milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-09-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (KS).
Issue: Loan servicing, payments, escrow account

Complaint: I had and account with XXXX XXXX that was transferred to Green Tree. Since the transfer in XX/XX/XXXX, Green Tree has used unfair tactics to harass me. A day after I am late for a payment they call none stop from the beginning of the morning until late at night until the payment is made. At the end of XX/XX/2015, they left a message on my ex-husbands voicemail at this home. The message stated that they were taking me to court. They provided him with details of my account and provided him with a bogus court hearing number. They also left a threat on his voicemail stating they were coming to my job or house to serve me with a lawsuit. On XX/XX/XXXX, Green Tree sent a letter apologizing for an error on a bill sent on XXXX/XXXX/15 erroneously included information that I was in default. As a result, I have been receiving calls from other lenders asking if I was in default. This error was reported on my credit report and corrections must be made to my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-01-2017 about Debt collection (Medical) with Ray Klein, Inc. (OR).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: A collection agency is reporting on my credit. I attempted to contact them via physical mail regarding this issue without response. I would like to verify this debt is legitimate & if so, agree on a settlement

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 03-03-2017 about Debt collection (Medical) with Pendrick Capital Partners Holding, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Phone number XXXX identifying themselves as https : //affiliateas.com/ Called me on XX/XX/XXXX demanding personal information to collect an alleged debt that was paid at the time of service in XX/XX/XXXX. Refused to send me written notice of the debt and demanded date of birth to even discuss any aspect of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Mortgage (Conventional fixed mortgage) with ALLEN TATE MORTGAGE SERVICES (SC).
Issue: Application, originator, mortgage broker

Complaint: I started the pre-approval process with XXXX XXXX at Allen Tate in XXXX XXXX, SC nearly 2 months ago. I submitted paperwork he requested. He then said he needed more paperwork. I submitted the paperworkwork again. He then asked for more paperwork, which seemed to be redundant. Today, he said he left a VM saying he would no longer be working with me, basically dropping me after submitting all this information. He directed me to the underwriter, who I have called twice with no response. Starting all over will mean my credit score will be lower causing an increase in rate, also I am not sure about his experience as he said he was mistaken about documentation for different loan. Overall, I feel ' hung out to dry ' by my experience and do n't know how to resolve this.

Company response to consumer: Untimely response
Consumer complaint received 06-06-2017 about Debt collection (Private student loan debt) with Ability Recovery Services, LLC (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Based on the information that was sent to me b y Ability Recovery Services, t he date of first delinquency was indicated as  XXXX   XXXX ,  XXXX . But the documentation sent and an email from the original collector indicates the date of delinquency in  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The XXXX account XXXX on my credit report should be reporting as " paid '' on my credit report according to XXXX. XXXX informed me this is an issue I need to resolve with the credit bureau directly. XXXX and XXXX are both reporting it correctly. Equifax is reporting as " derogatory ''.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was told by XXXX that the Credit Bureau has to remove negative information. 

There is an open XXXX account that does not belong to me. Recently, negative information re a {$29.00}. Past due amount was posted.

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 04/28/2017 about Debt collection (I do not know) with Blakely-Witt and Associates, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: ON  XXXX   XXXX ,  2017 . A collection was placed on my   XXXX   credit report b y Blake Witt and Associated for the amount of {$1800.00}. I was never notified that 's it was in collections nor so I even know the collector. By law I am supposed to be not ified that 's something will enter my credit report. I was not. I attempted to call and have written a  Debt Validation to t he collector. This has caused a hardship with my finances and credit as I am in the process of buying a home. Please remove the collection immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 've disputed several accounts with Equifax as fraud. I even sent a request via mail and never gotten resolution. Equifax fails to accurately verify the accounts. Several accounts are fraudulent and upon contacting the creditors they all stated that the address and social security does n't match. The following accounts are fraud : 1.XXXX XXXX Account # XXXX 2.XXXX  Account # XXXX 3.XXXX Account # XXXX 4.XXXX XXXX Account # XXXX 5.XXXX XXXX  Account # XXXX 6. XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I HAVE CONTACTED XXXX XXXX TO INFORMED THEM THAT THEY ARE VIOLATING THE CREDIT REPORTING ACT BY REPORTING MY ACCOUNT WITH THEM AS CHARGE OFF WITH A BALANCE OF {$120.00}. THEY SOLD THIS ACCOUNT TO XXXX XXXX AND THE ACCOUNT WAS PAID IN FULL. THEY SHOULD NOT REPORT THIS ACCOUNT SINCE THEY SOLD THIS ACCOUNT TO A COLLECTION AGENCY. THE FEDERAL TRADE COMMISSION IS CLEAR IN THEIR OPINION IN THE GUIDELINES FOR POLICIES AND PROCEDURES. PREVENT RE-AGING INACCURATELY CHANGING THE DATE OF FIRST DELINQUENCY ON A COSUMER 'S ACCOUNT TO A LATER DATE AND DUPLICATIVE REPORTING, PARTICULARLY FOLLOWING ACQUISITIONS OR SALES, MERGERS AND OTHER TRANSFERS. THE FCRA PROVIDES FOR MAXIMUM PENALTIES OF {$3800.00} PER VIOLATION.

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 06-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I am tired of trying to fix problems with Navient f/k/a XXXX XXXX. I have spent cumulative weeks on the phone with their customer service over the last 8 years. Most of whom do n't even understand you because they do n't speak XXXX. And when you finally get through to them they ca n't help you because they are n't authorized. Enough is enough. <P/>Recently I noticed that I have the same {$6.00} unpaid fee appearing on my monthly statements. I pay the amount every month, and it never goes away. The statement does n't explain what the fee is for. But I keep getting charged over and over. It never disappears. From XXXX 2016-current ( the only statements available online ), that adds up in 8 months to over {$50.00}. For something that should have been {$6.00} and that I do n't even know what its for.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: Regarding : Citi XXXX XXXX Bonus Bonus Details : XXXX XXXX Points after spending {$7500.00} within three months Problem Description : Card was received with a statement which reads : " Our records show that you are not eligible for the bonus based on a recent opening or closure of your Citi card ( s ). '' Upon calling Citi ( XXXX/XXXX/XXXX XXXX XXXX Duration : XXXX ) today to understand the issue, I was told that I likely had a card within the last 24 months which invalidated the offer. I informed the representative that I have never before had a XXXX card. He further checked and said that I had a different XXXX card which was closed in XXXX. The card which I had closed was different to the Prestige card but I was told that I was likely not allowed the bonus because it was within 24 months and within the same " family '' of cards. I then asked where on the application that information was as I have a print out of the application which I completed online and see no text describing that. The person assisting me spend quite a bit of time trying to find the text which stated that and then eventually had to put me on hold to further investigate. Eventually he was able to come back with text which another individual found on an application which stated the original reason described. The text apparently greatly differed from the offer which I read to the representative which made no such statement. He informed me that the offer was not available to me because of this text. I again stated that it was not the offer with which I had applied but he stated there was nothing he could do about that. I also informed him that when I had called in originally to check on the application ( XXXX/XXXX/XXXX XXXX XXXX Duration : XXXX ) the representative made a point of confirming with me that I would need to spend the {$7500.00} within the first three months to be eligible for the bonus of XXXX XXXX points. He apologized for me receiving bad information but stated that he could do nothing about that. 
Issue : The application, which I printed, makes no mention of the exclusion which the representative from the XXXX call quoted. The simple statement the second representative made that the first was wrong does in no way make what I was told incorrect or invalid. I was speaking to a representative of Citi in my first call and she clearly stated the details of my bonus offer. She even went so far as to put me on hold while she handled the application with, as she stated, an underwriter and never once made a statement that I would not be eligible for the offer.

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 01/22/2016 about Debt collection (Medical) with HOVG, LLC (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was contacted by a couple different collection agencies. Unfortunately I was not aware of the difference at the time because the representatives who contacted me spoke in a mumbled voice and had heavy accents. Bay Area Credit Service stated that I owed them {$2000.00} on XXXX/XXXX/XXXX. I spoke to them on the phone several times however we did not reach an agreement for the settlement. I continued to be contacted, unaware of the new agency, and continued to try to settle. At this time I was being contacted by XXXX who started to contact me on XXXX/XXXX/XXXX in reference to the same account number. Finally on XXXX/XXXX/XXXX I reached a settlement with Bay Area Credit Services to pay my account number XXXX. I received a paid in full receipt and the agreement in writing. The original debt was still the " XXXX XXXX XXXX '' debt I was talking to them about this whole time. Well when I check my credit report I was sent to collections by " Credence '' for the XXXX debt which I thought I had settle earlier that month. Bay Area told me specifically that I was paying my debt from the " XXXX XXXX XXXX '' in full with them in the amount agreed upon. I did not know that part of the debt had been forwarded elsewhere, and they tricked me into believing that I was cleared out this debt in full. Had I known this I would of continued to try to settle the debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Closing/Cancelling account

Complaint: I have a credit card with Bank of America, which was closed in XXXX/XXXX/08 with settlement. But now it still shows are maximum delinquency of {$1200.00}. Please help to investigate and remove the delinquent amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Advertising and marketing

Complaint: I am a user of a Chase Sapphire Preferred credit card which awards points based on purchases which can be later redeemed for airplane tickets or hotel stays. To redeem the award points, you contact the Ultimate Rewards Department and request your specific travel award. Chase then informs you of the cost of the ticket for the award to be redeemed. Chase does not inform you that the prices it is quoting may be non-competitive compared to purchasing the same ticket through a travel company or using a different credit card service. The earning of the travel points is the inducement to use the card credit but there is no disclosure that when you redeem you will be offered an uncompetitive price. This evening Chase quoted the lowest fare for the flight requested at {$150.00} but the same flight was offered at the same time on XXXX at {$55.00}. When i complained the response was that they do not have disclose that their fares may be uncompetitive - it was not part of their " marketing '' to disclosure the drawbacks of their program. If asked, they will disclose fares may not be competitive but only if asked. This is deceitful.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Hello ; I received a notification from Enhanced Recovery Company LLC for a delinquent account that is not mine. I am disputing the debt however, I undesrtand that ERC does not respond with nonverification of the debt and pursues to have the the debt posted to on one 's credit line.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/26/2018 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (PA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: This has been an ongoing thing since XX/XX/XXXX when I split up with my now ex-husband XXXX XXXX XXXX he stoled my safe with my social security card ID passport and IDs passports and social security card and birth certificates of my children as well as myself then. In XX/XX/XXXX my purse was stolen that was my second identity theft but those people were caught and prosecuted then my Third identity theft XXXX XXXX found me again in XXXX Pennsylvania back in XX/XX/XXXX broke into my apartment and wrecked it to steal my identity again and now this is the fourth police report from Identity Theft just this XX/XX/XXXX so someone oviously has it out to destroy me. I need my number changed but social security refuses to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (MD).
Issue: Application, originator, mortgage broker

Complaint: I applied to refi an existing loan in early XXXX. I submitted all the forms and paperwork promptly. Since then the bank is apparently losing my paperwork because they have asked me for the same documentation three times. I have left messages and sent emails and received no response and had to escalate to the mortgage banker 's boss who simply referred me back to the original person who was not getting back to me. A few weeks ago my file was referred to a processor who said my file was not exactly in order and he would help me move this forward. He gave me a list of documentation the bank needed. I went over the list with him and referred him to the emails and dates I had supplied the documentation to my previous contact. He asked me to sign the same IRS form I had previously signed which had been filled out by his company incorrectly. I offered to send more documentation and he said no, we needed to wait for the transcripts from the IRS. Today, I received an email from him asking for yet more information, most of it already supplied. A key point in this situation is that I am a current customer of this lender, I am refinancing less than XXXX the appraised value of the house, my annual income is equal to the value of the house, I have virtually no debt and a XXXX score of XXXX. This refi should be simple but it has been nothing but a series of frustrations since early XXXX. We are now into 90 days and I am concerned my locked in rate will be gone. It appears that I am lost in the shuffle of paper throughout a huge bureaucracy that has very little concern for customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: We applied for a mortgage modification and were approved for a XXXX modification, but the payments are much higher than the original payments. When we reviewed the modification offer with Greentree, who is the servicer, our gross income, which consists of only XXXX income from Social Security and my husband 's pension, was significantly higher than the actual gross. The servicer said they " gross up '' the income by adding 25 % of the non-taxable income to the actual gross income, which in our case was more than {$500.00} than we actually receive. My attorney reviewed the XXXX guidelines and the " gross up '' is in their Selling Guide, but not in their Servicing Guide. When we asked Greentree if they would provide a citation to the section or provide the actual documentation they refused and said they were not allowed to do this. This violates the XXXX guidelines because the modification is not 31 % of our gross income, but 31 % of a fictitious income.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was a customer of XXXX from XX/XX/XXXX-XX/XX/XXXX. I had a single line, with no data plan. At that time they did not give away phones or let you buy them on payment plans. There is no way that they would allow someone to be over {$600.00} past due without shutting off their service! I have also never recevied any type of correspondence from XXXX stating that I owed any money, I also have never been contacted by a collector about owing XXXX money.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CO).
Issue: Managing the loan or lease

Complaint: I have a 20 year RV loan with Santander Consumer USA. This loan was sold to Santander when the finance company XXXX went out of business. I have now been paying on the loan for 10 years. In XXXX 2016 I decided to start the process of getting the loan paid off early by paying extra on the principle. So I have been sending in an extra payment by mail clearly marked " principle only '', but to my dismay Santander applies each extra payment automatically to interest. If I had not checked online each time none of my extra payments would be credited to principle. Just to note - my loan is paid up a month in advance. As of today, Santander has now corrected the first XXXX extra principle payments but not the third XXXX. Each time I have had to make MULITPLE calls with an " agent '' to get the payment paid to principle. Each time I have asked the " agent '' how to avoid this hassle in the future but do not get a definitive answer. 
As of today - I have made multi calls to get my third extra " principle payment '' applied to principle only - I made this payment on the XXXX of XXXX and it has still not been credited to principle only. When I called today it took multi calls to get through to an " Agent '' and the " chat person '' would not answer any questions except to direct me to call the number that I was already using. This is becoming very, very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Debt collection (Medical debt) with Credit Collections U.S.A., L.L.C. (WV).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I checked my  XXXX ,  XXXX , and  XXXX  credit reports and seen that I have collections from  Credit Collections and  I submitted a investigation on the accounts. I was sent itemized bills from the collections agency and it had what I got done on them. Showing the amounts and all but then I seen that they did not bill both my insurance or my husbands. I called them and ask them to look it up and they said they could not. I called both insurance company 's. My insurance is looking into it because the account is an old account and I no longer have insurance with them. I then called my husband insurance and they said they did not pay because they requested EOB from the hospital and they never sent it to them. I have paid a few of the accounts but it was before I looked into it further. I do n't know if I paid them what was really needed to be paid becuase of the mistakes I found on there part.

Company response to consumer: Untimely response
Consumer complaint received 03/18/2017 about Credit reporting () with EQUIFAX, INC. (DE).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My credit report shows payments were missed for over 90 days when this loan was paid off months before that. I have disputed this and nothing has been done thru equifax. On the other hand XXXX has fixed my situation. How is it possible to show a credit of over XXXX with one company but then show XXXX with the other. Not sure what else to do!

Company response to consumer: Closed with explanation