milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-07-2016 about Consumer Loan (Installment loan) with Risecredit, LLC (TX).
Issue: Taking out the loan or lease

Complaint: Rise Credit has sent me special offers in the mail, so I decided to apply for the loan. When I applied I got the response and they said they denied it because of fraudulent activity in the application. I decided to check the phone numbers out and the address out and it does n't match up. The phone number associated with Rise is registered to a female in XXXX, Fl. The address and the number I was given to call is listed in XXXX, SC. After searching there is no address listed in XXXX, SC for XXXX XXXX XXXX XXXX, XXXX. The fax number is a fax number listed to an address in XXXX XXXX, Tx. If you will notice closely the fax number is the same area code for the number listed in South Carolina. And the fax number for Texas the last digit is just XXXX numbers of the actual number in South Carolina.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (MA).
Issue: Trouble during payment process

Complaint: Ditech Mortgage I have field a previous complaint. This weekend I received certified letters regarding a demand for over {$2700.00} for non payment for the months of XXXX, XXXX and XXXX, that I had not made these payments, notice of to foreclosure and an application for a modification. Also, similar documents were sent to my brother regarding the same property. The problems are : 1. I  have not missed ONE payment on my mortgage since Diteck assumed my mortgage ( many years ), I have all my bank records demonstrating my payments. 
2. My bother XXXX XXXX does not own this property 3. I own this property exclusively 4. My bother, XXXX XXXX is deceased. 
5. XXXX had previously reported on my credit report there were TWO FIRST mortgages on this property which was never true, impossible to have two first mortgages on the same property. This error caused my credit score to plummet 6. On an earlier occasion they reported I had a zero balance, which was not true 7. And they reported that my mortgage was included in a bankruptcy which was not true 8. Whenever I have tried to call them a voice menu requires I provide them the loan number and when I do, the call automatically transfers to another company that represents XXXX and that company say they can not discuss my mortgage without XXXX XXXX approval. 
9. I have written XXXX directly and have had no response other than THIS NOTICE OF DELINQUENCY, IMMEDIATE DEMAND FOR PAYMENT, and risk for foreclosure. 

I believe these recent notification are vindictive in nature and a result of my earlier complaints.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I have been victimized by my mortgage lender and as a result I am now facing foreclosure. I purchased my home in XXXX and was misled by the people at XXXX who talked me into a mortgage loan with an introductory interest rate of 9 % that would eventually adjust up and could go as high as 15.62 %. When it came time to adjust my payment went up almost {$400.00} a month but somehow I was able to hang on. I paid that outrageously high amount of interest for 6 years and eventually it was too much and I applied for a modification. I was grateful that I received a modification and my rate was lowered to 2 % in XXXX. I paid as agreed on this for over 2 years. 

However, my loan is now with DiTech and I am facing foreclosure. I work as an XXXX and I ran into some issues a couple of years ago with the company I was working for and I had to switch to a different company. As a result of this change, I lost out on a lot of income and was struggling financially. I missed my mortgage payments for a couple of months while I got back on my feet. I reached out to DiTech to make a payment and to see what could be done to get everything sorted out. I was shocked when they refused to accept my mortgage payment. I was even more shocked when they told me that they would not be able to offer or even consider any type of modification or repayment plan or anything because I already had a " good rate ''. They stated the only way I could fix this was to reinstate the entire delinquent amount, which was not possible at that time. However, I was only three months behind at that time and DiTech could have easily put me into some type of forbearance agreement or repayment plan instead of shutting the door on me. They also could have put the late payments back into the balance of the loan and just increased the term or something. Instead they refused to consider any options, refused to look at my current financial circumstances and decided to serve as judge, jury and executioner and move me straight into foreclosure. 

I know that the government programs allow consideration for a second modification if something bad happens to the homeowner. But DiTech is completely shutting the door on me. They merged with Greentree Mortgage and I know that this company received XXXX of dollars in bailout funds. After making all of this money from me with an outrageously high interest rate for so many years one would think DiTech would at least give me the time of day and the opportunity to resolve this matter. Instead they have harshly turned their back on me and I want to file a formal complaint against them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Credit card () with CITIBANK, N.A. (MA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: In trying to activate a new citibank mastercard, I was told that my account was put on hold because the telephone number I cited did not match their records. I was put in a position where I was neither able to activate the account nor cancel the account because security access ( which I was being denied ) is required for both. I know that I gave my correct phone number when enrolling because citibank gave me a call soon after I applied in order to verify the validity of the application. The number they have on file for my account is pulled from public record and is incorrect. The customer service representative said that I would have gotten a voicemail with a code to gain access to the account, but seeing as the number that citibank has is incorrect, there would be no way for me to receive that message. This is frustrating and inconvenient to say the least,

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 10/21/2017 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: A Bank of America representative called me in early XXXX for the purpose of collecting a debt owed on credit card number XXXX. The representative offered to settle the amount owed for a payment of {$9400.00}. I told the representative that I needed to think about the offer and was told that the offer was good through the end of the month. I was also told that I should make a payment before the due date on the account and that anything I paid would be applied to the settlement if I decided to settle before the end of the month. I made an electronic payment of {$3000.00} a few days later and called BoA on or about XXXX XXXX to finalize the settlement. During the call it was determined it the Bank of America representative needed to speak with my wife, the co-account holder. At the time I was away from home so speaking with my wife was not possible. However, I told the representative that I would at home in approximately 10 days and could call back at that time. The representative said that would be acceptable but informed me that I had to conclude the settlement prior to the end of XXXX. On XXXX XXXX at approximately XXXX XXXX CT, I called Bank of America Collections Department to conclude the settlement. The representative with whom I spoke said that even though I had made a payment of {$3000.00}, the settlement amount would be the entire {$9400.00} instead of {$6400.00} ( $ XXXX {$3000.00} ) as earlier stated. I asked the representative if there was documentation in my account file supporting my claim that only {$6400.00} was needed to settle. The rep acknowledged that there was such documentation but that BoA was no longer honoring the offer. I told the rep that this constituted trickery by BoA and that I would file a complaint with the FTC unless BoA honored it 's offer. The rep declined to honor the offer. I request that my account file be subpoenaed as well as the audio recording of the call ( the rep informed me that the call was being recorded ). I consider this to be the ultimate in deceptive banking practices and find it unimaginable that bank of the stature of Bank of America would engage in such practices. Further, I suggest that BoA be investigated for engaging in this practice as a regular collection procedure.

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 07/22/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XX/XX/XXXX I made an agreement with XXXX XXXX XXXX to settle a lawsuit from a credit card debt. At that time the amount to be paid was {$5800.00}. The agreement was for XXXX to take {$100.00} out of my bank acct on the XXXX of every month. XXXX said it was my only option because they did not accept checks being mailed in. Until XX/XX/XXXX they took {$100.00} from my acct. And then it stopped. I do n't know why it stopped even though a balance was still due. Nothing on my end changed the bank acct was the same ( I have had this account for almost 20 years ) and no contact was received from them, ( I have had the same phone number for 25 yrs and the same address for 17 ). Then on XXXX XXXX, XXXX I received a call at my office wanting to verify employment. When I asked what this was about I was told it was in regard to a judgment gotten against me by Midland Credit Management for violating the terms of the agreement. I was never notified about this, did n't even know that a court date was set up nor did I ever receive a phone call or letter from Midland about this. When I mentioned that I did not violate the agreement that they had stopped taking the money, and that all my information was the same, the person said it was my responsibility to find out why they stopped. Again none of my info changed so why is this my responsibility? She they said I had to pay the full amount even though they had collected over {$2900.00}. It took me over 4 hours of arguing with them and lots of lies on there behalf. All of which they kept blaming me for their error. I was told that I should have sent them a check and when I said that I was told they did n't accept checks I was called a liar. Finally I was able to speak to someone who claimed to be an attorney and who blackmailed me into paying them {$500.00} to make it go away. When I ask for the lawsuit to be vacated I was told NO. This is not right, now my credit which I have been working very hard to fix is showing a Judgment against me, which is not my fault. Again I have had the same bank acct. Phone number and address all for over 17 years so they could have reached me at anytime. This is not right, I was basically black mailed into paying a debt which they failed to collect, not that I failed to pay. I hope you can assist me in taking action against this company which I am sure I am not the only person they have done this too.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Debt collection (Medical) with Quad Corporation, Inc. (IA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I had a medical bill I guess that I owed in the amount of {$590.00} in the year XX/XX/2013. I had insurance and I had received the last medical bill in XXXX I called the XXXX XXXX office and they told me to wait not pay anything more until the insurance pays. I never received a bill after that. The beginning of this summer I kept getting phone messages that this message is for XXXX if your not XXXX than hang up. I ignored this message because of spam. I received a letter from a credit agency that I owed {$1500.00}. Right away I called them and I said I would set up payments I always pay my bills if there owed. I checked my credit report and my medical bills and they just did n't add up to {$1500.00}. So I called the credit agency and she said Oh they wo n't. I kept paying but than a lightbulb went off and I asked for itemized letter of what I 've been paying on. Nothing was itemized. So I called the XXXX XXXX office that whom I owe money too they said they have only received {$25.00}. I am going to a lawyer on this matter. This just is n't fair to me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MN).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I have had issues with Fedloan Servicing since they 've taken over my loans. The company is hard to deal with on a general basis, its more of a chance of getting someone who knows what they 're doing and cares about their job. 

They give inconsistent information for the XXXX XXXX XXXX XXXX program. I 've had trouble certifying my income based repayment plan 3 years in a row, each time they 've incorrectly closed my application saying I did n't send in enough information. All three times they received the information that they requested and needed to render a decision. Two years ago I had issues with it and had to have my bank stop payment to them due to their errors and my payment going way up. 

I worked with them for 3 years on the income based repayment plan and the XXXX program before one of their employees told me that the bulk of my loans did n't qualify. So the bulk of my loans had no qualifying payments, three years of lost payments for forgiveness. I feel like I receive subpar customer service and they have no incentive to provide better service because they 're locked in with the government to administer student loans and the XXXX program.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: This account was awarded to my ex-wife in our divorce decree ; she continued to charge and paid until : XXXX XXXX, XXXX, she left a balance of : {$250.00} ; her high balance at one time was : {$4900.00} ; she stopped paying, she did not tell me and when I found out, the card was charged off and closed and now I have this account on my credit reports. My divorce was final in XXXX XXXX. The bills were sent to her address, and I can prove when I moved out in XXXX XXXX and I did not live with her, after XXXX XXXX. As of XXXX XXXX, XXXX ; The Statute of Limitation Law protects me as a consumer, the XXXX anniversary from the last payment, this account is no longer collectible, no one can seek legal action towards me. Please help me remove this account from my credit reports, even though it is a low balance, it is affecting my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2016 about Student loan (Federal student loan servicing) with ACS Education Services (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I took out federal subsidized and unsubsidized student loans when I went to XXXX University. I graduated was accepted at XXXX University XXXX XXXX where I took out the same federal loans, and also XXXX Plus loans. In XXXX 2015 I called XXXX to ask about a PSLF consolidation because I work at a nonprofit. I sent the application in on XXXX XXXX, they said they got it on XXXX XXXX. On XX/XX/XXXX, I got a letter from them about the consolidation, but the information was wrong, so I called. None of my loans with my ACS servicer were included in the consolidation, but the rest were. All are eligible, the only difference is the servicer. I spoke with a XXXX worker named XXXX, who told me that ACS is giving XXXX " a hard time, '' and that ACS does n't want me to consolidate those loans. ACS wrongly informed XXXX all my loans had a XXXX balance except the XXXX Plus loan, and they said that loan was ineligible. XXXX asked if ACS is collecting, and they are. None of the loans ACS services are either ineligible or have a XXXX balance, they are exactly the same kind XXXX included in the consolidation. XXXX said, " They ca n't have it both ways, tell us you have a XXXX balance and then collect from you. '' She said I have a legitimate complaint with ACS, but XXXX could do nothing about it. ACS will not give XXXX the information they need, so I had to cancel the consolidation and call ACS. XXXX said I could reinstate the consolidation application when they have the information from ACS. I called XXXX on XXXX, and they said they got XXXX 's request on XX/XX/XXXX, but it would take up to 30 business days to submit the information. I asked for an email confirming that. The said it would take XXXX hours to send it, but they would. On XX/XX/XXXX, I still did not have an email confirming they would send the information to XXXX, so I called ACS again. They said the same thing. I again asked for an email confirming that, and they agreed. It is XX/XX/XXXX, and I still do n't have an email from ACS I tried to file a complaint with the Ohio AG, but their website has been down the last two days. ACS refuses cooperate with me or XXXX, they are not complying with the terms of my loans that allow me to consolidate.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because XXXX has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section XXXX of the FCRA -they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you

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 11/29/2016 about Mortgage (Conventional fixed mortgage) with loanDepot.com, LLC (CA).
Issue: Application, originator, mortgage broker

Complaint: I contacted LoanDepot in XXXX of this year to refinance a rental property that I own in Florida and began working with XXXX XXXX. A couple of weeks into the process, XXXX XXXX left and my loan was transferred to XXXX XXXX - this is where the problem began. 
XXXX XXXX quoted me a 15-year loan at 2.875 % for {$100000.00} ( rolling in the closing costs and buying of points ) after I bought points from 3.25 %. The cost would be around {$1500.00}. 
XXXX and LoanDepot did not execute my loan in a timely manner - despite my constant emails asking for the status and info they needed. Eventually, in XXXX the loan paperwork was completed and we went to sign, but the interest rate was now 3.25 % with no points being bought down. I refused to sign the loan. 
I was contacted by XXXX XXXX from LoanDepot, who explained why they could not honor the 3.25 % and he was to compensate us {$200.00} on the closing for late fees due to the current mortgage company. Despite not getting my interest rate, I agreed as long as the {$200.00} was compensated. The loan paperwork came again - exactly as the first one with no {$200.00} compensation. I refused again. 
I began asking friends about the loan. Each made the point that LoanDepot could honor the 2.875 % rate but are refusing. 
At this point, due to LoanDepot 's and XXXX ' incompetence, I am not refinancing my property but I am out the appraisal fee of {$300.00}. An appraisal fee that would not have paid if LoanDepot was going to switch the interest rate on my last minute. ( Not to mention that {$35.00} late fee to the mortgage company ). 
In summary, this company has wasted my time, lost me money in additional months of a higher interest rate by not refinancing ( or refinancing in a timely manner ), a late fee, and an appraisal that I did n't need. I am seeking restitution in money lost or them honoring the original interest rate they quoted me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Credit card () with Alliance Data Card Services (GA).
Issue: Customer service / Customer relations

Complaint: Threats, harassment

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (NV).
Issue: Unauthorized transactions/trans. issues

Complaint: I used my American Express Bluebird ( Card # ending in XXXX ) prepaid card for a one night stay at the XXXX XXXX in XXXX, Nevada that required a {$50.00} deposit on my card. During my stay I never used any amenities that would require a deduction from that XXXX deposit. In addition I had also spoke with the Front Desk Manager who had confirmed that the funds were released in XXXX increments. I have only received one of those XXXX increments and the other XXXX increments is still on hold currently since XX/XX/2016. I spoke with a " XXXX '' a call center supervisor on XX/XX/2016 in regards to this matter and He advised that they have the right to hold on to the funds as needed?? I have filed a complaint with the FDIC, the FTC who then sent me a link to the CFPB to file a complaint in regards to this matter.

Company response to consumer: Closed with explanation