milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/28/2017 about Credit card () with DISCOVER BANK (AZ).
Issue: Customer service / Customer relations

Complaint: disputed charge.Sent documentation that I thought was pretty conclusive. Discover cavbalierly dismissed complaint with no further investigation. I want the charge reversed or at least examined in much more detail. DISCOVERXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Mortgage (FHA mortgage) with PHH Mortgage Services Corporation (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced my FHA loan in XXXX XXXX. For one year of payments to the current servicer, PHH mortgage, all payments in the same amount and paid at roughly the same time, typically at least 15 days in advance of due date, were applied to interest, principle, escrow, PMI and additional to principle. Suddenly in XXXX XXXX, this all changed and my payments were being applied all to principle, none to any other categories. I made an additional payment, which I did suggest to leave as principle payment, at this point I was by their own agreement paid to XXXX. I made my XXXX payment on the XXXX of XXXX, I had received notice that there was a escrow shortfall, and the payment amount was re calculated. I made a separate payment of the amount of escrow shortage. Once again, the XXXX XXXX payment was credited in full to principle, not against the XXXX payment due. I have complained, nothing is changed, and I just received a collection call from this lender. PHH is the same predatory lender that I thought died in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: Payment was made on XXXX XXXX, 2016 and still have not credit my account. 
XXXX Ditech Logo BUY A HOME HOME REFINANCE CALCULATORS RESOURCES MANAGE MY ACCOUNT LOG IN UPGRADING OUR SYSTEMS IN XX/XX/XXXX Home / Upgrading our systems in XXXX We 're making improvements We 're improving our systems to serve you better. 
We 're upgrading our systems! 
Thank you for your patience. 
Ditech is in the process of upgrading our systems. When this work is complete, our customers will experience more efficient service through expanded capabilities like : Faster billing statement delivery Improved online payment options Digital alerts through text or email Free automatic payment plans On Friday, XXXX XXXX, your account access will temporarily interrupted as we install these upgrades. 

Customer service phones & online systems will be unavailable on Friday, XXXX XXXX As part of a planned systems upgrade, the XXXX online service, our automated phone menu, and the customer service call centers will be closed on XXXX XXXX, 2016. Ditech will reopen for business XXXX XXXX and on that day our customer service center will stay open until XXXX XXXX CST to serve you. 

XXXX account data may be unavailable in MyAccount until XXXX XXXX XXXX XXXX XXXX, you will be able to access your secure information in MyAccount. However, for some customers, the information shown there will reflect only Ditech mortgage loan activity as posted through XXXX XXXX, 2016. Any payments made on or after XXXX XXXX, 2016, may not be visible in your transaction history or your balance until XXXX XXXX. 

Payments made on or after XXXX XXXX will post on the date received If you make a mortgage payment on or after XXXX XXXX, 2016, we will post your payment effective the date it was received. Your up-to-date account information will be visible in MyAccount on or about XXXX XXXX. We will post all payments received on XXXX XXXX with an effective date of XXXX XXXX. 

Thank you again for your patience. We expect these upgrades to improve our service and your experience with ditech. 

ditech, a XXXX company XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Debt collection (I do not know) with ConServe (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I got a new cellphone number, last person who had number is the debtor. I have been getting calls over the years regarding debt-told them to stop. They stop & start up some time later.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I tried to sign up for the XXXX bureau credit monitoring system offered through XXXX website. However, I was unable to complete the transaction due to a block ( notice ) on my Experian report. The notice reads " The issue date of the Social Security number that you gave us when you contacted us is not verified by the Social Security XXXX ''. When I contacted Experian to fix the issue, they told me nothing could be done. My SSN was issued XX/XX/XXXX. Since XX/XX/XXXX, the Social Security XXXX changed the way they issued SSN to increase security and consumer protection. As such, many companies, including Experian, can no longer validate my SSN. I can not understand why I am being penalized and denied service because a safety featured implemented by SSA. I would like to request that Experian remove this notice from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Debt collection (Other debt) with ERC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I receive a notice from XXXX XXXX in XXXX that XXXX XXXX XXXX have place a XXXX bill in collection for {$290.00}. First i never received a validation notice to inform me of this matter before they just place the account in collection and on my credit report. I immediately sent them a I demand to see Verifiable Proof ( an original Consumer Contract with my signature on it.This company has reported this collection account to XXXX XXXX and XXXX XXXX that stated I owe them in the amount of {$290.00}. I have received a return mail letter stating this account is valid. However they did NOT send adequate information that needed to validate this debt. I asked for the original contract with my sign date and signature. They just sent me a bill

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: two accounts of mine ( XXXX XXXX acc ending in XXXX and XXXX XXXX  acc ending in XXXX ) are reporting inaccurate lates on one occasion, i have already called and also disputed these inaccuracies from the bureaus and also from the creditor itself.
i have received letter from he creditors basically agreeing to remove those inaccurate information, lates from my credit report due to banking error. please have all the bureaus remove this inaccurate information.
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 06/26/2017 about Debt collection (I do not know) with Credit Protection Association, L.P. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I discovered on my credit reports a collection from Credit Protection Associates. I had never heard of these people and have no idea what this debt is. I read The Fair Credit Reporting Act and The Fair Debt Collection Practices Act to find out what my rights are. The debt collector is required to provide accurate, verifiable and timely information to the credit bureaus. The credit bureaus, on my request, initiated an investigation into this matter as per FCRA. I received a letter from Credit Protection Associates ( attached ) that they can not verify the account as " true or false '' so they are placing " on hold ''. This is not an option. They either validate this on demand or they MUST delete it as it is not accurate, not verifiable. THEY ADMIT THEY CAN NOT VERIFY THIS. They are in CLEAR violation of Federal law! This must be deleted from all credit bureaus and attempts to collect must cease and desist. Also note on their letter no where does it mention " this is an attempt to collect a debt '' nor spell out my rights to dispute. ADDITIONAL VIOLATIONS OF FEDERAL LAW!

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 06/15/2016 about Prepaid card (General purpose card) with NETSPEND CORPORATION (PA).
Issue: Fees

Complaint: I signed up with net spend and then signed up for their direct deposit depositing well over XXXX a month. I also was told by ace checking cashing to enroll in plan that charges flat fee each month where I wo n't be charged per transaction. I never pay attention to my net spend account until lately in which I noticed they been charging me a dollar per transaction when I called their customer service to be enrolled in flat fee each month. They are refusing to listen to call and refund me. The second card I got I automatically called and did the same thing and enrolled in XXXX this year. If there rep made a mistake and did n't enroll me not my fault and they need to refund me. Tired of this company that has nothing but foreign people who do n't speak good XXXX and who are rude as ever

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Debt collection (Credit card) with Meyer & Njus, P.A. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX/XXXX/XXXX I had an agreement with Meyers and Njus to pay {$1200.00} amount was paid in full XXXX/XXXX/XXXX. XXXX/XXXX/XXXX they are telling me I still owe the {$56.00} in interest that was not in the agreement. The FDCPA states they ca n't add interest, fees, or charges not authorized in the original agreement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On   XXXX   XXXX   XXXX     I received a credit card offer from  Chase Freedom  through  XXXX , and on   XXXX   XXXX     XXXX   XXXX   XXXX    through  XXXX  because my score was  XXXX .   The advertising states they would do a soft pull on your report and it WOULD NOT affect your score. They do n't explain that they later do a hard inquiry to the Consumer. I spoke with Chase and   XXXX   XXXX   XXXX   and they both told me they would not change it to a, Soft pull. However  XXXX  advised me that they could change it where it would not affect my score. By them doing a Hard inquiry my score dropped to  XXXX  by  XXXX  points, I am very angry, Had it been properly explained to me that an initial Hard inquiry would follow I would not have applied. This hard inquiry will remain on my report for 25 months, which is utterly ridiculous. This is completely deceptive practice and  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Student loan (Federal student loan servicing) with Delta Management Associates, Inc. (IL).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Delta Management Associations called and I agreed to pay {$5.00} a month back to be in a program called " Financial Disclosure For reasonable Affordable Rehabilitation Payments ''. I filled the paperwork out and included my pension pay stub, then they begin calling daily sometimes more than once a day. Next I had to refill out the paperwork a second time & re mail it back. Now they are saying they do n't have my pension pay stub and I ca n't be in the program. I 've made XXXX payments already before they started telling me I could n't be in the program unless I faxed them another copy of my pension pay stub. I explained I live on {$650.00} a month and ask them to dismiss it due to financial hardship. I also explained to them a couple of schools ( XXXX Online charged for classes I withdrew from and kept the loan instead of returning it ) ( another school has closed but also kept the loan money after I withdrew ). Delta Management is harassing me non stop and saying I ca n't be in the program unless I re mail my pension pay stub at once which I explained I ca n't until the first because I live on a fixed income and do n't have the money to go to town and fax them another copy. They are also demanding access to my bank account which I refuse to give them access. My income is limited only {$650.00} a month, I pay $ XXXX month insurance out of that. I feel if they get access to my bank they will withdraw all my money. When I ask to speak to someone in charge I was placed on hold for almost an hour so I hung the phone up. Delta Management is causing a lot of stress as now I 'm on XXXX XXXX meds because of them calling and demanding access to my bank account and telling me I 'm not in the program. They call after XXXX sometimes at night, block their number where you ca n't see that 's its them calling. I also never received the paperwork from them after agreeing to the {$5.00} a month for the program when they promised they would mail it right out. I was suppose to receive the paperwork showing the agreement. I do not like being lied to, them demanding to re send a pension pay stub, re mail in forms again, demanding access to my bank account. I feel since they are harassing me contributing to health issues and the fact I 'm in a hardship financially they should dismiss the money owed. They keep adding interest to the loan. I have not received any paperwork showing where I 've made XXXX payments. I 've ask for a forbearance also.

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 09/13/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (SC).
Issue: Deposits and withdrawals

Complaint: Hello, I opened a checking account online with TD Bank ( This is the first and the only account with this bank ), the next day XXXX/XXXX/2016 I stopped by the branch in my town and made a check deposit for {$5000.00} to the account. 
Today is XXXX/XXXX/2016 and I still do n't see the money in my account even though it is showing that the money already been released from the other bank. 
what I see is only a {$100.00} available, when I logged in to my account on Sunday the XXXX/XXXX/2016 I saw they put ( Pending - {$9700.00} ) on the account, and when I called their customer service, the lady told me that they put a DOUBLE HOLDING on the amount of the check, and claimed it was a mistake, and took her around 20 minutes to fix that mistake. 
when I called their customer service on XXXX/XXXX/2016 they told me that they can hold the money up to 12 day, then I called again and spoke with a supervisor and she told me they can hold it up to 8 days. 
My concern is about all that process they doing with holding the money that long, is it legal? 
* The check amount is {$5000.00}. 
* The post a double holding on it. 
*It passed 3 days since the deposit date, and the supervisor told me that I need to wait 5 more days. 
*everyone in their office telling different info ( some saying they can hold it up to 12 days, other say up to 8 days ). 
If you can advice me what to in this case to protect my money, I will be thankful. 
Best Regards

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Mortgage (Other mortgage) with FREEDOM MORTGAGE COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I have a HAMP mortgage with Freedom Mortgage, I am to understand that with five years of payments in good standing I am eligible for a {$5000.00} payment towards my mortgage. I have written to freedom mortgage and called numerous times, numerous times. They take the information down and say they are going to get back in touch with me but never do. The last call the finally state they received my receipt of my letter it is under research. Please assist me in receiving the credit - that as I understand it is rightly due to me. 
MY contact number is : XXXX ( c ) XXXX. 
The company is Freedom Mortgage My loan # : XXXX Thank you for your assistance. 
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 07-02-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Struggling to pay mortgage

Complaint: I forgot to attached the PDF Forms to my dispute to the response given by Nationstar Mortgage to my complaint case # XXXX. The PDF referenced RMA Forms. The RMA Form Nationstar sent me to fill out is fake. Is a fake Form to deceive me to request for assistance I did not ask for. So I am going to attach the REAL FORM AND THE FAKE FORM here. Pay attention to page 2. These attachments are for Nationstar Mortgage PLC. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Had a car loan with XXXX XXXX XXXX, which was voluntarily surrendered in XX/XX/XXXX. Said account is to be deleted from my credit file as of XX/XX/XXXX and it has not been done yet we in XX/XX/XXXX

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 EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: In XXXX many items were removed from my credit report Starting in XXXX a lot of those items were re-inserted with new opening dates. A lot of those items were old and should not be in my credit report. The worst part about it I did not receive any notification from the collection companies or the credit bureau 5 days prior to let me know that these items will appear in my credit report again.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: Bank of America closed my accounts without noticing me. I checked all credit reports and could not find any negative information. Now i have a XXXX. I have to spend a lot of time to open new accounts and transfer everything. It causes me huge problems.

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 11-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SUNTRUST BANKS, INC. (GA).
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: My complaint is regarding my SunTrust credit card. They will not refund me the money from transactions with XXXX ( since XXXX issued a partial refund, SunTrust has washed their hands of the " investigation '' ). I have tried to resolve my dispute with XXXX, but XXXX is not responding to my complaint that I made with the Better Business Bureau. XXXX issued a partial refund. My credit card company, SunTrust, " investigated '' my disputed amount and will not remove the charges. 

I have XXXX recorded stating the price. Please listen to the call with XXXX which is recorded below ( Sorry that I had to send a link to a video of the conversation, I did not  have conversation recording software on my phone at that time ) : XXXX XXXX XXXX XXXX My SunTrust credit card should protect me from these dishonest practices, but they will not. SunTrust 's " investigator '' did not even contact me regarding this. I spoke to a supervisor at SunTrust who indicated that, SunTrust will not help me any further. That is one of the main reasons to use a credit card, protection during purchases.

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 04/25/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (OH).
Issue: Struggling to pay mortgage

Complaint: I am filling this complaint because I have submitted a modification packet since  XXXX . I was told to keep submitted additional documents to make sure my loan continues the review. However when I called Wells Fargo to get an update I was told that I have a schedule sale date for  XXXX   XXXX ,   XXXX  . I was shocked because I have never den ied Wells Fargo to  reach out to me in case anything additional was needed. I am still willing to work wi th Wells Fargo. H owever today I spoke Agent  XXXX  id #  XXXX . From the re-entry team  XXXX  stated that due to my active sale date . Wells Fargo i s refusing to review my modification packet even though it was submitted 30 days before my sale date. Therefore I had to involve my investor  XXXX   XXXX  I open a  case number-  XXXX . Due to all the fraudulent and deceptive practices  Wells Fargo is  using in order to deny me any assistance. When I spoke to my investor I was advised by Agent  XXXX  there was no respond from my lender. I have the right as a home owner to be review for a modification. I have also advis ed Wells Fargo my  husband income is enough to be provided an affordable mortgage payment. My husband and I have attended workshops for struggling home owner like ourselves and have created a stick budget to make sure we cut lots of unnecessary expenses to make sure we can present a surplus to Wells Fargo. Our intentions are to keep our house with an affordable mortgage payment.

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 08/17/2017 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a loan for a XXXX XXXX at XXXX XXXX I lost my job and fell behind. I got another job and they had already sold it to AD ASTRA RECOVERY. I paid them XXXX now Ad Astra refuse to remove this from my credit. I have called them and they stated that they are not able to remove it. They are still reporting that I owe them. This is wrong

Company response to consumer: Closed with explanation