continued to claim they never received the XXXX payment. One rep. insisted I did n't know what an e-check was and told me that it was a paper check sent by the bank. She said it must have been lost by the USPS. 

I had my credit union trace the payment and they confirmed that Toyota received and accepted the payment. On XX/XX/XXXX Toyota finally found the payment they had received on XX/XX/XXXX. They said they would credit my XXXX lease but then called back today ( XX/XX/XXXX ) to say that I still owed more money on the excess wear ( which they had previously said was paid in full in XXXX ) and that they were retaining some of the promised refund toward what was still owed. 

As for the excessive wear charges, these include a {$300.00} charge for a remote/keyless entry fob and 2nd car key. The car never had a keyless remote fob. I had previously reported to the Toyota dealer that the 2nd key they gave me never worked for my car. So, I only ever received 1 key for the car and I gave the key back to them when I turned the XXXX model.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have attached a letter of deletion from XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX which I have previously sent to Transunion and yet the collection entry still exist on my credit report with them. Please remove the collection entry. I also am diputing the different variations of my name. I am only and have only been known as XXXX XXXX XXXX. Please delete the other variations. Also, I have never ever worked at XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/14/2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (OR).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/2016 US Bank Home Mortgage received a check from me in the amount of {$99000.00} to pay off US Bank home loan # XXXX. Instead of immediately processing the payment and applying it to my account they sat on the check and it was applied to my account on XX/XX/2016. As a result they collected additional per diem interest from me in the amount of {$11.00} per day. I can understand it taking them 24-48 hours to process a payment but they allowed 4 business days to pass plus one weekend.

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