milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-04-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (VT).
Issue: Application, originator, mortgage broker

Complaint: Asked for a loan modification from XXXX XXXX XXXX XX/XX/XXXX. For six years I have hired XXXX lawyers and filed XXXX Dodd-Frank Modifications packages. I have spent over {$9000.00} in legal fees. My interest rate on the mortgage is at 8.875 %. Green Tree Mortgage Services acquired the note in XX/XX/XXXX-XX/XX/XXXX and offerred another loan modification package. This was done. Unfortunately, they chose a " Bait and Switch '' approach. Green Tree did not modify the interest. Now the interest amount totals well over {$170000.00} +/- plus the principal of {$200000.00}. Green Tree offerred a 4.125 % on the pricipal, but chose not to modify the interest amount. The house is under water and not worth the mortgage amount of XXXX. The town as a value of {$190000.00}. 
Before XXXX sold the note to Green Tree, representatives broke into the house and winterized the house without my consent. Also, XXXX representatives told tenants who were living there not to pay the rent. Nearly {$11000.00} was lost. 
It is my belief that XXXX and Green Tree do not want to modify the principal nor the interest amount. XXXX has acquired a judicial sale date, but I met the three month trail period. Because of BA duel tracking and Green Tree refusal to modify, my credit score has suffered and I am having difficulty in refinancing this loan. 
This is my e-mail address : XXXXXXXXXXXX. Thank you in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My federal student loans are aprox XXXX. I need to start repaying these loans. I currently pay {$500.00} a month in private loans, so my discretionary income is next to nothing. I have contacted resources for help arranging payments and they do not take into consideration my overall debt and I was told that it would cost me {$600.00} for these agencies to help me get a pmt of {$170.00} a month, which is still more than I can afford. I am an XXXX and if I default I could lose my job. Time is running out and I am desperate. Basically I was told that if I had children and was single and was not working full time and receiving aid from the government they would be able to make my payments next to nothing. I am being punished for trying to be a responsible productive member of society.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Seterus, Inc. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: My reason for reaching out to you is in hopes that someone can possible help our situation. Our client has been paying a trial period in a timely matter to your client beginning XXXX XXXX. The approval required for XXXX trial payments in which she did, and has continued to do so for 5 months now. Seterus advised us after the XXXX payment that the file was being reviewed and that the final modification documents should be generated and set out before the end of the month ; this was in XXXX. For 2 long ongoing months we have been trying to retain these final modification documents which we know are very time sensitive. The lender suggest that due to coding on the file the final modification documents have to first be sent XXXX and that then someone in their office was to send the documents to the client. Please not, that the borrower does NOT have any legal representation which has been stressed to the lender for months and have been accompanied by letters of explanations and so on. 

Now, if we go back just a little to the beginning of the borrower 's trial, once she was approved it took us two months to retain the borrower 's trial period documentation XXXX because the lender just simply refused to submit the documents themselves directly to the client whether it be through email, fax, or regular mail. The borrower paid her trial payments like we instructed her to do so but the client never had the proper paperwork to reflect the actual approval. Like it 's stated above ; it nearly took us two months to retain the trial documents. Now fast forward XX/XX/XXXX ; 5 months into her trial period, the borrower has not yet been successful in retaining her final modification documents. If you can please look into this matter. The borrower is in active foreclosure and we would really hate to lose the modification simply for a lack of communication from the lender Seterus ; and their legal adviser XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Debt collection (I do not know) with CL HOLDINGS LLC (AR).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a letter with the mailing address of XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX - attached XXXX XXXX XXXX XXXX XXXX is the principal agent for XXXX, XXXX ; and I believe XXXX XXXX XXXX is XXXX in the same as XXXX XXXX XXXX. 

In Letter A, there is an offer to settle an unverified DEBT at XXXX % off with some company called JEFFERSON CAPITAL SYSTEMS , LLC XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX is acting as President and Chief Executive Officer of JEFFERSON CAPITAL SYSTEMS , LLC. ; and i believe XXXX XXXX is one in the same as JEFFERSON CAPITAL SYSTEMS , LLC. 

I responded with a notice offering to settle the DEBT upon presentment of a verified and signed bill with a bill of particulars showing what damage/loss/harm i cause this alleged 'CREDITOR ', one XXXX XXXX - attached Notice A. 

I afforded XXXX XXXX XXXX working for XXXX XXXX 15 days to answer my offer to settle this DEBT ; but there was no response - see attached Certificate of Non-Response. 

30 days after Notice A, i sent a followup notice that i wish for XXXX XXXX XXXX and XXXX XXXX to cease and desist since there is a failure to verified this DEBT, and that i wish for them to purge their databases of my information and remove any negative reports to my credit immediately - attached as Notice B. 

On XXXX XXXX 2016, my Notary received a letter from XXXX XXXX XXXX that fails to state a DEBT that i am obligated to settle ; in fact there is no amount stated, no damages claimed, no losses ... its not even a bill - attached Letter B. 

I believe Letter B is absolute rubbish. 

On XXXX XXXX 2016, i received a letter from XXXX XXXX saying that XXXX XXXX XXXX has an offer to settle a DEBT - attached as Letter C. 

I believe Letter C is an attempt to collect on an unverified DEBT sent through the Post Office, which is fraud. 

I believe I have acted in good faith to settle this DEBT alleged by XXXX XXXX and XXXX XXXX XXXX, but enough is enough.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-11-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (VA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My student loans are currently consolidated with Fedloan Servicing. I am under an income contingent repayment plan because I qualify for the Public Service Loan Forgiveness program since I am a XXXX. I have been making my payments on time, but under the last annual re-evaluation my payment more than doubled, causing financial stress in my budget. When I called to ask why, I was told it was because my loan had previously been calculated incorrectly, since the parent plus loans included in my consolidation did not qualify for the lower payment plan. Whether this is true or not, I made the decision to use the PSLF program because I could afford the payments I was given under the consolidation plan I was told at the time to use. I did not lie to anyone, but I went on the advice I was given at the time by the loan servicer. I feel like I am being financially stressed due to a mistake that was not my fault. I may have made different decisions 5 years ago had this information been given to me at the time. Is it OK for the servicer to raise my payment by more than double because the error was not caught? I am beyond frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Debt collection (I do not know) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I sent out XXXX separate letters to XXXX ( XXXX ) separate addresses listed on my report and did not get a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Capital One Auto Finance d/b/a COAF '' on XXXX via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Mortgage (Other mortgage) with Lennar Financial Services, LLC (FL).
Issue: Settlement process and costs

Complaint: I sold a property in Florida 3 months ago. Today I received a call from the broker who did the closing asking me to pay a household insurance for $ XXXX.that was part of the selling agreement. My realtor with the broker check all paperwork and they told me that everything was in order and we finalized the transaction. I am a XXXX citizen living in Social security and cant afford to pay that sum with my actual income. Do I need to pay for their mistake?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/24/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IA).
Issue: Payoff process

Complaint: I 've had this account since 2011. Not one time has a payment I 've made ever been returned back to capital one. The last two times in a row now that I 've made a payment, capital one has placed a hold on that payment, effectively freezing a large portion of my money. It has left my bank account, yet held by capital one and I am not allowed access to that payment. Each time I have to make a phone call and go through a lengthy process to release my payment. This second time, I was transferred to a supervisor and actually told my payment was being held because I pay my debts more than once per billing cycle. Seriously, I am being penalized because I actually pay off my balance more than once per month? Each time I have called, they have released my payment and then had the nerve to spin the conversation as if somehow they 're doing me a favor. If my payments can be released with a phone call, then why are they being frozen in the first place?

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2015 about Credit reporting () with Experian Information Solutions Inc. (OK).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I notified the XXXX major credit reporting agencies that XXXX collection agency 's had reported false information to them which showed as collections on my credit reports. Experian was the only Credit report agency who did not delete these XXXX collections. Both collections are from XXXX Account XXXX. The XXXX for the amount of {$380.00} and the XXXX for {$410.00}. I advised all XXXX Credit agencies that I was not responsible for these XXXX collections. They belong to my Mother ( XXXX XXXX XXXX ) who passed away XXXX XXXX 2014. I am not responsible for her debts. Again, I ca n't understand why Experian will not remove these XXXX collections from my credit report since they are not in my name and I am not reponsible for someone else 's debts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2015 about Consumer Loan (Vehicle lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (AL).
Issue: Managing the loan or lease

Complaint: I leased an automobile through Nissan-Infiniti LT. The lease was serviced by Infiniti Financial Services. I turned the car in to my local Infiniti dealer at the end of the lease term. A few weeks later I received an " End of Lease Liability Statement '' from Infiniti Financial Services stating a net liability of {$3000.00}. Charges included " Unsatisfied Contract Obligation '', '' Excess Wear and Use '', " Tax on Excess Wear and Use '', and " Remaining Rents Due '', among others. I wrote Infiniti Financial Services challenging these charges and they provided an illegible copy of the contract and did not address several of my questions. Concurrent with their correspondence, they turned my account over to a collection agency. Their actions have hurt my credit rating and are heavy-handed and unethical. I do not believe the bill is accurate and I do not believe I have an obligation to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Have filed numerous complaints regarding this same account showing on credit report that is not mine ... .yet XXXX and EQUIFAX STILL continue to list it as mine ... ..company admitted they DID NOT HAVE A DOCUMENTED CONTRACT, NOR DID THEY VERIFY WHOM OPENED ACCOUNT ... ... .so I am still wondering how XXXX and EQUIFAX " verify '' an account that was not opened by me. How is an account verified ... ... WITH NO CONTRACTS? So again ... ..I ask for a CONTRACT!!!!!! Stop telling me you verified an account that does not EXIST!!!!!!!! 

CFPB ... ..stop saying this is a duplicate ... XXXX.YOU ARE THE ONE THAT ASKS IF WE WANT TO SEND TO OTHER CRA!!!!!! SO SEND IT! 

XXXX and Equifax has done nothing to remedy the issue!!!!!! Removing historical information on an account that is not mine ... ... does nothing to solve the problem!!!!! REMOVE THE ENTRY!!!!!!! YOU ARE RESPONSIBLE IN THE END FOR LISTING INFO THAT IS NOT MINE, and purposely harming me!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Student loan (Non-federal student loan) with ACCESS GROUP INC. (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: School name : XXXX XXXX University XXXX XXXX XXXX XXXX location : XXXX XXXX, MO I am having the very unfortunate experience of having Access Group as XXXX of my private student loan lenders. They turned my account over to a nightmare collections agency, XXXX XXXX XXXX, without even having the decency to notify me. After I was contacted by XXXX, which calls at least 5 times a day, I contacted Access Group in the hopes of somehow rehabilitating my debt. The representative claimed to have left me voice mails ; however, my phone does not have voice mail! Then, she claimed to have mailed me statements -- when I inquired as to what address, it was an incorrect address. I informed her that was not my mailing address and that I did n't have voice mail, but she did n't care and refused to work with me. She said that my only option was to deal with the debt collector, TWE. I ca n't believe Access Group did n't care that they are ruining me financially. This is affecting my health, which is n't good to begin with. Their debt collector is rude, and even after it was made clear to the debt collector that I have no money and no sources from which to borrow money, the collector encouraged me to borrow thousands of dollars ( by the end of today ), even if I had to put it on a credit card ( or someone else 's ). I pressed, without luck, for alternatives. He would n't give me any. I am hopeless and scared. Please help.

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 01/25/2018 about Vehicle loan or lease (Loan) with JPMORGAN CHASE & CO. (AL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XXXX XXXX, 2017 I contacted Chase Auto Finance in regards to my auto loan. I was off work due to an injury and having XXXX in a few days. I asked them if I could have an extension on my monthly payment as my account was in good standing. I would have understood if I was told no- but I was told if I paid a partial payment { which I did pay onXX/XX/XXXX }, that I might could qualify for a deferrment. The woman on the phone told me to pay that and i would get a letter in the mail very soon with their decision. I was essentially planning in advance for not having income and trying to protect my credit score. I was told I did n't have to pay and that I would most likely be approved since I paid the partial payment and it would not negatively affect my credit score. I kept waiting for the letter. I then received a bill that my account was past due. I called them and they acted as such that there was no record of the request for extension. I paid both my XX/XX/XXXXand XX/XX/XXXXcar payment at this point and it was the first of XX/XX/XXXX. I asked if it would affect my credit since I was told it would not. I then got a credit alert that my credit score had dropped 161 points overnight. I then called my lender again and told them that was n't fair as I paid the partial and was told i would be approved for a deferment. I was finally given a supervisor who told me there was a recorded conversation between me and the representative I spoke with on XX/XX/XXXX. She said she would have that dept listen to the call and if it said those things, they would remove the late payment. I was very confident this would be removed as I knew what had taken place. The next day I was called and was told that the recorded conversation did not go that way and they would not remove it. I asked for transcripts or a copy of that conversation as I knew someone was lying. I was told no that I would have to get an attorney and have them subpoenaed. It is very frustrating because I do have a good standing with them. I was trying to plan ahead with my payments so I could defer some accounts while I was making no income. I would have found a way to pay this in full Before I was thirty days late if I was not told I could have a deferment and to wait for a letter that I never received. I paid a partial payment on XX/XX/XXXX, so I was not technically 30 days behind. At the first of XX/XX/XXXX I did catch up the account and paid two full payments. I feel as though them reporting this as thirty days late is extremely unfair as their representative mislead me. I tried working with them to find a solution but they refused to work with me. My good credit has now decreased significantly over this. I want this removed off of my credit report. I was in the process of home buying and due to their error I have had to hold off and try to spend time and effort to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion had a computer glitch and removed all of my inquires and a week later put them back on, with out informing me. By law they only have 5 days to inform me and since they did not they broke the law.

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 07/19/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am getting contacted about a debt for ( {$620.00} ) that was bought from Midland Funding onXX/XX/XXXX. I have disputed the debt several times with all of the credit bureaus. The debt was removed from the credit bureaus on XX/XX/XXXX and then readded XX/XX/XXXX. I have no idea why. After several calls to the company to resolve the issue nothing has changed. I have asked for a validation letter to prove that the debt is mine and I have yet to receive anything. I have contacted the company several times to try to settle ( even though I have never acknowledged the debt as being mine ) and was told that they " Midland Funding '' could not send written conformation to me advising that they would remove it from my credit reports even if the debt is paid. I am at my wits end because I am thinking if I wanted to make a payment and be done with it ( even though I do not owe the debt ) at any time I would have to make the payments again since there would be no proof that the original payment was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This information on my credit is not accurate and it not mine I do n't owe any Medical bill in 2013 for the amount XXXX $ Please take it out of my credit ASAP

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Credit reporting () with SYNCHRONY FINANCIAL (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This account was my XXXX XXXX that was financed and I paid if off in full XXXX 2016 they will not take it off they keep telling me that the information is accurate. It was paid along with court cost. It was a judgment so they updated the judgement as satisfied but not the original account. Also, it was a joint account and it was taken off my wife 's account.I want this deleted.

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