milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/18/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (DE).
Issue: Loan servicing, payments, escrow account

Complaint: After storm damage to the my residence at the insurance company XXXX XXXX, issued checks to restore the property damage. 
Since there is a mortgage on the property thru Ditech Financial LLC South Dakota. XXXX of the checks had XXXX names for endorsement, the homeowner and the mortgage co. 
We sent the check along with all the required paperwork that they asked for and have been waiting for the return check so the work can begin. 
After repeated calls about the status of the issue ... we feel like we are getting a run around ... because each time they come up with some other reason for not returning the money even when we state that more damage is ongoing with the lack of repair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Debt collection (I do not know) with The CBE Group, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company calls constantly and will not stop.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Vehicle loan or lease (Loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (MI).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I signed a contract to purchase a vehicle on XXXX XXXX, XXXX and that contract contains some errors so the finance manager at XXXX XXXX asked that I sign another contract. I assumed the contract stated what he said it stated and that it was a reprint just to correct the mileage issue. I was told that my due date was going to be the XXXX of every month and that I needed a {$1000.00} down which includes my first payment. On XXXX I woke up to an alert from my credit monitoring service advising me that I had a 30 day late payment with Gm Financial. I did n't understand how that was possible when I made a payment on XXXX XXXX, XXXX and gave payment information on XXXX to make another payment. I contacted GM Financial and I was advised that the due date on the contract states that the payment is on the XXXX of the month. I explained to the GM Financial Representative that I did n't have a copy of the contract, I have n't received a billing statement yet, and the sale person ( s ) at XXXX XXXX informed me that my payments was due on the XXXX of the month. I made a payment on XXXX how can I be 30 days late. The Representative stated to me that the payment was never processed on XXXX and the notes stated that I would call back on the XXXX, and make a payment, I disagree with. I feel if the payment was due on the XXXX of the month and I stated to the representative I will pay on the XXXX, why would n't the representative advise me that the payment would be 30 or more days late. I contact XXXX XXXX and spoke to XXXX ( sale/finance Manager ) who handled my transaction and he advised me that I signed the contract on the XXXX and that he entered into the system that my payment should be due on the XXXX ( although I was told XXXX ), I put {$1000.00} down payment down and was told that I would n't have a payment due until XXXX XXXX XXXX. When I contacted GM Financial about this situation I was told that they will look into it, but after looking into the situation they stating to me that I need to contact the dealership to get this matter corrected. The dealership stated to me that, there 's nothing they can do but to send me a copy of the contract showing I signed the contract on the XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Mortgage (VA mortgage) with 360 MORTGAGE GROUP LLC (MS).
Issue: Loan modification,collection,foreclosure

Complaint: 360 Mortgage has not complied with VA standards on my VA home loan. I have submitted a new forbearance package for approval or a modification to my loan if need be. All documents have been submitted and my VA loan tech has been notified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Debt collection (Other debt) with AFNI INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I am the victim of ID theft. I have several times told XXXX and they promised an investigation into it. I have had XXXX for more than ten years and XXXX continues to say it was me even though i know i never made a single call on a XXXX phone in my name. XXXX now reports it as a delinquent account ruining my perfect credit and ignores id theft laws regarding furnishing proof. Since they are XXXX and not a debt agency they tell me they can harass me all they want and do not fear you folks " in the slightest ''

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Credit line increase/decrease

Complaint: On XXXX XXXX, Citibank contacted me about a decrease in my credit limit ( a decrease of {$2500.00} ), due to items that had appeared on my XXXX credit report, which stated that if the credit report changed, I could have them reevaluate the decision within 60 days. On XXXX XXXX, I contacted them and they stated that they only could request a credit limit increase, there was no process for disputing their previous decision. They requested a credit limit increase and the increase was denied, and were not able to provide me with a reason. Their decision was triggered incorrectly and they have unfairly prevented me from reinstating my prior status with them even though the factors that prompted their decision have been proven to be in error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Mortgage (Conventional fixed mortgage) with FCI Lender Services Inc. (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased a house in 2005 for {$140000.00}. XXXX XXXX owned XXXX mortgages, XXXX for {$110000.00} and the other for {$29000.00}. A couple years later I applied for loan modification. I was told by XXXX XXXX representatives to discontinue making payments while they reviewed the application for remodifying the loan. The loan modification was approved and I began making payments under the modification. Several years later I received a call from XXXXfci saying I was behind in mortgage payments. They explained that unbeknownst to me XXXX XXXX sold them the XXXX mortgage. I questioned why they took years to contact me. No calls were made, no bills were sent and no notice was given me that the loan was serviced by another company. During that time late fees and interest had accrued. I do n't know the legalities but if I feel this is an unfair practice ands has implications on my credit which I am steadfastly trying to repair.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Mortgage (Conventional home mortgage) with PENNYMAC LOAN SERVICES, LLC. (NY).
Issue: Trouble during payment process

Complaint: In XX/XX/XXXX, mortgage lender PennyMac later XXXX XXXX, commenced a foreclosure action against XXXX XXXX and his wife XXXX XXXX. PennyMac claimed it served their son XXXX at their home address. The XXXX do not have a son. In XX/XX/XXXX when they entered a contract of sale, they learned of the foreclosure. The XXXX ultimately prevailed. There was no delinquency of any kind. No missing or late payments. Hazard insurance, water/sewer were in effect and timely paid. ( See attached Order ) The Court gave us permission to Close. The XXXX requested a pay-off letter. The pay-off letter includes " Foreclosure Attorney Fees of {$3400.00}, '' " Contested Litigation Attorneys ' Fees through XX/XX/XXXX {$2200.00} '' " Court Appearances {$4300.00}, '' " XXXX for an Additional Notice of Pendency, '' " Gap Continuation {$40.00} '' " Index Number {$400.00} ( note : and index no. costs {$210.00} ) '', " Notice of Pendency Filing Cost {$35.00}, '' " Amended Notice of Pendency {$35.00}, '' " Amended Notice of XXXX XXXX Recording Fee {$75.00}, '' " Additional Notice of Pendency Filing Cost {$35.00}, '' " Service of Process {$1200.00}, '' " Order of Reference filing Costs {$90.00}, '' " Request for Judicial Intervention {$95.00}, '' " Referee 's Oath ( Estimated ) {$250.00}, '' " Motion to Discontinuation Fee ( Estimated ) {$640.00} '' and Motion to Discontinue Filing ( Estimated ) {$45.00} '' for a grand total of {$13000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2015 about Credit reporting () with Experian Information Solutions Inc. (MS).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I tried to access my credit report because I could not answer the security questions. XXXX was about a loan I never heard of and another about a new car that Ive never seen

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My XXXX XXXX XXXX XXXX credit card : XXXX was lost/stolen on XXXX XXXX, 2018, someone made over {$20000.00} in fraudulent charges/transactions. The fraudulent charges/transactions dont belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2016 about Credit card () with AMERICAN EXPRESS COMPANY (MD).
Issue: Rewards

Complaint: I use an American Express Blue Cash Rewards card which gives 5 % cash back reward on spending on gas and in supermarkets after spending {$6500.00}. I reached that limit in XXXX 2016. However, for the following months of XXXX, XXXX, XXXX, and XXXX Am Ex continued to pay me 0.5 % - 1 % reward as if I had not reached the spending threshold for receiving the higher reward. I contacted them numerous times over the past 5 months and was just given the runaround. My estimate is that they owe me between {$130.00} - {$140.00} in cash rewards.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Remove all inaccuracies, errors, and all inaccurate accounts listed under frivolous addresses immediately after investigation. I am not affiliated with no other addresses but the XXXX. XXXX address, thank you. The correct address is XXXX. XXXX XXXX XXXX FL XXXX. Please remove any other addresses listed on my credit file. The XXXX. XXXX address listed above is the correct address. TransUnion, XXXX, XXXX this is my 3rd and final letter contacting you about the inaccurate information that continue to report on my credit file. You have violated my rights using my consent and falsely accused me of these inaccurate accounts and the error of my address. I demand that you remove the inaccurate accounts immediately. In the FCRA section 609 it clearly states if you cant provide me with any original contracts with my signature showing that I owe a debt on the account that is reporting inaccurately it must be removed immediately so Im demanding that the inaccuracies and errors be removed within 24 hours. There is a pending complaint file with The FTC and lawsuit against your companies.

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 01-12-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Bank America made me signed an agreement with out disclosing the interest rate or the new term of the loan. I was just presented a lower monthly rate. I was happy to see the new mortgage rate was low. But after it was said and done. The interest rate remained the same and term.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I sent a dispute letter to all the credit agencies wanting to receive proof of ORIGINAL documentation of accounts on my credit report and they have to yet do so.

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 Debt collection (Medical) with ARC Management Group, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I provided XXXX XXXX with my medical insurance they have it on file there due to the fact that that 's the hospital I go to for medical care so I do n't understand how I owe anything if each time I stayed in the hospital they collected my information

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
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: I have a credit card with this XXXX XXXX XXXX been a member since XX/XX/XXXX. On XX/XX/XXXX, I paid the balance off totaling {$2400.00}. Checked balance via online bank website in XX/XX/XXXX and balance stated {$0.00}. On XX/XX/XXXX, received a alert XXXX XXXX stating I was late making payments for the month of XXXX, XXXX, and XXXX to XXXX XXXX card. Contacted them the same day and was told that this was caused by a computer error and my account is {$0.00}. I told the client service represenative because of their computer error my credit was affected by it, I was told to just dispute it with the credit bureaus and since they fixed the error it would be fixed on my credit. XX/XX/XXXX - disputed that I was never late with XXXX and Equifax XX/XX/XXXX - Disputes were completed and XXXX did not change anything and XXXX reported to the credit bureaus that it was accurate. Called the XXXX and was told the same thing that I was told on XX/XX/XXXX and was also told to contact their member solution dept. Disputed it again with both bureaus. XX/XX/XXXX - Sent a instant message through the online bank website in regards to my issue. XX/XX/XXXX - Received a message for a XXXX stating " I apologize for any issues you have had with your Visa Card. I reviewed your account and on XX/XX/XXXX your account was adjusted to remove the late charge. You should n't receive any more late notices. Your Visa is paid off. Please let me know if you have any other questions or concerns. '' XX/XX/XXXX - Disputes were completed and XXXX did not change anything and XXXX reported to the credit bureaus that it was accurate. Sent a instant message back to XXXX stating that my credit report did not change and was still stating that I was late for XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX - disputed again with all three credit bureaus XX/XX/XXXX - checked XXXX  online bank message for a reply, no reply, sent another one. XX/XX/XXXX - Sent an email to their member solutions dept. about the situation and as of XX/XX/XXXX no response from the bank. Filed a complaint to the state attorney generals office. XX/XX/XXXX - the false late payments were removed from my credit report. XX/XX/XXXX - late payments are back on my cedit report, which is adfecting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In XX/XX/2012 my student loans were discharged due to XXXX. I have been following the information on my credit bureau. XXXX has it correct. Transunion and XXXX do not. I have sent information and proof that the account from XXXX is not correct. I have asked over and over to investigate this. All they do is take XXXX word for it. Do they not realize that XXXX can be wrong. Do the many lawsuits and class actions against XXXX have any meaning? My biggest issue is with Transunion. It is like talking to the wall. Nothing changes. Meanwhile, due to this incorrect information, I am unable to get a home, or car. When you are XXXX, waiting for 10 years for incorrect information to fall off is not an option. I may be dead before it comes off. I think the CFPB should realize this is a big problem and consider action against Transunion as well as 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 11-12-2017 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have paid my debt and want it off my credit report. It happened many years ago.

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 05-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Falsely changed the dates of original debt to current year in order to collect on a write off over seven years old

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Navient is my loan servicer for loans taken out in XX/XX/XXXX-XX/XX/XXXX. They most recently failed to inform me that my loans were being transferred to usa funds. I am currently waiting to start XXXX school in XX/XX/XXXX. Everything was fine and up to date, I had been awarded federal pell grant. And then just a couple weeks ago XX/XX/XXXX to be exact my loans were declared in default. I 'm a single mother who attended a fraudulent for profit art college. I 've just recently filed for borrower defense loan forgiveness. But I 'm aware of the fact that this current administration has n't stood up to their responsibility to help us students that have been defrauded. Dept of education collected millions of dollars from my school for fraud and they are still holding me responsible for the debt. So it 's a win win for them. Ok so I 'm waiting for that to go through. But in the mean time I had my federal funding pulled for XXXX school because Navient was trying to pull the wool over my eyes. I obviously would n't have defaulted knowingly since I have school starting in XX/XX/XXXX. So XX/XX/XXXX default, and Navient reps are saying there is nothing they can do I have to deal only with collections. Collections only wants their money and if I am unable to make outrageously high payments to them before XX/XX/XXXX they will add 25 % of total loan amounts on to existing loans further compounding my problem. They do n't even consider income sensitive payment option. Let me say this again, I 'm a single mother raising XXXX XXXX trying to go to school, fulfill a dream and make our lives better. I work waiting tables but my XXXX program suggests we not work or work very little. So without funding from my pell grant I am finished. I worked for years on prerequisites for XXXX. Never taking out loans or taking federal money. And now navient declared me in default because I was unaware they were transferring loans has sealed my fate. And right before school starts. I do n't know if I even have time to get this worked out. But navient has fraudulent shady practices on top of my for profit college taking advantage of me just adds insult to injury. I 'm at a loss.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (OH).
Issue: Deposits and withdrawals

Complaint: On XXXX I had seen an add in the XXXX XXXX newspaper in reference to a car for sale. The add read the following. XXXX XXXX for {$3800.00}. I had called and texted the seller and responded with an email. XXXX XXXX. XXXX XXXX. He sent me the pictures and could set it up with the XXXX and XXXX XXXX XXXX. The first amount due was {$1000.00}. Cash deposit through Chase Bank. XXXX XXXX at XXXX XXXX. The account name received was XXXX Account # XXXX. XXXX XXXX from the XXXX and XXXX XXXX contacted XXXX XXXX saying it was all approved to be delivered to XXXX area. The following day XXXX XXXX the vehicle did not arrive. Was to be delivered between XXXX am to XXXX XXXX on the XXXX. XXXX called back and needed more money. He said that the vehicle was selling lower than it was valued at. He said he needed another deposit of {$900.00}. XXXX XXXX made a deposit XXXX XXXX at XXXX XXXX to the same account and same name for {$900.00}. The vehicle was to arrive on Friday XXXX XXXX between XXXX XXXX to XXXX XXXX. No vehicle arrived. Tried to contact seller the phone number has been disconnected. Tried to contact XXXX on many occasions. With no luck. XXXX XXXX contacted Chase Bank on Sat. XXXX XXXX and was told his bank account was safe. Monday XXXX XXXX he had made a police report for fraud. XXXX XXXX - Report # XXXX. Spoke with XXXX XXXX XXXX. After the police report was filed, XXXX XXXX returned to Chase Bank. They tried to contact XXXX because it was a Chase account and Chase had gotten the run around. Chase said that they could not do anything about this due to it was a cash deposit and not a credit card. XXXX has been a customer of Chase Bank for a while. A family member had suggested that we contact the XXXX. Chase Bank through there customer service and security should of taken care of this issue. XXXX XXXX - XXXX at Chase Bank spoke with XXXX XXXX on XXXX XXXX that he should file a complaint to this website. This has been a very upsetting situation and was hoping for more assistance and help with Chase Bank. I hope this can be resolved and I could receive some sort of compensation. Thank you and looking forward to hearing from someone.

Company response to consumer: Closed with explanation