milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-01-2016 about Bank account or service ((CD) Certificate of deposit) with ALLY FINANCIAL INC. (FL).
Issue: Account opening, closing, or management

Complaint: I forwarded a check, in the sum of {$100000.00} to ALLY Bank BY XXXX # XXXX for the purpose of opening XXXX accounts, Check was received XXXX XXXX. Since then they have not been able to locate the funds or find out what is going on. 
XXXX supervisor advised that the money was received and that the accounts are being worked on - I asked that he e-mail info to me - but that was days ago and has not happened. 
I have been on the phone with over XXXX " supervisors '' at the bank, but all they want isthe answer to XXXX questions to identify me, DESPITE the fact that I was just transferred to them by the previous worker, who had asked me the same questions. Meanwhile, despite the promises of XXXX supervisors that they are working on the checks and will notify me " just as soon '' as the accounts are opened, I have heard nothing and I just might have fallen off the end of the world. 

I happen to owe ALLY Bank $ XXXX-XXXX on an auto loan but I have already advised them XXXX, UNTIL THEY HAVE FOUND AND DEPOSITIED MY {$100000.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (UT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Navient has bee n reporting late on my credit every month for the last 6 months  XXXX . I have not been late, I have been making a payment monthly, per our consolidation agreement. It has now been paid off through the program I was on but the late payments are still reporting. They told me multiple times they would be deleted because I have been making payments. I did as I was advised to do and I assumed you would follow through with your end. This is seriously affecting my credit as I have a f ew Navient loans repo rting and all of them have late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Mortgage (Other type of mortgage) with BAYVIEW LOAN SERVICING, LLC (NC).
Issue: Struggling to pay mortgage

Complaint: I have been trying to make contact with a individual via telephone and I am not able to speak to anyone. I am put on hold for several minutes. However, I am getting letters that they need funds before a certain date. I would like to discuss other payment arrangements but I am unable to do so. I have continued to make my monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I 'm unable to submit my dispute with Experian directly after many attempts I have 2 collection accounts reporting on my credit file that i have no knowledge of and I was not given a DV for any of these accounts I have no knowledge of these accounts 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 explanation
Consumer complaint received 11/16/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Making/receiving payments, sending money

Complaint: I submitted a dispute with BK OF AMER account Number XXXX. I have never had any affiliation with this debt. My son and my spouse battled XXXX simultaneously and unfortunately loss their battle and seeing the date on my credit report, this debt seem to have occurred during that time. Again, I knew nothing of this debt until viewing my credit reports. I have attached the case number with the XXXX Police Dept an incident report. This account has been on my credit report since 2007, I am asking Bank of America to release me of liability. They indicated that I made some payments. I have never made any payments and was not aware of any payments. I have accountable police reports that I previously reported to the police department in regards to my deceased son 's ex-girlfriend 's fraudulent acts in regards to me and my family that I have no problem submitting and that would be the only way any payments could have been made in which I would like my money returned. I have also attached my property tax document which shows my address in 2007 which is the year on the credit report. I have attached my XXXX XXXX Document which shows my address prior to 2007 and it has my signature. I am not familiar with the address associated with this account that Bank of America has on their application, nor phone etc. Please take notice, that my residences are not the ones on their application. The only reason the company has my address of XXXX XXXX XXXX XXXX is because I contacted them about the account and provided my address. I never signed an application, never received any benefits from this organization. Nor was I contacted because my credit report has a fraud alert and I was not contacted prior to issuing credit in my name. Now this organization is aware of my constant disputing of the debt and Bank of America have submitted this debt to the IRS as a charge off and IRS has sent me a bill for a debt of {$1200.00} in which I am not liable for.

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 09/28/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MA).
Issue: Settlement process and costs

Complaint: I was refinancing a mortgage with Ditech ( formerly Green Tree ). I requested a copy of the closing documents be made available to me at least XXXX hours prior to closing. Ditech refused to provide me with these documents. Because Ditech refused to provide these documents to me prior to closing, it took over XXXX hours to complete the closing because I checked the documents and compared them to my files. I had the time and XXXX to take the time during closing to do this. However, many people may not be able to do this. 

It seems to me Ditech 's refusal to provide me with these documents prior to closing is illegal. I have given them this feedback already. However, if this is their standard operating practice, they should be held accountable by enforcement agencies for breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/2018 " XXXX XXXX XXXX  '' ran my credit using a hard inquiry. 
Someone has been using my social security number and identification to apply for credit that I did not authorize or know about. I did not apply for anything on this date for this company. 

On XX/XX/2018 Equifax customer service told me that they could not and would not file a dispute for this hard inquiry that I did not authorize. And that I would need to have " XXXX XXXX XXXX '' contact Equifax directly and instruct the company to remove this hard inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Debt collection (Other debt) with Alliant Capital Management LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XX/XX/XXXX a charge was made in my name at a furniture store in XXXX, Illinois called “XXXX XXXX XXXX XXXX” in the amount of $XXXX. This was unbeknownst to me. As you will see in the attachment, I didn’t even live at the address that was used when this happened. The leasing company that found an approval for this fraudulent transaction was XXXX XXXX, which is located in XXXX, New Hampshire. My credit report says that this account was officially opened by XXXX   on XX/XX/XXXX while I was out of town working in XXXX, PA. Perhaps there was some sort of 6mo special that said no payments. I am not sure why that took a few months to show as “opened”. Even so, this account was not on my credit report until it went to collections in XX/XX/XXXX. I discovered this account when I did a credit report check on XX/XX/XXXX. I was of course shocked. This debt showed up under collections and the owner of this account was XXXX XXXX XXXX, located in XXXX, Mississippi. I called each company from XX/XX/XXXX-XX/XX/XXXX to begin a dispute process. XXXX XXXX sent me the identity theft affidavit to fill out. I got a police report filed on XX/XX/XXXX. I also opened a dispute with XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2016 about Debt collection (Mortgage) with The Law Offices of Daniel C. Consuegra (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: The Law Office of Daniel Consuegra XXXX located at XXXX XXXX XXXX XXXX XXXX, FL XXXX send me a document that looks like a COURT DOC with a case no. XXXX. XXXX XXXX XXXX XXXX XXXX sign the Document that apparently is Civil Lawsuit. However, it does not have a stamp from the court or it is not even notarize. Furthermore, most of the document is not even completed. The document claims that my wages at the XXXX XXXX ( where I work ) are going to be garnishee. I research the company and they do collections. XXXX XXXX and the XXXX have a habit of going after people and try to collect debts using illegal tactics. The Lawsuit is in reference to a house I lost in Foreclosure back in the year 2010 located in XXXX Florida because I could not longer afford the mortgage. The Plaintiff mention on the document is XXXX XXXX. Please investigate XXXX of these companies and stop them from continuing doing this type of practice and intimidate people like me trying to rebuild my life after such a huge economical lost.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Mortgage (Conventional fixed mortgage) with THIRD FEDERAL SAVINGS & LOAN ASSOCIATION OF CLEVELAND (OH).
Issue: Settlement process and costs

Complaint: we refinanced a mortgage with Third Federal in 2009. All payments made in full, never later up until we paid off early on XXXX XXXX. We were told to expect escrow refund approx. 
{$1600.00} with XXXX to 10 days before end of month. Have been calling since XXXX and were told stop pay would be issued and new check sent because we only received statement showing XXXX XXXX but no check. Have made over dozen calls, on hold for hours but no one will confirm that " lost check '' has been reissued. Can not fathom how a statement can be sent stating account is CLOSEDOUT if refund has not been issued. They keep putting me on hold to confer with " other depts. '' I am doubtful that any check was ever even issued for this refund and do not understand why this was not handled when loan was paid off in full on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I am a non-traditional college graduate and I graduated XX/XX/XXXX. I began making payments to XXXX XXXX XX/XX/XXXX and refinanced to a graduated payment plan with Navient XX/XX/XXXX. In looking at my current statement from Navient, I owe {$60.00} more in principal than I did when I started making payments 2 1/2 years ago. 
This is a FIXED RATE LOAN. Yet, Navient did n't calculate a payment structure sufficient enough to cover the interest, so they add the shortfall to my principal. Blatantly stated, they are cheating their customers and continuing to profit by adding this onto the balance. 
HOW is this legal??

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Today ( XXXX/XXXX/XXXX ) I went online and received my free reports except from TransUnion. I was denied access as they said they already gave me a free report for this year. Not so. 

Since I have had disputes with them before ( XXXX ) due to their errors, I do not intend to waste time and incur expense by sending them certified mail for resolve every time they make a mistake this year. I have attached a screen print of their refusal to provide a free report which may require cropping by you as to not reveal my personal identification in the event that you publish this complaint for the benefit of the public.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: After chapter  XXXX  completion my credit report now shows a balance on an account from   XXXX    XXXX . This is inaccurate and a violation of the federal court order. Please review the following documents. I recently completed my chapter  XXXX  and all creditors should be listed correctly with a zero balance.  Review  carefully and follow the law. Account should be closed and show  XXXX  balance.

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 12/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with WORLD ACCEPTANCE CORPORATION (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Has not received proof that the debt mentioned is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (KS).
Issue: Loan modification,collection,foreclosure

Complaint: I lost my job 4 years ago, so I tried to get help with a Hamp loan modification. Nationstar told me I was not in enough hardship and denied the modification. I had to file bankruptcy so I worked XXXX sometimes XXXX jobs to make my over {$700.00} house payments. I could not miss payments because of my bankruptcy. Now I tried again to get help because I ca n't find a part time job any longer. Again I was denied because not enough of a hardship. XXXX paycheck does n't even cover XXXX house payment. If XXXX or hamp is a federal program, why ca n't I get help now instead of when I get deeper and deeper in debt. I am XXXX XXXX XXXX old, and only have XXXX years on my loan. So what am I suppose to do?

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Experian Credit Bureau has a collection account listed on my credit report that was sold or transferred from the original creditor, XXXX XXXX XXXX, to the collection agency, XXXX. There is no date listed on the account of when the original contract with XXXX began. That date is XXXX XXXX, 2008. I have writtenExperian on numerous occasions to have them put this date on the account, and theyhave not done so. Please have them list this date as soon as you receive my complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Since Navient started administering my loans, all aspects were chaotic. First, I lost track of loans. Secondly, I was billed numerous times while still in school. Consequently, I believe I was being charged undue interests for numbers of time. Thirdly, even after I apply for in-school deferments, out of nowhere, I received billing statements of due payments.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Bank account or service (Checking account) with CITIBANK, N.A. (VA).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, 2015, I contacted Citi bank regarding fraudulent activities and requested to block my account from all credits and debits. On XXXX XXXX, 2015, I confirmed through online banking, the automated voice system from the customer service number and a live representative verified my account was blocked as requested. On XXXX XXXX 2015, my direct deposit was sent to Citi bank and instead of denying the funds to get sent back to my employer, they forced them into my account, which caused {$290.00} of my direct deposit to go towards the fees and charges form the fraudulent activity. When contacting through the phone I 've spoken to many representatives giving me different information, as well as XXXX stating on XXXX XXXX, 2015 at XXXX, that the funds will be forced into my account even If it is blocked from all credits and debits with fraudulent activity. Which is completely different from what every other rep has told me since my issue started. I was told that the block would prevent my funds from being taken by every other citi employee. Since this issue has occurred I have accumulated fees since I have not been given my funds back in a timely matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I bought my house with an FHA mortgage loan that is held by Carrington Mortgage. I lost my job as a XXXX after 5 years and was waiting to be approved for unemployment and we submitted a payment for that month -- -but it was not a full payment. We did this for a few months and Carrington accepted this. Then suddenly they told us they would no longer accept partial payments. We asked if we could be considered for a modification or a restructuring of the loan or even a repayment plan. We were told no, they would not work with us, they would not assign a dedicated contact and they began the foreclosure process. We were told the only option was to reinstate the full past due balance in one lump sum and we could not do that at the time. 

I believe Carrington is in violation of state and federal guidelines relating to the servicing and handling of this loan. I was told by a counselor that they are required to review and consider myself and my husband 's financial situation for all programs available to struggling FHA loan borrowers. They have not done so, and have denied us access to programs such as modification, partial claim, forbearance or repayment plan. Despite my request for consideration for these programs or some type of review Carrington has refused to work with me. 

Due to my unexpected loss of a job we struggled to make our mortgage payment but still continued to pay what we could each month while going through this hardship. My husband is working and we have the means to afford a fair and reasonable payment. But right now we are being told there are no possible options available, and I just do n't think that is right. We need some help to break through the brick wall that Carrington has put up against our family. We want to get this loan back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Debt collection (Credit card debt) with JPMORGAN CHASE & CO. (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I'm on social security and direct deposit and explained what your site say 's about about debt collectors and social security and I explained this to them every time and they keep calling. Two weeks ago they called after XXXX XXXX. And usually they call 2-3 times a week but my phone blocks unknown numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Mortgage (Other type of mortgage) with Ditech Financial LLC (IL).
Issue: Struggling to pay mortgage

Complaint: We had a 2nd mortgage which was sold several times and ultimately was sold to XXXX XXXX. During the recession XXXX we applied for mitigation of the second mortgage with them because our home was underwater ( still is ) and we were being harassed by telephone, mail and even had their representative come to our house several times and threated my mother in law. I filed a complaint and the harassing stopped at which time the mitigation was addressed and we made one final payment and the balance was forgiven as the mortgage company was given federal funds to settle cases like ours. 
I am extremely upset at this resurfacing 7+ years later through ditech which has been non responsive and disrespectful not acknowledging the fact that the 2nd mortgage was released by XXXX XXXX so many years ago. This has resurfaced and ruined my credit. We have made several attempts via calls and correspondence to communicate with Ditech Financial, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Arizona XXXX account # XXXX As a consumer we have no control over the secondary market selling bad paper to companies like Ditech . XXXX XXXX sold our closed 2nd mortgage file to Ditech for pennies on the dollar and now they are ruining my credit and harassing us to acknowledge a debt we do not have for a 2nd mortgage on a house that is XXXX underwater.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation