milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/25/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MI).
Issue: Application, originator, mortgage broker

Complaint: Greentree servicing is my current servicer. They told me on XXXX that my address was corrected and would be uploaded to the XXXX web site on XXXX. I applied for my refi in XXXX and we are still waiting for Greentree to do what they said they would do. They were pointing the finger at XXXX, so I asked them to send me something in writing saying they did their part on XXXX. I just received the mailing today and nothing says their job was done on XXXX as they repeatedly told me on the phone. The person I spoke with is XXXX and I think her extension is XXXX. This company is incompetent in keeping their word. I put in writing to them through email both on XXXX and again on XXXX and they never sent me any thing in writing saying their job is complete, they kept saying it over the phone and I asked for it to be sent in writing and now that I have the mailing there is nothing that says they completed the address. I am now on the phone with them and talking to XXXX out of XXXX, she was no help, interrupted and incompetent. I asked why it is so easy for them to cash my checks and not so easy for them to correct an address as promised. Please help. I have heard bad things about this company and need to get away from them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX and XXXX issued me a credit card from XXXX XXXX  I have never once used this credit card however they are reporting a balance of {$820.00}. 

Incorrect information and I want it removed from my credit account they are reporting bad things on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I went to XXXX XXXX ER on XXXX/XXXX/XXXX, I paid my co-pay during the visit. 

XXXX XXXX XXXX XXXX tried to use/bill incorrect insurance information ( XXXX XXXX XXXX ), when I 've had XXXX XXXX XXXX XXXX of Texas insurance since XXXX of XXXX. 

XXXX sold/contacted CommonWealth Financial Systems, they submitted my debt/account to collections on my credit report in XXXX of XXXX. 

I contacted CommonWealth stating I had insurance, they worked with XXXX to resubmit a claim to XXXX of Texas. 

XXXX of Texas denied their claim stating the submission was XXXX months past service date, and I was liable for {$0.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2016 about Mortgage (Conventional fixed mortgage) with Business Starters, Inc (NC).
Issue: Application, originator, mortgage broker

Complaint: The mortgage broker caused me to lose {$1200.00} because of their incompetence. They misfiled paperwork and ignored my calls questioning why I was n't hearing back from them with any information. After finally looking into the matter they found that the paperwork was " misfiled ''. I had to pay an extension fine of {$370.00} to HUD for a 15 day extension in which I asked the brokerage firm to give me priority so I could close before the end of the extension. That closing date came and went and I had to file for another extension ( {$370.00} for another 15 days that HUD allows ) and that closing date also was not met. HUD must have the paper work to them 5 days prior to closing date or prior to end of extension to complete their end. In the meantime I also paid for the bank 's appraisal at {$510.00}. So when they were not going to meet the extension deadline for the 3rd time, my realtor asked HUD to work with me if I were to find a different mortgage broker and they said they would let me as long as I paid another extension fee. Which would have actually been 2 more as a new mortgage takes 3-4 weeks and the extensions for HUD are only 15 days each. I asked the original mortgage company to pay me for my loss and they told me no.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have placed a fraud alert on my credit report and I have several inquires that I did n't give consent to run my credit on. Please remove them from my credit report as I have no knowledge of these inquires and gave no permission to run my credit. I have contacted the credit bureaus to have them removed and have been unsuccessful.

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 01/24/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: XX/XX/2017-Refinanced higher interest loans while leaving lower interest loans by using XXXX for the total amount of {$190000.00}. 
Navient incorrectly received and allocated funds to loans that were paid by XXXX. 

After 2 months of reaching out to Navient to correctly allocate payments, Navient finally allocated the missing {$25000.00} of payments from XXXX to the correct loans. 

However, in doing so, Navient has now increased the principal amounts of other loans that were not refinanced by almost the same amount, {$24000.00}. Existing loans that were not part of the refinance now have incorrect principal amounts greater than the original amounts. This is a clear and blatant action from Navient to falsely alter other loan balances. I have proof of all loan balances before and after Navient 's adjustment that were illegally changed without my approval or knowledge. 

Navient continues to refuse my claims of improper payment allocations and refuse to accept any evidence to support my claims. I have taken screenshots, printed PDF copies of all my loans during the refinance process.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Some one stole my Identity theft and opened an account from XXXX XXXX of Georgia. This is the second collection agent trying to collect this debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Vehicle loan or lease (Loan) with TOYOTA MOTOR CREDIT CORPORATION (UT).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: XX/XX/18 Regarding Toyota Motor Credit. We had not received our statement by the time the payment was due. I contacted the company and they said that they only send out statements as a courtesy and I have to request a statement/bill be sent. They have been sending out the statements for two years. I have no way to mail my payment without a statement to send with my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2015 about Payday loan () with Moneytree Inc (CO).
Issue: Charged fees or interest I didn't expect

Complaint: This where I draw the line these folks knew I was a veteran, and dislocated worker and when they jacked up the fees. I did pull back because there is no way in XXXX I am paying that. Now too many months went by.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (AE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am a soldier in the XXXX XXXX XXXX, in 2011 while I was in training at XXXX XXXX XXXX I purchased a wireless hotspot from the telephone company XXXX. After I was done with training I PCS to XXXX XXXX XXXX where XXXX did not offer the option of a hotspot so I was able to cancel my contract under that fact and also under the SCRA Act ( Servicemembers Civil Relief Act ), without the penalty of a cancellation fee. This was not done even after the fact that i had fax in all the required documents. I have tried numerous times to resolve this issue with the debt collectors but they are not willing to accept just my military contract showing that i was stationed in XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-11-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage interest rate and payment with Nationstar Mortgage increased XX/XX/2015. I requested on XX/XX/XXXX, a reason why I was never notified of any pending increase and was told that on XXXX/XXXX/15, I was sent a notice that my rate would be increasing. I asked for a copy of that notice on XX/XX/XXXX since I never received it and still to this day I have heard nothing. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Consumer Loan (Vehicle loan) with Friendly Finance Corporation (GA).
Issue: Managing the loan or lease

Complaint: payment are not bein applied as should. Threaten phone calls.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Vehicle loan or lease (Loan) with FORD MOTOR CREDIT CO. (OH).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: ACCOUNT AUTO LOAN # XXXX Agreement Dated : XXXX-2015 It has come to my attention that the Promissory Note/Agreement which I executed is an unregistered security and that it may have been sold, traded or assigned in violation of state statutes. 
It was requested in writing to FORD CREDIT, to provide me with certified copies, front and back, of the original Promissory Note/Agreement which I signed and presented to the Bank in this transaction. 
The lawful authority which I authorized the Bank to engage in, the sale of an unregistered Security, in this transaction as an unlawful sale of an unregistered security in violation of state statute*. 
It has also come to my attention that shortly after the closing, that the Bank deposited said Promissory Note as a cash item and ledgered said Note as a liability in the banks Payables Account and identified ME as the Creditor in the account. A G.A.A.P audit was to be notarized and was requested for verification. No such Audit was ever received. 
It is also my understanding that the Bank/FORD CREDIT, in accordance with GAAP, may have ledgered the Mortgage, as an asset in the banks Receivables Account and identified ME as the debtor in the account. A G.A.A.P audit was to be notarized and was requested for verification. No such Audit was ever received. 
It has come to my attention that the Promissory Note/Agreement which I executed may have been altered as I asked for certified/notarized copies. 
It has come to my attention that the endorsement of said Promissory Note/Agreement for funding the loan may have been done by FORD CREDIT, and is in violation of state statutes and was not disclosed. 
In other words this auto loan by FORD CREDIT was pre-paid with my credit ; there was never ANY LOAN, only purporting a loan existed. In other words *VOID AB INITIO . 
The term void ab initio, which means " to be treated as invalid from the outset, '' comes from adding the Latin phrase ab initio ( from the beginning ) as a qualifier. 

*UCC 3-104 ( a ) & ( c ) and UCC 105 ( a ) ( c ) makes it clear that I was the Issuer, Drawer, Maker of the Note that I executed, giving it value, at the closing, while UCC 8-102 ( 12 ), ( 15 ), ( 9 ) and UCC 8-105 leaves no doubt that I am the holder of the entitlement right to the funds. I am the Creditor and entitlement holder with the authority to issue Entitlement Orders as concerns this transaction and/or this account. 
I also requested : All payments paid to date will need to be sent back to me, the address listed on the Agreement, estimated at {$7300.00}, US Dollars as this loan was pre-paid with my credit. *VOID AB INITIO. 

All responses from FORD CREDITs employees, were not substantiated and all to be considered hearsay.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (MD).
Issue: Struggling to pay mortgage

Complaint: The alleged mortgage servicer has contacted XXXX XXXX XXXX XXXX to initiate foreclose on my property. This concerns me because I 've never received any information in the mail that my note had been sold nor I have I seen a copy of my note bearing any signature that would support the claim that This XXXX XXXX XXXX XXXX XXXX represents. Trust name : XXXX MORTGAGE PASS-THROUGH TRUST XXXX MORTGAGE PASS-THROUGH CERTIFICATES, XXXX XXXX. 

The Trust claims it owns the note by way of transfer from XXXX, XXXX, Depositor XXXX XXXX LOANS, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SERVICING LP,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Checking or savings account (Other banking product or service) with ALLY FINANCIAL INC. (IL).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: Ally Bank recently has changed required operating system for mobile devices to the XXXX XXXX or higher. 
I bought few months ago my " mobile device '' aka smartphone with XXXX XXXX. The device was fully compatible with Ally mobile app back then, but now since it is impossible to update my phone ( most android phones are un-upgradable by design ) I ca n't use their mobile app. Ally Bank is an internet bank so mobile app is virtually essential for banking with the Bank. 
The Bank claims security as reason for the change but it means that clients, like me, can be arbitrary forced to buy new smartphones every few months. My smartphone works fine, was working fine with the old Ally Bank app and I suspect it can work fine with the new app too.

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 06-09-2017 about Debt collection (Other debt) with Stellar Recovery, Inc. (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Stellar Rec has previously tried to collect a debt from me which I do not owe. Further they add it to my credit report as if it is a new debt, thus, re-aging the debt as a new one. This is a nefarious tactic they are using to compel me to pay them off. I have initiated dispute alerts with all credit reporting agencies and spoke with a Stellar Rec agent, today.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I received a fraudulent check from a scammer for a bogus job. I deposited the check into my  Wells Fargo bank checking account, The next day, I called the bank,  check my account and asked the banker if the funds were clear and available. I was told yes " the funds are clear and it is available ''. I withdrew  XXXX  out of my account and deposited it into the scammers  XXXX   XXXX   XXXX  account at   XXXX    XXXX   XXXX .  Two days later I received an email from Wells Fargo bank stating that the check was fraudulent. Wells Fargo with drew  XXXX  +  XXXX  dollars out of my account, which emptied my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Checking or savings account (Checking account) with NAVY FEDERAL CREDIT UNION (NV).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: In XXXX my family and I was living in a shelter someone there stole my bank card we was required to give our bank cards to staff to put away we was supposed to save money to get our own place in XXXX I went to staff to get my card and they stated it wasnt there I checked my online banking to see that my card has been used I called Navy federal and made them aware of the situation they said I had to make a dispute which Ive never done before I tried disputing everything but was told everything didnt post and to call back to dispute all the charges that didnt post so I had to call to dispute the remaining when I called I tried disputing all the rest which I thought I did but I guess I missed things that I thought I disputed in the first dispute my claim was denied and account closed because they said I failed to mention those other transactions that happened in between I tried explaining the situation to the lady who had the case and she didnt even care that I was victim I asked to speak to a supervisor was told I would get a call back no call I emailed the CEO and never heard anything back from them it is said I owe XXXX dollars to navy federal due to this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: There is an address listed on my credit report which I have never lived at, and as far as I am aware does not exist in my town. The address is XXXX XXXX XXXX # XXXX # XXXX XXXX XXXX MO XXXX I have contacted the credit Bureau Experian about this several times by letters and phone calls. the response I keep getting is that the address has been verified ( You can not verify an address as mine I have never lived at ) and they can not remove the address from my report because there is an account associated with that address. I asked the " dispute speacialist '' what is the account supposedly associated with that address and was told " they will send me a copy of my credit report and I can find out for myself ''. How can I have an account associated with a non existing address? Today over the phone I was told from the same " dispute speacialist '' that it doesnt matter what address is on my report the addresses do n't matter anyway. If addresses do n't matter to them then why wo n't they remove it? Because it does matter to me.

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 12-08-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MN).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I emailed XXXX on XX/XX/XXXX about setting up automatic payments. I received no response. 

I used the chat function on XX/XX/XXXX. I was told my application for automatic payments had been received and was being processed currently. 

Today, XX/XX/XXXX, I received an email that said there was no application on file, and to set one up. 
I went to the website, and it still said my application was sending. There is no way to create a new application when one is pending.

I am very frustrated with the incompetent people working at XXXX. One of them was not telling the truth. The application is either there or not. 
Please fix this. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Keep getting harassment calls from my mortgage service company Seterus , Inc. My mortgage is due on the XXXX of each month and late on the XXXX. Continuously receiving calls from this company even though the terms of mortgage payments are being met. Mortgage is usually received between the XXXX and XXXX of each month which is within payment requirements. I have asked this company on numerous occasions to cease and desist with this unwarranted and harassing calls but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Customer service / Customer relations

Complaint: A company hired to help us raise our credit scores ( which did not happen ) filed customer disputes " on our behalf ''. We are trying to qualify for a new mortgage ( to downsize to a much smaller mortgage ) and need disputes off our credit file. A dispute was filed with Macy 's and I can not reach a live person. The other dispute with CitiMortgage is supposedly being deleted, but we need Macy 's to remove the dispute soon! Their automated " customer service '' is anything but.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have received several recent inquiries on my credit profile that I did not initiate. The credit reporting agencies did not protect my file by instructing the companies that i must be notified first before viewing my credit.    XXXX  Date of request  XXXX / XXXX / XXXX   XXXX   XXXX  Date of request  XXXX / XXXX / XXXX    XXXX   XXXX   XXXX   Date of request  XXXX / XXXX / XXXX    XXXX   XXXX   XXXX   Date of request  XXXX / XXXX / XXXX   XXXX   XXXX  Date of request  XXXX / XXXX / XXXX   XXXX    XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX

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