milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-10-2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I made an additional Prinicipal Payment to my loan in the amount of {$1400.00} on XXXX/XXXX/XXXX. The payment credited to the account on XXXX/XXXX/XXXX ( {$970.00} to principal, {$93.00} to interest, {$170.00} to late fees and {$190.00} to escrow ). The payment I sent along with a detailed itemized statement was to be applied as follows ; {$950.00} to additional principal, {$470.00} to late fees and {$15.00} to ISF fee. XXXX/XXXX/XXXX I called in and spoke with CSR who advised she would open a ticket to have the correction made. I was advised the correction would take 7- days. On XXXX/XXXX/XXXX the correction to my account had not been processed/updated so I called back and asked for a supervisor. I got XXXX who apologized for the issue however advised he would ensure the correction was made. He also advised he would credit my past due amount $ XXXX. I confirmed the amounts which should have been credited and he reassured me he would call me back with the next three - five days to confirm the adjustments to the account. I did not hear back from XXXX. XXXX/XXXX/XXXX I called back, asked for XXXX who was not available. The CSR transferred me to XXXX ( TX Callcenter ). It is my interaction with XXXX which is prompting my complaint. After being on the call for 15 minutes and 43 seconds with XXXX asking me the same question over an over again " do you want payment applied to XXXX or not XXXX that is all I am asking you " and me replying with " no, I have advised you this 3 time already '', she went on to advise me that she did n't need me to " break anything down '' for her as she was clearly able to see what should be corrected and told me to hold while she made the correction. XXXX indeed did not put me on hold simply muted her headset line, I XXXX and know the difference, and released the call without confirming or calling back to me as the customer to reassure me that the issue after ( 3 ) failed attempts would be resolved. 

It is currently XXXX My call with XXXX was released adversely by her at XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I was with a loan company SLS and was told that my XXXX months will be at the end of my loan. Then with out me being notify and many calls to them following my loan was transferred to other loan company. So with thatbeing said now I 'm dealing with new mortgage company with loan being behind and in process of forcloser. This not a good for any XXXX to go through. The thing is I called SLS every XXXX to XXXX days and every person said it was getting taking care of. I feel each persons know what was going on did n't shave to deal with what was pride. This is not good customer service at all.

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 11/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My father and i have the same name, he is XXXX and i am the XXXX. His credit card is showing up on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (DC).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was mislead with the contact and start of my loan. I was provided a quote over the phone while completing the application online. When I submitted the application, the interest loan amount increased over 1 % from what the call center mentioned on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I sent certified mail to Experian requesting them to respond to my METHOD OF VERIFICATION FORM. I will attach a copy of the method of verification form. Experian did not verify any of the accounts I have disputed but sent me results saying either they " UPDATED, NEW INFORMATION '' well if there is new information who did you verbally talk to too get this new information? No documentation was mailed to me explaining who Experian contacted. XXXX is not the form of verification that I requested by law Experian has to honor my method of verification request and they have not done so. When you see the method of verification form you will see why I am filing this last complaint before seeking legal action. This is my LAST attempt to resolve these issues. XXXX XXXX do not even return calls so I know they was n't verified. XXXX and XXXX sent me fraud forms to fill out which I sent back already. XXXX and XXXX have not provided me with documentation with my signature on there as well so how is it that XXXX have all this new information?????? I have contacted an attorney who is on standby until this last attempt is done. method of verification per FCRA Section 611 ( a ) ( 7 ) is what I requested. I can also send a copy of my certified mail receipt if asked.

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 01/17/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I had been with XXXX for my student loans for approximately four years, until I applied to the public service loan forgiveness program in the summer of XX/XX/XXXX. I am currently employed by a county government. I wanted to see if my payments qualified under the PSLF. This apparently automatically initiated XXXX to take over my loans beginning in XX/XX/XXXX. When this occurred, I set up my account with XXXX, including automatic direct debit. I even received an automated e-mail from XXXX saying " This is a reminder that you have an upcoming payment due -- but no worries! You 're enrolled in our Direct Debit service so the payment will be automatically withdrawn from your bank account. '' Several days after this payment was due, I got an e-mail from XXXX notifying me that my payment was late. I logged into my bank account and XXXX account and nothing had been posted. When I called their customer service line I was notified that their system takes 4-6 weeks for direct deposits to begin clearing. I explained that I had received an e-mail from their system stating that the payment be automatically withdrawn. No one at XXXX ( and I spoke to three different levels of customer service ) would take any responsibility for this error.

Additionally, when my loans were transferred to XXXX, a month in my payment was skipped. I believe the interest continued to accrue, and as a result my monthly payment went up by approximately $ XXXX/month. The customer service representatives did not seem to understand that the extra $ XXXX/month was not the problem for me -- I could afford $ XXXX/month -- but that over the term of my loan, that " missed '' payment resulted in a substantially larger increase in the total loan payoff.

I was notified approximately two months later that none of my payments were qualifying for the PSLF program. This program was the entire reason that I applied, and that my loans had been switched over to XXXX. Whenever I have tried to contact customer service I have had to speak to at least three representatives, all of whom try to pass off blame to " the computer system '' or on other employees, and have been singularly unhelpful.

More recently I have sought to adjust the term of my loan from a 20-year repayment program to the remainder of what would be a 10-year repayment. Their website offers misleading, and I would claim predatory, advice regarding the total interest and payments resulting from fixed vs. graduated monthly payments.

Every time I end up on the phone with XXXX to seek clarification about why a payment was not processed, or why they took an extra month to begin accepting payments on my loan, or to ask for a status update on XX/XX/XXXX tax documents, it is a very long wait to reach an operator, and then the customer service is not helpful either.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Credit reporting () with Experian Information Solutions Inc. (WI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I filed a complaint against XXXX XXXX XXXX with CFPB and XXXX apologized and agreed to correctly report my account. Dispute # XXXX. Experian continues to report the account incorrectly and needs to just remove the improperly reported account from my credit report.

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 11/21/2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (IL).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: My car was seized in XX/XX/XXXX. I went to 2 court dates and on XX/XX/XXXX the judge gave the car back to Ally. They put in the paperwork to have the car returned to them. I was told in court that Ally would contact me within 30 days to let me know if they were going to return the car to me. I called Ally and customer service said that I would get a letter on instructions of getting my car back. That did not happen. I paid the car up to that point. The XX/XX/XXXX payment was never cashed. I did not hear from them until XX/XX/XXXX stating that my car had been repossessed and was going to be sold. I answered back that I wanted my car back but received a letter from XXXX XXXX that I owed {$10000.00} before they even contacted me. How does a car that they had in their possession for 3 months get repossessed?

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 09/29/2016 about Credit card () with JPMORGAN CHASE & CO. (GA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I received an Amazon.com Rewards Visa Card in the mail last week ( home address ), and realized that I had NOT applied for this. I called Chase number on card and reported the mistake and they said this was identity theft. We cancelled the card, and I now have gotten a POBox to receive all sensitive mail, and had to alert all other creditors about the identity theft. I put a fraud alert on my credit reports, and am now checking those reports for accuracy. Not sure of what else to do - but was told to report this here to CFPB. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/17/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (VA).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I us really a service called  XXXX , and consistently every Friday I get paid and need to manage my deposits and cash  out Wells Fargo does n ot send updated information so that I can complete my transactions. The most recent date being  XXXX / XXXX / 17 , but can be traced back basically every other Friday going back a t least 8-10  weeks. I provided the  XXXX  service access to my account, but the bank consistently does not update information

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 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with National Credit Systems,Inc. (WI).
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: A collection # XXXX was started by National Credit Systems , Inc. for an amount of {$5300.00}. This debt was for the apartment lease of my estranged adult son. I did not sign or cosign a lease. I called the landlord, XXXX ( XXXX XXXX XXXX ), and they were very apologetic. There was no cosigner agreement on file or any attempt to use my social security number or personal information fraudulently. They wrote an apology on XXXX XXXX 2017 and provided a release from National Credit Systems on National Credit Systems ' letterhead. Everything appeared to be fine until a derogatory report/collection action appeared on my XXXX credit report in XXXX of last year. I immediately disputed the report with both National Credit Systems and XXXX. National Credit Systems claims that I was removed from their collection and multiple XXXX representatives ( at least 4 ) have said that it would be removed from my credit report after 48 hours. It has not been removed and has affected my ability to obtain a credit card even with a XXXX FICO and otherwise blemish free credit history. 

Here is the fax cover letter I sent to XXXX : Ive attached two documents in support of clearing the collection action on my credit report with confirmation # XXXX. The debt is not mine. I did not sign or cosign a lease with The XXXX XXXX or ever live in their apartments. The XXXX XXXX started a collection action with National Credit Systems , Inc. and National Credit Systems erroneously tied my name to the collection action. They do not have my social security number, a signed lease, or a cosigner agreement on file. 1. The XXXX XXXX wrote an email apologizing for the error and confusion. They instructed National Credit Systems to  remove my name from the account and collection action. Ive attached that email sent XXXX XXXX, 2017. 2. National Credit Systems complied and sent a retraction to me and The XXXX XXXX on their letterhead, dated X/XX/2017, removing my name from the account and stating that they would no longer pursue me for the recovery of the account. They also stated that any derogatory credit listing would be removed promptly. Ive attached a copy of their letter. Several voicemails over several days have simply gone unanswered by National Credit Systems. Please immediately remove the National Credit Systems , Inc. collection listing from my report. 

Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Debt collection (I do not know) with D. SCOTT CARRUTHERS (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I have repeatedly told this debt collector that  they may no t call me at my place of employment. I told them they can continue to call my cell phone or contact me by mail regarding the debt. But they continue to call my place of employment. When I have spoken to them on the phone they are very rude and will not acknowledge that I have told them to stop calling me at work.     Debt collector : (  XXXX  )  XXXX  Law Office of D  Scott Carruthers   XXXX   XXXX   XXXX  #  XXXX   XXXX , CA  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech Financial ( formerly Greentree Servicing ) withdrew {$2000.00} from my escrow account for annual property tax payment to the county. The property was under contract to be sold. Ditech never submitted the payment to the county therefore requiring me to make the full annual tax payment to the county out of pocket. The property has now been sold and my account is closed. I 've contacted Ditech weekly for the past month requesting they refund the escrow monies taken from my escrow account but never paid out to the county. Each time, they assured me they would locate the funds internally and issue a refund. However, this has not taken place yet. Each time I speak with XXXX XXXX, tax manager, he is unsure of where the funds are internally and tells me he hopes he can locate them in hopes that he can have them refunded. As of today, my account has been closed for 30 days as I have sold the property and paid off the loan. The escrow amount of {$2000.00} has not been located and refunded to me and Ditech has not been able to provide me with a confirmed resolution. XXXX XXXX confirmed that the payment was withdrawn from my escrow account referencing a county payment, however the payment was being held internally and would not be sent to the County until XXXX XXXX, 2016. As of now, the funds are unable to be located and are due to me as the property has been sold and taxes paid by account holder.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I have a XXXX mortgage loan with citimortgage. The mortgage type is XXXX year balloon with a interest rate of 11.625 % with a monthly payment of {$760.00} I currently have a decreased of {$10000.00} in income due to job placement. I apply for a loan modification to decreased my monthly payment to a affordable payment. I was approved for a loan modification for the amount of {$720.00} with a XXXX interest rate. Citimortgage adjusted my monthly mortgage payment per month for {$48.00}. I am trying to dispute this matter, and I am not getting assistance or help with a affordable payment. I am having trouble with making my mortgage payments. I am not able to afford the monthly payment of {$720.00} per month. I have every intention of paying what I owed. I just wanted assistance with an affordable monthly payment that will allow me to make. I will like to be reviewed for an affordable mortgage or a lower interest rate. I have a conventional loan and citimortgage loan is not trying to help me keep my home. Please help me keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (OH).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On  XXXX   XXXX  I mailed a check in the amount of {$2700.00} to  Macy 's   XXXX   XXXX  , to be paid towards my credit card balance. For  3  weeks I waited and they told me they never received it. On  XXXX   XXXX    XXXX   I called my bank and they said  Macy 's  cashed the check on  XXXX   XXXX    XXXX  . It still did not reflect on my account. So I called Macy 's to ask where my money went and they said they 'll need a form faxed from the bank to confirm payment. The bank faxed the form and I called  Macy ' s back to see if they received it. They said they 'll need to investigate and it could take up to  2  billing cycles  ( 2 months )  to get it corrected. I severely needed this check to go through to  Macy ' s as soon as possible and now they are at fault and not taking proper measures to ensure customer satisfaction.     I JUST FILED A COMPLAINT THROUGH THE CFPB AND WAITED AND WAITED UNTIL I FINALLY HEAR BACK FROM  MACY ' S AND THE CFPB REFERENCED THE WRONG ACCOUNT!!!! MY ACCOUNT NUMBER ENDS IN  XXXX .     NOT  XXXX !!     CORREC T MACY  'S ACCT NUMBER -  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 07/26/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (DC).
Issue: Loan servicing, payments, escrow account

Complaint: Chase is mismanaging my mortgage accounting records and charging me erroneous fees. They also owe me money for the faxes they requested. 

I 've complained several times that Chase inaccurately reports the amount I paid on my mortgage statements. I 've requested that Chase formally reflect my mortgage payments in my records accurately as I paid them not as Chase has bumbled them. Last XXXX, Chase inaccurately failed to " record '' over {$3700.00} in mortgage payments and it took me over eight months, over {$100.00} in faxing fees, and several complaints to the Consumer Protection Bureau to fix. Because I was right, because I paid on time, I want my records to show what I pay AND not what Chase has done to fix their own accounting mistakes. If one looks at my records attached, the accounting records are impossible to follow. The misapplication reversal payments are confusing and do not show what I paid. Instead, they show how Chase mismanaged my account and I can not do the accounting on my mortgage. I 've filed a CFPB complaint before, Chase told me they fixed it, but alas they have not come close. If Chase is going to charge me 5.2 % to manage my mortgage ( about XXXX a year ), in return I have a right to clear, transparent records on that loan and all the charges. 

WORSE, has the audacity to charge me fees that I do not recognize. Recently they charged me a " Collection inspection '' fee. How dare Chase charge me fees for Chase to do their own accounting. It 's wrong, it 's illegal, Chase does not have my consent to charge fees for inspecting records are a mess. 

Also, I want full refunds for all expenses I paid on this account including fees for faxing documents to Chase. Chase has records saying they will reimburse all costs of faxing documents they request and I want the full {$89.00}. I sent these request and was told that Chase " may '' or " may not '' reimburse although the documentation on their requests states they will reimburse for records they asked for. 

Chase needs to be accountable for their actions, provide clear record keeping, not charge me for their own mistakes in record keeping, and reimburse for erroneous fees charged, and reimburse me for records they requested and told me they would pay for in writing and verbally.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: The credit bureau Equifax has violated my privacy and incorrectly handled my credit report and credit/personal information. The gross negligence in handling this private data allowed a breach where my information has been stolen and can now be used by criminals.

Company response to consumer: Closed with explanation