milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-09-2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (IL).
Issue: Application, originator, mortgage broker

Complaint: I am shocked that XXXX XXXX XXXX has refused to review my complete modification packet despite being told to submit a new packet while my appeal is being reviewed. Apparently, they are using my active sale date for XXXX XXXX against me even though they were aware of my sale date since I constantly voiced my fear of losing my home. However, I provided all documents needed for a modification review but XXXX does not want to move forward and review my loan. I have an appeal letter currently under review with XXXX and was promised to have a rush review due to having the active sale date. But again, XXXX is using it against me that I did not submit my modification packet before the 37 days but how can I summit a packet when my appeal is under review? Clearly, I am being set up for failure to ensure I lose my home. When I submitted my appeal I was told the sale date would be canceled if a decision was not reached or if it was I would still be able to resubmit. They lied and the appeal assures they will not move forward with a foreclosure should one be pending. Moreover, I was advice by agent XXXX ID # XXXX that in order to have my sale date put on hold or suspended I needed to submit a complete packet. Obviously, I because suspicious because the appeal states after the outcome I would have 30 days to re-apply but yet she requested I immediately submit a packet since the decision for appeal was pending. Now, because I submitted the packet they are using it against me despite having my appeal under review. This is grossly unjust and they need to stop doing this to struggling home \owners such as myself. I am in shocked and absolutely angry with the way they set me up to fail. I am in tears because as a single mother you can only imagine the XXXX I am experience at being left homeless.I have and continue to do everything XXXX has requested of me. The modifications offered in the past where not affordable and was told they would be reviewing me for the HAMP Tier 2 and not to worry. I am reaching out to you as my last desperate attempt to help me. They need to stop my foreclosure date as told and considered for the HAMP Tier 2. Please I hope you help me and I do not lose my home. Thank you so much for listening and helping me with this.

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 08-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because TransUnion has ignored my request to provide 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 611 ( 5 ) ( A ) 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 02/13/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I am disputing acredit card Idid not apply for I received it at Sears They said it was a gift Idid not recieve any application for this And I paid my card off in 2014 but I keep getting billings for this and I did not use this card My payments keep going up and up my bank history payments on this card are over XXXX Plus XXXX XXXX Now they have even tried to give me a number ending in XXXX. No card with this Number my card number is XXXX XXXX XXXX XXXX I refuse to pay anymore payments on this card

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ONEMAIN FINANCIAL HOLDINGS, LLC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: This is a complaint against XXXX, inquiry date : XXXX XXXX2017. I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Debt collection (Other debt) with Credit Protection Association, L.P. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: In an effort to have this collection agency validate this alleged debt I disputed ir thru the credit bureau. Within 48 hours ir came back as verified from the company Credit Protection Association. I asked how was the account verified? I have not received any written copy of the validation. I proceeded on and filed 3 cimplaints rhru the BBB each time this company refuse to send me validation of the alleged debt and state in their response that they do not have any information on 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 explanation
Consumer complaint received 06/24/2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Hello- I began paying Ditech additional money towards principal beginning XXXX 2016. I sent XXXX checks. XXXX for my normal payment and XXXX with principal written on the memo section. The mortgage company misapplied my payment. I had to call 3 times in XXXX to have it resolved. I let them know I planned on paying extra each month and to always apply extra to principal. I was assured this would be ok going forward. I then paid my XXXX payment on the Ditech website and indicated the extra amount should go to principal. The payment was again misapplied. I 've called them now 3 times in XXXX to resolve. The mortgage has been applied as of XXXX XXXX. The payment was made XXXX XXXX. However the extra {$500.00} I paid is now sitting against " late fees ''. There are no late fees due on the account. I am worried about the mismanagement of my account and afraid I 'm not receiving the proper credit of payment. I can not call 3 times each month to instruct how payment should be applied. The mortgage company should be able to handle extra principal payments. This is a normal occurrence in the mortgage world. Also my loan is a fixed rate. They have been listing me as a variable rate the last 2 months. My contracted paperwork is for a fixed rate loan.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Mortgage (Conventional fixed mortgage) with PLANET HOME LENDING, LLC (IL).
Issue: Application, originator, mortgage broker

Complaint: I am still having problems attempting to get a pay off quote from Planet Home Lending, PLH ). This began last month, XX/XX/2017, and again, I requested a pay off quote on XX/XX/2017. 

I called XXXX XXXX, a loan servicing supervisor with PLH last Thursaday, XX/XX/2017 and Friday, XX/XX/2017 and left voicemail messages for her requesting the pay off quote. My new loan officer also requested a pay off quote last Thursday ; neither of us have received a pay off quote. In addition, I also requested a copy of the pay off quote XXXX XXXX claims that was sent last month. Again, I have not received anything. 

PLH continues to delay my opportunity to refinance my mortgage, again costing me money. 

Thank you.

Company response to consumer: Closed
Consumer complaint received 06/30/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have been calling Navient for weeks now in an attempt to lower my payment. I lost my job and am unable to make an astronomical payment. They are refusing to lower the payment amount. The Ombudsman will not return any of my voicemails. I do n't want to default but I ca n't pull {$400.00} a month together without a job and they are n't willing to compromise at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/15/2017 about Debt collection (Other debt) with Kimball, Tirey & St. John LLP (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: There are many sides to this complaint. I will list them in numerical order. 

1. We proved to Kimball, Tirey and St. John Law Offices via pay stubs ( Military terms XXXX ) that the rent was paid in full, and in fact, was over paid for the month of XXXX 2011. We sent in proof, not only to them, but to the original creditors XXXX XXXX XXXX XXXXXXXX XXXX in XXXX XXXX, CA. 

2. We have spoken with the housing office for the military and they confirmed the rent was paid in full. They stated we should have XXXX XXXX XXXX XXXXXXXX XXXX contact them to confirm. The manager stated, when we told her this, ( numerous times ) that it was n't her job to call and that they had no proof of payment. She kept requesting a receipt or cancelled check, but that was impossible, since the military included our rent in our paycheck and it automatically went to them every month through XXXX. 

3. We have provided proof twice to Kimball, Tirey and St. John by providing official copies of the XXXX. ( XXXX XXXX XXXXXXXX XXXX ) provided to us by the military. We asked them for proof that it was n't paid, so we could submit that to the military, so they could pay for it out of our XXXX if for some reason our statement and their statement showed differently. The only thing they could provide for me was a signed piece of paper from XXXX XXXX XXXX XXXXXXXX XXXX by the manager stating that rent was due for the month of XXXX, 2011. They could not provide any official proof. 

4. The amount they are stating is owed is {$1800.00}. We have proven to them that they received the entire amount for the whole month of XXXX, 2011 in the amount of {$1900.00}. We overpaid and never got our check for the overpayment. 

5. We recently contacted XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX and spoke with XXXX XXXX who confirmed this debt was paid and said he spoke with Kimball, Tirey and St. John Law Offices to tell them to remove the debt. 

6. Since then, I have filed with XXXX and XXXX ( working on XXXX ) to ask it to be removed and Kimball, Tirey and St. John Law Offices responded, saying debt was valid.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (OH).
Issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/2015 I received an overdraft fee in the amount of {$35.00}. I was told by the manager at the XXXX branch that it was caused by the XXXX XXXX preauthorized debit. As you can see on Document # 1, XXXX XXXX was posted to my account on XXXX/XXXX/15. Then on XXXX/XXXX/15 I was able to withdraw {$130.00} out of my account because I had sufficient funds available. As you can see, on XXXX/XXXX/15 I had a balance in the amount of {$5.00} which would have covered the XXXX XXXX transaction. Once again, this a plot to take money from the consumer. I asked the manager what time did the preauthorized debit post, she did n't have an answer but she told me what time ALL the other transactions posted. The bank is refusing to give timestamps for preauthorized debits just so they can get the overdraft fees. As I explained to her as well if XXXX XXXX was the transaction that overdrew my account, then why does n't it reflect on my statement. There are no parentheses showing that my account was in the negative at any given time. Anytime your account is in the negative, it will have parentheses around that item. So either way this is deceptive practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (LA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The original financing was, between and my husband at divorce, the judge award the property and declared that, My ex-husband was responsible for the mortgage and he had full ownership of the property. My credit report states, that the original payment was paid off 100 %, but, I received a letter, asking if I would like to keep the property. I just need to bring the note current. The credit report, also states that the account was a charge off and that a dispute was filed by the grantor ( s ) US BANK and resolved by the grantor ( s ) US BANK.It is hard to do a investigation, without all parties being involved. I never opened a investigation. And now, I received a call stating the property was being sold, to the highest bidder. 


I have a mortgage reporting information, that is not accurate and the credit bureaus are reporting information, that has been verified. The credit bureaus are required to have the original contract/agreement in their care and retain that information, during the entire reporting term and thereafter. They have never had any documentation, prior to reporting and have incorrect information and as protection provided by the fair credit reporting act, if it is not accurate, if must be removed and never reported, thereafter. 

The mortgage, also contained mortgage insurance, that would cover the mortgage for a year, if the home owner became unemployed and/or a hardship and notified the lender that, there was a hardship and would be unable to make the current payments. The lender charged additional monthly payments, to cover the cost of the secondary insurance, but did not collect the benefits, that were due them and the home owner. Therefore, the late payments, were not accurate, as the insurance should have covered the payments. 

Everything about this reporting, is not in compliance and illegal. 

I am not responsible for the property and the mortgage. The lender is in violation of a court order and has completely, disregarded the courts ruling and has stated they " I have to pay for the property and the courts and no authority over the transaction and the lender ( us bank ) has authority over the courts. 

The property address for the mortgage/loan is XXXX XXXX XXXX XXXX XXXX, XXXX, LA 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
Consumer complaint received 03-05-2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I did not receive a notice that I even owed this debt. I do n't even know if it is mine

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 02-08-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: bank of america card #: XXXX XXXX XXXXA purchase was made online for rental car insurance for the amount of XXXX.  The coverage was canceled by me, and an email was sent to me from the providor of the services that a credit would be applied to my account.The refund policy as explained on the sales order, is that refunds will be processed in full as long as it is canceled before date and time of service, which can be seen in the sales order and email.Bank of America is refusing to further pursue the claim stating I do not have a valid credit slip from the merchant.I have supplied them with a copy of the email stating the cancellation with credit, the return policy etc..  They refuse to issue me a 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 09/22/2016 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Closing/Cancelling account

Complaint: We worked with a debt settlement company to resolve credit card debt with XXXX or XXXX credit card companies. We tried to work with the card companies directly but they refused. There was never any late payments before we turned the accounts over to the settlement company beginning in XXXX. We completed the payments by XXXX. The card companies sent XXXX forms for our income taxes and we paid over {$5000.00} dollars in federal taxes to settle these accounts. The balances however remain on our credit reports. We would like these balances removed as they are no longer part of our debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-07-2016 about Student loan (Federal student loan servicing) with ACS Education Services (NY).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have XXXX loan servicers. ACS and XXXX XXXX. I sent them both the same application packet with my pay stubs so they could get a picture of my situation. XXXX XXXX used this information correctly and thus provided me with the correct monthly payment amounts, which I am paying. ( XXXX $ /month ). 

ACS came back with a payment that does not, in any way, reflect my income situation at the time the Income based Repayment plan application was submitted. ( $ XXXX dollars ) This is the second year in a row that I am having this problem with them. Last year it was the same starting point as that of what I am dealing with now and last year, after going through hoops, it ended up being XXXX $ per month. ( Finally, the same as what XXXX XXXX calculated my payment to be for XXXX initially. ). I 'm making a little more money now as reflected in the XXXX payment that I make to XXXX XXXX. But, it 's the same story with ACS for some reason. Why do I never have this problem with XXXX XXXX??? They need to use the same income information that XXXX XXXX used. That is federally mandated! It is the SAME federal repayment program used by XXXX companies and the same exact information was sent to XXXX of them. The only difference was I replaced each company 's name on the fax. 

I should not have to go through this two years in a row. This signaled to me that something is up at ACS and they need to be aired out.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (MO).
Issue: Unexpected or other fees

Complaint: XX/XX/XXXX2017- So I am wanting to take my virtual currency and transfer it to my wallet on my computer and save it there to where it is safe and when I do this it says I do n't have enough to transfer cause they wan na charge a network fee here is a screenshot of the transaction that I want done ... 




I have attached a pic of me trying to get my currency to be transferred to my Bitcoin wallet on my computer.. 



I put in {$20.00} with my bank and they say I wo n't get that for 5 to 7 days.. 

I also put in {$20.00} with my debit card I lost {$4.00} since I have had my currency in the market.. I want to now take what I have left and to put into my bitcoin wallet on my computer and this is the result they are robbing people ... If I had {$33.00} as you can see is {$18.00} for just a network fee.. This is absurd I want to take my money out!! So I now I will have no choice but to try to get my money back into my bank account which they will charge another {$1.00} fee so basically when it is all said and done they have robbed me and I just wan na get what I have left I am done with doing business with this company! But from what my friend says this is the only way to get my money into currency to trade with all the other cryptocurrencies there has to be other companies that wo n't XXXX us.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was sold to Ditech in XXXX XXXX. At that time my mortgage was paid up one month ahead. I continued to make my payments to Ditech each month despite being one month ahead to carry that cushion but my payment in XX/XX/XXXX was applied all to principle instead of principle, interest, and escrow. As the result, Ditech sent me letters stating I was late yet I paid every month. The continued to charge me late payment fees and sent late to credit bureaus. In addition, I request that my escrow impound account gets cancelled so I can pay my taxes separate ( which I had previous done prior to my refinance in XX/XX/XXXX ) yet, Ditech rejected my request stating " value of property is n't 80 % of the principle balance ''. Apparently, according to Ditech they went off an old XX/XX/XXXX Deed Of Trust ( reflecting value at {$240000.00} ) which is n't correct. I sent Ditech a copy of XXXX XXXX Tax Board XX/XX/XXXX current value of my property {$280000.00} to {$300000.00} they have yet to respond to my second written request. Yet they have increased my mortgage payment {$80.00} citing increase in property increase, which indicates my value has increased. Again, when I purchased my property I did not have my taxes impounded until I refinanced XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2016 about Debt collection (I do not know) with Stellar Recovery, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX HAS CONTINUE TO REPORT AND ACCOUNT THATS NOT MINE THIS IS BEING REPORTED TO XXXX, XXXX XXXX THIS INFORMATON IS INACCURATE!. LOWERING MY CREDIT SCORES

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TENET HEALTHCARE CORPORATION (TX).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: On  XXXX / XXXX /  XXXX  , I paid my hospital bill through Central Financial Control in the amount of {$230.00}, confirmation #  XXXX . I have been alerted through my ID Alert monitor-credit monitoring as a Federal worker that the Central financial control reported to my credit bureau that I still owe them money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation