milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/25/2018 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (NC).
Issue: Trouble during payment process

Complaint: Trying to pay down loan to 78 % equity to cancel PMI, we submitted payment of {$42000.00} in XX/XX/XXXX and another {$10000.00}, soon to be {$20000.00} in XX/XX/XXXX. Instead of applying payment amounts to principal and current month payment, the servicer, Ditech Financial, has applied our payments to future mortgage payments both times. They even ignored additional payments I had scheduled and never posted them! On top of that they refuse to cancel PMI since we are already at 78 % equity of the original loan ( originated in XX/XX/XXXX ) unless we pay for a new appraisal and they get an official request. By law they are required to cancel PMI automatically when we are at 78 %.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Convergent Resources, Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: A collection debt is being reported on my credit report at all three credit reporting agencies that I does not belong to me. This is the second time that this debt has been reported to the credit agencies. This is also the second time that I am reporting this to CFPB. The first time was compliant number : XXXX. 

The first time the debt collections was reported by CONVERGENT OUTSOURCING and this time it is reported by XXXX XXXX. They have changed the debt amount by {$1.00} apparently to get around the requirement that this is not the same debt. The debt belongs to : XXXX XXXX, XXXX XXXX XXXX XXXX MD XXXX My name is : XXXX XXXX, not XXXX, and I have never lived at the address in XXXX. I do not have any money due payment to XXXX, nor have you or anyone else contacted me regarding this overdue account. 

I have previously contacted Convergent about the debt and they responded through you saying they needed more information to identify me. The contact email address they provided was incorrect. I have already provided in the compliant sufficient information to identify who I am and my credit report. There is only one collection account in my entire credit report and that is from convergent. Therefore, it should be obvious which collection account is incorrect. Also, the collection account records from Convergent are for someone with a different name and address 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 explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: This report is in regards to Navient. Students who have loans in 'In School ' or 'No Payment Due ' status aka 'Deferment ', are unable to set up or continue making payments using the 'Auto Pay ' feature. In my specific case, I was between schools and decided to set up 'Auto Pay ' in order to keep up with the payments. Once I returned to school to pursue my XXXX degree, the automatic payments stopped without notice. I have called and emailed to gain clarification on why I can not set this up, but to me, it seems like it was created this way by design. I was advised to log in and make payments manually, which for students such as myself with a number of separate direct loans, is not an easy task. 

The website states : " In general, a loan that is not in active repayment status is ineligible for Auto Pay.This includes loans in deferment or forbearance, if you are in school or in grace, and loans that are already enrolled in Auto Pay by someone else, such as a cosigner or endorser. '' I can not feasibly see how this would do any justice for students trying to make even interest payments on their loans- which the website does not even list on the 'make a payment ' page.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Checking or savings account (Checking account) with TCF NATIONAL BANK (IL).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Tcf intentionally drops off authorizations and then posts them a week later to accrue fees. I had enough available funds in my account to transfer money over, my account balance was {$3.00} prior to the close of business day. I wake up to see that Im now negative because XXXX XXXX got {$65.00} posted, that charge was authorized and fell off almost a week ago, now for whatever reason it has posted and charged me fees. I have received several fees on my account from this same thing happening. I have 2 checking accounts with your company and the same thing keeps happening on both accounts and I keep getting charged unnecessary fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/28/2016 about Debt collection (Medical) with Radius Global Solutions LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Central Credit Services has badgered my client about a debt was that incurred over 8 years ago and that was paid and that has been barred by the statute of limitations for over four yearsXXXX

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 09-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: 3 accounts that im not aware of that were previous removed and then added back on without a 5 day letter to let me know they were being readded ... were once again added again. 
Accounts : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX and trust twice with 2 different accounts. Also a letter was sent verfiying that the bankruptcy ct dors not verify bankruptcys with credit bureaus ... and 2 of those were deleted and one remains and these accounts were under those bankruptcys in which these should be deleted because they were not mine or these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX closed account, reversed debt from {$400.00} to {$0.00} on XXXX/XXXX/XXXX, and removed all late marks on XXXXAll is fine with XXXX. Negative remarks need to be removed on Experian and 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 05/30/2015 about Payday loan () with Big Picture Loans, LLC (FL).
Issue: Charged fees or interest I didn't expect

Complaint: Dear Madams, dear Sirs, I took a loan of {$200.00} with a fee of {$50.00}, in total {$250.00} from castle payday. 
I already paid {$50.00} on XX/XX/2015Yesterday I wanted to pay off the rest of the {$250.00} but was told they do n't take my credit card and I owe {$320.00}. 
When calling collections they told me that every XXXX weeks I will be charged a " Finance fee '', which I heard at that point for the first time. They said they would send an HS form so I can fill in my new bank account info ( I closed mine 1 week ago ), but never received that form. 
I sent XXXX emails to support @ castlepayday.com as advised from their collections department, but have not heard back from them. 

When signing up for my account I asked the representative XXXX if I will not be charged extra if I only pay {$50.00} bi-weekly and he said no, I will only be paying off the amount of {$250.00}. I told him that I could pay the full amount, but he said that wo n't be necessary. 
Last week I checked my balance and called, asked the woman on the phone why the XXXX payment of {$50.00} does not show deducted off my balance and she said : I should not worry cause I would not see that online. 
Believe me if I would have known I would have paid the full amount on XXXX XXXX. 
I want to pay it off and forget the whole nightmare already. 
Please help! 

Thank youXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: As a retiree on a very small pension and bank with Chase bank, I am filing this XXXX complaint based on the same problem issue. There are times I will incur insufficient funds for no more than 2 days! I notify bank online to ask them to not charge their typical {$34.00} per item fee, as I have arranged an ACH deposit that will post ASAP ( always within a day ). Sometimes they delete the fee, many other times they do not. As of today, I was charged {$100.00} for being less than 12 hours beyond their window for the deposit. That is food and utility money for the month. I am a XXXX-year-old XXXX XXXX and can not afford to pay these outrageous fees. Please!!!! I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Debt collection (Medical) with Hollis Cobb Associates (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This Company named Patients Accounts Bureau and the caller 's name is XXXX XXXX calls my number every hour starting at XXXX. I have repeatedly stated that I am currently unemployed and have not worked for 3 years. 

At first the calls were once or twice a week, now this company is calling every day.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Every day I receive harassing phone calls from Bank of America, Collections Dept. regarding when I will send in my mortgage payment. According to my mortgage agreement my payment is due the first of each month and late after XX/XX/XXXX. I make the payment between the XXXX - XXXX of each month. I want all harassing calls from BoA to stop now!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have called the XXXX XXXX company Numerous of times and explained to them that I have been a victim of their " inquiry issue ''. I stated to them that i did not authorize anyone to use my information and did n't have any knowledge. I asked they remove them. 

1. XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/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 06/18/2016 about Mortgage (Home equity loan or line of credit) with TCF NATIONAL BANK (IL).
Issue: Application, originator, mortgage broker

Complaint: i tried to refinance my mortgage due to separation .i am single and my husband moved away with his girlfriend and not paying a penny toward the mortgage or child support to my XXXX son so i decide to refinance. 
I went to bank and found that he had XXXX other loan with my forge signs and without my knowledge, i want to know how bank did 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 07/13/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Account opening, closing, or management

Complaint: My complaint is against Bank of America and their handling of my mom 's payable upon death accounts. My brother, sister and I were told over the phone to come in, bring the death certificate, identification and we would be issued a check for our money at that time. Instead, when we arrived and filled out the appropriate paperwork and provided identification, they informed us that we had to wait 15 days for their legal department to review our request. They would n't say why they needed to review, but they just needed to review as " policy ''. After we objected, they said they could get us our money in 3 days. But that 's not what we were told over the phone. But it does n't start here ... when our mother tried to set up the beneficiaries for this account years ago she was told everything was set, but was always curious why not all our names were on the account. We brought this up at a branch in Florida and they said that " all the names did not fit on the line but that it 's set ''. Upon further questioning, it turns out the account was set up incorrectly, and not all our names were on there. After hours of trying to get a straight answer, and dealing with rude people, the account was set up correctly. And then she passed about five months later. Shortly after, our brother who is the trustee of the accounts, went to see the procedure to get the money at a B of A located in XXXX XXXX, XXXX. He was given a form to fill out, but then the bank representative refused to notorize it, claiming " we were not a customer of the bank ''. You meant to tell me that having more than $ XXXX in our names does not count for being a customer of a bank?? The service and ineptitude at B of A, in their XXXX, XXXX branch, their XXXX XXXX, IL branch and their XXXX XXXX branch is appaling. And what 's their resoning to keep our money for 15 days as part of " policy ''? We went to the XXXX XXXX XXXX where our mom had $ XXXX and we went right up to the teller and she gave us our money. I understand credit unions are supervised by another regulator, but the Federal Reserve should look into this " policy '' of B of A -- and what 's that policy bringing them -- probably millions of dollars in banking revenue for them. They have no right to put a so-called " hold '' on our money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I recently learned how my identity was stolen. In XXXX I filed a medical malpractice law sue. I went through my court documents and found a copy of my credit report the attorney pulled. My birthday have been changed to XXXX/XXXX/XXXX. ( XXXX/XXXX/XXXX ) is my date of birth. My former employers have been changed. XXXX I worked for XXXX XXXX. XXXX I worked for XXXX XXXX XXXX XXXX.
XX/XX/XXXX- XXXX XXXX-XXXX  XXXX XXXX and XXXX. I purchased my home at XXXX XXXX XXXX on XXXX/XXXX/XXXX. In XXXX I lived at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX.
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX.
XXXX  XXXX XXXX allowed someone to make copies of my math papers with my signature and my XXXX XXXX child power of attorney from XXXX when began receiving social security benefits. The bank allowed a Breach of Contract to take place. The bank allowed money from the department of labor to pay a series of mtgs with XXXX XXXX XXXX. The FBI told me it was an inside job. The Attorney General told me about the Power of Attorney stolen from me home with my signature. There is property in XXXX XXXX XXXX lives there. It was sold to a company called XXXX XXXX. The XXXX Family is using our XXXX father social security number. Secret Service also notified of fraud, embezzlement, abuse of His Housing.

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 02-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Meridian Financial Services, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: meridian financial is trying to collect a debt for maintenance fees they are saying are from XXXX XXXX XXXX club which was discharged in chapter XXXX no asset bankruptcy XXXX/XXXX/13. Because thus was a no asset Chapter XXXX, I was released of all debts and obligations under the " XXXX XXXX '' ruling by the supreme court. they are saying they are for maintenance fees after the backruptcy however I was relieved of the obligation of the membership with the discharge of chapter 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 07/13/2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Trouble during payment process

Complaint: XXXX XXXX XXXX, XXXX as the trustee for Option One Mortgage Loan Trust XXXX claims to be holder of the note and claims to have a valid transfer of assignment. We did a title search on X/X/2011 and Option One Mortgage Corporation, a California Corporation was the holder of the note, but a transfer of assignment was filed in XXXX County Land Records office on XX/XX/XXXX, after our mortgage was in default.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2016 about Debt collection (I do not know) with ERC (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I RECEIVED A COLLECTIONS NOTICE FROM ERC AND REQUESTED VERIFICATION OF THE DEBT. XXXX, THE ORIGINAL CREDIT, NOR ERC, THE COLLECTION AGENCY WERE ABLE TO PROVIDE VERIFICATION OF DEBT. I AM REQUESTING VERIFICATION OF DEBT AT THIS TIME FROM THE ORIGINAL CREDITOR ( XXXX - ACCOUNT NUMBER XXXX / REFERENCE NUMBER XXXX ). ALSO, A HOLD SHOULD BE PLACED ON ALL COLLECTIONS ACTIVITIES UNTIL THIS INFOMATION IS RECEIVED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 07/13/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (DE).
Issue: Credit decision / Underwriting

Complaint: We are moving to NJ and buying a house. Original closing date was XXXX/XXXX/2015. We applied for a mortgage loan from JP Morgan Chase, but It is delayed by Chase mortgage underwriting for two weeks already. The mortgage officer make some errors in the application form, and underwriting has been veyr un-cooperative. They request documents a few at a time, and do n't review in time at all. Still not fully reviewed as of today, XXXX/XXXX/2015.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/22/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I took over ownership of an account where I was an authorized user on the grounds that interest would not be added are continue to accrue since balance was accumulated under interest free terms and that late fees would not be added now or in future. Fraud Representative XXXX agreed to these terms. From the first time I received my bill I noticed interest and late fees so I called Capital one and spoke to a supervisor. I explained what The Representative informed me before I signed and agreed to the letter of responsibility. The supervisor removed the late fees and interest and stated he would stop the interest moving forward as agreed. I get my second bill and again interest was charged. I then spoke to XXXX who was a supervisor in XXXX XXXX XXXX Utah who informed me that she would listen to all of my conversations that I had with XXXX and the supervisor who removed the late fees and interest the XXXX time. She stated she would call back in 24-48 hours. I called capital one 168 hours later because I had not heard from XXXX and the representative I spoke to agreed to remove the interest and stop the interest moving forward. Then today XXXX/XXXX/15 XXXX calls me to say she listened to XXXX call. Which was the last call XXXX made to me about not receiving the letter of responsibility. She did not listen to the call where I agreed to take over the account with there being no interest or late fees applied. She did not pull the call between me and the supervisor I spoke to that removed the late fees and interest. She rudely informed me she would not be honoring what the representative from XXXX/XXXX/2015 provided and would not be honoring what the supervisor informed me nor would she honor the original agreement with XXXX XXXX which she adamantly refused to pull that call ). With these original agreements not being honored this account has been set up frequently in my name. I asked to speak to XXXX 's supervisor and I asked XXXX to honor what she said she would do by listening to all of the calls and she again refused. She stated her supervisor XXXX does not take calls nor does she make calls. Since original agreement is not being honored this nulls my letter of responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (IL).
Issue: Taking out the loan or lease

Complaint: I purchase a car using Ally financial. Then within the first week of owning the vehicle I refinanced with XXXX. I received a check for the amount of the XXXX day payoff amount on XXXX and mailed it to ally on the XXXX, they claim they did not recieve it until the XXXX and charged me a {$170.00} interest payment. Spoke with there rep, they stated it would be taken care of. In XXXX I start receiving calls about a late payment for {$180.00}. After speaking with them they told me that had a note that all payment had been receive they would take care of it. Meanwhile they are holding on to the title and not sending it to XXXX until the {$180.00} Is resolved. Then today I check my credit report and they have posted that my account is late leading to neg hits on my credit. When I called them they stated that the loan was for XXXX and the payoff of {$46000.00} was accepted but left a balance of {$170.00}. That does n't add up. I paid the {$190.00} balance plus interest to get the title, got the confirmation number for the payment and the supervisor told me after the payment was deducted, that I would recieve the title XXXX day after the payment was processed. When I ask how long that would take he stated it could take as long as XXXX days. Which means it could accure more interest charges. Baffling to me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief