milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/18/2017 about Debt collection (Mortgage debt) with Johnson, Blumberg & Associates, LLC (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX from XXXX XXXX to complaint number XXXX was not satisfactory they need to supply proof as requested in my complaint number. 
Summary judgment was not granted and there is a counter suit against XXXX XXXX for filing a fraudulent complaint. 

They are lying through their teeth.

Company response to consumer: Untimely response
Consumer complaint received 07-07-2015 about Credit card () with CITIBANK, N.A. (FL).
Issue: Other

Complaint: I have a late payment on my credit report from Bloomingdales for XXXX 2015, that should not be there. I made a payment on my Bloomingdales credit card for that month and it was n't processed. There website is very confusing when it comes to making payments and I 'm not sure why it was n't processed. I have noticed when I make payments online via their website it can sometimes take up to a week before it will show up. Also, it is almost impossible to find payment history on their website. I contacted Bloomingdales customer service on the evening of XXXX/XXXX/2015 to request help in fixing this. The representative, as well as the supervisor I spoke with were extremely rude and offered me no help. I do not feel as if I should have a late payment showing on my credit file because their website is confusing and did n't process my payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Mortgage (VA mortgage) with EMBRACE HOME LOANS (WA).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX, my mortgage company informed me ( attachment A ) They were changing partners in collecting the payments. In this document they wrote what do you need to do? nothing we take care of everything. So I went on to the next piece of mail. Later I picked it up again and found that I would in fact need to be involved in setting up payment through my bank. So I tried contacting the lender Embrace Home Loans, offering to make small additional payments to my mortgage until the month was paid for. I was willing but the amount they expected was more than I could scrape together. So I was n't able to resolve it that month, the next month they did not take the money that was there even though I set it up to be paid, since I had according to them defaulted on the loan. I sought help and was contacted by XXXX, XXXX was the contact. He hooked me up with XXXX XXXX who had previous experience fighting my lender and claimed not only the lender was practicing Predatory Lending, but that they could reduce my mortgage from $ XXXX- {$340.00}. I paid {$700.00} a month for their help for 5-6 months, and then the suddenly seemed to be trying to work with me. The contact at XXXX XXXX, called me and reported the offer the lender came up with was {$700.00} a month. I can do that, but it was n't what I was offered. Anyway the contact ( XXXX XXXX ), Said If I decide to accept this offer than to sign it and mail it in. I asked what if I do n't accept it? She said then I have to consult my supervisor. She then told me to contact her upon my receipt of the offer. I read the offer and it had my spouse on it, and according to the lender I can not even have this offer without his signature. 
The kicker here is that on XX/XX/XXXX He filled my home with propane and tried to blow us up cause I asked for a divorce. I sent him to prison, and obtained a life long no contact order. I feel since the legal assistance was useless and they are refusing to at least explain what my options are, I feel screwed over. Honestly It is my opinion, the property values are going up the loan amount is $ XXXX But the value is reported to be $ XXXX. There is new industry coming to the area, and I may lose my home just so they can resell for more. 
I 'm sorry if that was over the top. I do want to make clear I am an XXXX, Served with pride ( XXXX XXXX, and XXXX ). I am currently a XXXX for my XXXX adult son, as well as XXXX other XXXX people who are vulnerable. Myself and XXXX renter are Veterans. I work at XXXX XXXX of these people- without state assistance. I need help, I am XXXX and trying to hold onto my home.

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 11-03-2017 about Debt collection (Federal student loan debt) with Performant Financial Corporation (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have been paying on a student loan from XXXX XXXX XXXX XXXX for 28 years. I have records of all my payments which totals {$57000.00} The original loan was {$17000.00} onXX/XX/XXXX1991.
They say that I still owe {$38000.00}.
They are going to take my tax refund and garnish my wages very soon if action is not taken.
I have repeatedly written letters, applied for XXXX  Forgiveness with no results.
They have turned the loan over to a collection agency ; Performant Recovery Inc. which I have also written and received the same reply, that I still owe the money in question.
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 10-07-2016 about Consumer Loan (Installment loan) with Enova International, Inc. (GA).
Issue: Problems when you are unable to pay

Complaint: in 2014, I got a loan from NetCredit. I had financial hardship and could not keep up with the loan payment. I tried to settle with XXXX and was unsuccessful. XXXX has ruined my credit for the last 2 years. I just informed that they sold the loan. I would like XXXX to rescind that sale and stop ruin my credit profile.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I do not have a contract with XXXX XXXX XXXX. I am not liable for collection of these debts from XXXX XXXX, Colorado. I am not responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with TCF NATIONAL BANK (OR).
Issue: Closing on a mortgage

Complaint: I have been processing  a 2nd mortgage for a home purchase through TCF Bank. They have approved the loan then kept finding little things to update and request changed ; most recently they forced our appraiser to update their appraisal for frankly frivolous reasons. Finally, today, they told my broker that he should withdraw the loan as fraud to avoid getting into trouble. I have a seller threatening to withdraw from the contract and charging me $  XXXX /day to keep the purchase alive and TCF is playing psychotic games and throwing insulting comments about terrorists and strawma n purchases. They have been abusive and defamatory.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (OH).
Issue: Struggling to pay mortgage

Complaint: On XXXX XXXX my husband got a call from Ditech Mortgage that our payment was 111 days past due and we are in danger of foreclosure. I called to ask them what are they talking about and 3 days later after spending numerous hours talking to different very rude people it was explained to me that in XXXX of XXXX a check for {$2400.00} was credited to my mortgage. Ditech entered this amount twice. They had an audit in XXXX saw the error and their way of correcting it was to take my XXXX payment. I also was so far ahead on my payments that my XXXX statement said my next payment date is XXXX XXXX so the money they had to cover XXXX and XXXX they took that money as well. When this was explained to me I told her there is no way this could be legal because those were my house payments and now youre threatening foreclosure. She said they are willing to make my payments for the next year {$760.00} instead of the {$620.00} we are supposed to pay. It was their mistake and they fix it by putting a horrible hit on my credit score and a finically burden on me. Is this legal? Can they just get away with business practices like this?

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 08/15/2015 about Credit card () with BARCLAYS BANK DELAWARE (WI).
Issue: Delinquent account

Complaint: Barclay 's Reward Credit Card is reporting that I am more than 30-days past due to all of the credit bureaus. They are stating that the last payment they received from me was on XXXX XXXX, 2015. This is incorrect. I made a payment on XXXX XXXX, 2015, in the amount of {$200.00}, which brought my account current and prevented it from being late or being reported late to the credit bureaus. As of XXXX XXXX, 2015, I received notification that Barclay 's is reporting that they never received my payment of {$200.00} on XXXX XXXX, so they are reporting me to the credit bureaus as 30-days late. This is inaccurate. Barclay 's has opened up a " missing payment dispute '' case internally with themselves and I have provided them a copy of my bank statement showing where the payment was taken out of my bank account. They are still in the process of investigating this, but being reported 30-days late to all credit bureaus by Barclay 's is severely affecting my credit report and needs to be addressed immediately, since I have provided all the documentation to prove that I made my payment on time. Barclay 's needs to update my credit report to reflect that I am NOT 30 days late, since I have provided all of the documentation that was requested of me by them to support my claim that I paid on time and the error lies with Barclay 's.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2015 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: In 2005 we bought a home in XXXX, Ca. with a20 % down payment and like everyone from the area saw our home go underwater. The area jobs market also went under and you then lose your job. The next step Is missing mortgage payments. WE where working on a loan modification program with Chase and the head of this company is the despicable XXXX XXXX. We had everything working perfectly until this XXXX and his company decided they wanted more paperwork. After this run around this despicable lowlife company foreclosed and took our home away. We lost everything and these lowlifes sold our home for less than what we would have renegotiated for. They lied to the government agency that handled modifications and we where left basically homeless, some thanks for being a XXXX XXXX XXXX veteran. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midland Funding is incorrectly reporting a collection account on all XXXX of my credit reports as an " Factoring account. I have never entered into any agreement with Midland Funding or any of its associates. They are updating this account monthly as " past due '' so as to cause a greater negative impact to my credit score. Because of the way they are incorrectly reporting this account, it appears to any other creditors that I have recently become late on a account and or loan when, in fact, I have not been late on or missed any payments with any creditors in nearly six years. This has caused me to be denied credit when I should have otherwise been approved. 

I sent a direct dispute to Midland Funding on multiple occasions specifying that they were incorrectly reporting a collection account as past due and requesting that they correct the information. They replied on stating that they were " unable to determine the nature of my dispute, and consequently deny that their records are inaccurate. '' I was very clear in my letter to Midland, I was very specific in my direct dispute, citing every error that was being reported. Midland 's response makes me believe that they did not even bother reading my letter or following up on any of my claims. 

Specifically, Midland may not list this account as a factoring account, as they are not a creditor and I have never entered into any agreement with them Midland also may not show the account as " Past Due '' as they are not a creditor and may not list an account as past due or current. Midland also may not report a recent payment history as they are not a creditor. Midland also may not list the terms of the account as " 1 Month '', as I have no terms or installment agreement with Midland. Finally, Midland may not report my payment status as " Past Due '' as Midland is not a creditor and I do not have any installment agreement with Midland. 

Due to the manner in which Midland is incorrectly reporting this account, they are in violation of 15 USC 1692e ( 2 ) ( A ), 15 USC 1692e ( 8 ), 15 USC 1692e ( 10 ), and 15 USC 1692f.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/24/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I had spoken to a representative back in the fall of XXXX and this is where my journey with Lowes Credit and Synchrony bank started. I learned, that unless I hit a particular setting within there website, my payments would not pay off interest free promotions first. The representative I spoke to fixed one HUGE purchase interest issue, but instructed me to call back when I had time to look into older promo 's, in which interest was charged incorrectly because of promo 's not paid correctly. I did call back in late XXXX XXXX or early XXXX XXXX and the rep I spoke to put me on hold and told me, I should be credited back over {$1100.00} in old interest for promo 's not credited properly. Ive now gone back and forth with Lowes and Synchrony over this and while they credited me back interest for a couple months, as a courtesy, they never completed the amount to pay me back in older interest charged incorrectly. I was told by a rep on a chat line that as another courtesy, they would credit me back interest from my XXXX and XXXX or XXXX XXXX statements, and this not only never occurred, Lowes is refusing to look into this issue. Ive loved shopping at Lowes, love their credit promos and I continue to use them, but I think I should get at least these 2 months interest credited back as promised

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 03-06-2017 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My home mortgage loan was sold in fall XX/XX/XXXX by XXXX. I was directed to send payment to XXXX, which I did for the XX/XX/XXXX payment. I have the cashed check copy and evidence of my account being debited. Then I was directed to send payments to LoanCare. I have sent in all payments and have not missed any months. 

LoanCare will not recognize this payment and sends delinquent notices, saying I am behind on my mortgage payments, which I am not. Since XX/XX/XXXX to present, I have twice called LoanCare customer support to resolve this. Each time I was instructed to fax an explanation, copy of cashed check and my account debit page. I have done this twice now. When I call the customer service line, they have no information regarding any of this. 

I sent a letter ( copy can be faxed ) regarding this, with the above information again enclosed to LoanCare on XX/XX/XXXX. I asked for the payment made to XXXX to be acknowledged and my account to be remedied. no reply. 

I received another delinquent notice on XX/XX/XXXX. I have made every payment every month.

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 01/31/2017 about Debt collection (Credit card) with EVERGREEN PROFESSIONAL RECOVERIES, INC. (WA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: On XX/XX/XXXX I called in to Evergreen Professional Recoveries to pay off an account they had under my name. I paid the balance in full, and was told that I would be receiving confirmation of this within 7-10 days. 

I waited 10 business days before calling back on XX/XX/2017. I was informed at this time that the letter had not been sent out, but it would be the following day, and that I should expect to receive the confirmation letter no later than Friday, XX/XX/XXXX. I waited until Monday -- still no letter. So I called again. This time, I was told I would be emailed the confirmation within 24 hours. I agreed that this was fine. 

Next day - no email, still no letter. I called in again and this time asked to speak with a supervisor in an attempt to expedite the process. What follows is my reason for submitting the complaint. 

First, XXXX came on the phone. She was rude, interrupted and talked over me while trying to explain what I had already been told. She would not let me speak, so I asked for her manager. She put me on hold for several minutes before returning and briefly attempting to apologize ( at least, I *think* it was some form of an apology ). She then placed me back on hold to speak with her manager. 

This man 's name was XXXX. He was equally as rude, combative, and unprofessional as XXXX. He never acknowledged the false promises that were made and refused to send me the confirmation email. 

I still have not received the confirmation of payment, which posted now 25 days ago.

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 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: Previously disputed bankruptcy reporting on credit file several times. I sent a validation letter asking for the person that verified information through clerks office but received no response back. I also contacted XXXX XXXX whom a rep by the name XXXX XXXX at (XXXX) XXXX who explained that a bankruptcy was not showing on her end. I also received a letter from XXXX stating the timeframe required that the bankruptcy could not be verified accurately after a re investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Bank account or service (Other bank product/service) with SCOTTRADE BANK (CA).
Issue: Account opening, closing, or management

Complaint: I opened a Scottrade Bank account a while ago. Scottrade Bank closed the account without providing a proper explanation. I have requested an explanation from Scottrade but every time I call them they say they will only speak to customers and since my account is closed I am not a customer. 

I would warn others of this behavior, if you have any dispute with Scottrade, I would advise that you withdrawal all of your funds before brining it to the attention of Scottrade as it is likely Scottrade will place your money in limbo and not allow you access to it. 

Now Scottrade wo n't even respond to my complaints. If this is how a business treats customers, well, I will happily take my money elsewhere.

Company response to consumer: Closed
Consumer complaint received 04-08-2016 about Student loan (Non-federal student loan) with AES/PHEAA (MN).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Simply put, my student loan payment is growing to such levels that it will soon be larger than my rent payment. I am constantly falling behind in payments due to the sheer size of my monthly payment. As I make one to catch up on last month, I become late on this months, so to speak. These people REFUSE to work out another temporary forbearance as I have already used mine up. But explain to me how having a forbearance, and a job out of college that pays poorly, prepares you to make {$800.00} a month payments? Also after the sub prime mortgage meltdown, I could not find a well paying job for almost two years. I am not trying to avoid paying my loan off, I am trying to avoid not being able to afford marriage, children or buying a house before I am XXXX and already close to retirement. All I want AES to do, is to lower my payment, which is now almost 30 % of my monthly income, soon to be close to 45 %, and/or give me another temporary " hold '' on my loan payments to allow me to catch my breath at least.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: In XXXX 2016, someone used my credit card numbers fraudulently. I ordered XXXX, XXXX and Transunion credit reports which shows that on XXXX/XXXX/16 someone impersonating me obtained my credit report : On my Transunion credit report the most information was provided. It states that I order the report and the permissible purpose is : Consumer Request. The company that provided the report is Transunion Interactive XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, CA XXXX which is a wholly owned subsidiary of TransUnion LLC. Soon after, credit card companies were calling me about my request for credit and advised that all my personal information as well as SS # were provided. When I call both Transunion and Transunion Interactive, they stated that anyone can order the report under a number of websites and that it shows that I ordered the report online. I spoke with customer service, the manager and online department. The all stated that they could n't help me or figure out who obtained the report. What they did was to provide my credit report to an identity thief who also contacted the US Post Office to temporarily change my address to one in New York ( where I do n't live ) They did not help me and told me that it is just a soft request so should n't be a problem.

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