milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/30/2017 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/XXXX To CFPB File chapter XXXX bankruptcy on XX/XX/XXXX. Repayment plan confirmed on XX/XX/XXXX. 
During confirmation, the lender, XXXX, was holding a junior lien on my residence. 
Plan confirmed that Junior Lien will be stripped off because the value of the real estate is much less than the amount owed by the first mortgage. 
Chapter XXXX discharge order was submitted on XX/XX/XXXX and sent to the lender. 
Recently, trying to refinance my first mortgage for better terms, the closing agency found a lien still open against my property from the lender in question. 
I am being calling the lender, many times, on the last 7 days, trying to work the issue out. 
They said I should ask the lawyer doing my case for some paperwork. Well, this case is close, about 3 years ago, The lawyer explained to me that the lien should be removed and the lender failed to do so, there are not any missing document and they do n't need to submit anything. The lawyer explained that the document they may be asking for has been dismissed by the judge for failure to state a claim that would allow him to grant relief, the judge made a regular practice of such dismissals, because he felt that adversaries were obviously not necessary to strip unsecured junior liens. 
I called back the lender and explained, and of course, they ask me to ask the lawyer for a motion, or something like that. Sorry, I am not a lawyer. 
I found myself into a loop where either my lawyer, because the case is closed, and the lender are failing to help me and solve the problem. 
I am seeing myself in the process of getting financially hurt due to refinance, for better terms, or sell a property been denial because a lien has not been released from this lender. 
Please help me to find a way out of this involuntary trap. 
Thanks,

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with GC Services Limited Partnership (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt is with G C Financial Services XXXX. They claim to be collecting for XXXX. I 'm a veteran. I was oversees during the period that XXXX claims I had their service. They also claim the service was provided in South Carolina, but I never lived there. 
I previously contacted XXXX XXXX and thought that I had worked this out with them. They took themselves off of my credit report. This happened over a year ago. Now they sent a collection account to .G C Services I tried to work this out with G C Services. I implored them to contact XXXX to verify that this was not my account. They refused to work with me and only offered me a settlement that was 65 % of the balance that they claim I owe them. They also refuse to remove themselves from my credit report. even upon payment. I 'm most upset that they will not contact XXXX XXXX. I ca n't understand that. I have tried to get XXXX XXXX to contact GC services, but they say they do n't have a record of me. I ask them to communicate that with GC and they say there is no way to do that. Really? I asked XXXX for a letter stating they have no record of me and they refuse to provide XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Dismissed Bk Check again a with the law bk can stay from the date they were Add to adjudicated incase you did not know that means the time it was processed through court so the very act of dismissing means it was not adjudicated however since you it still is ok knows who I am if they say they do n't again it because they are lying. They do n't need proof of anything they have it. here are my list of problems with them 1. CA state tax liens there are XXXX of them they keep verifying them they pad and released but that 's not the issues the problem is the dates the amounts and who they belong to. I want the method of verification I want to know who you speaking to and at what number you contacted them I want to see all paper that was included in that verification and just saying the court is not good enough because it does not meet FCRA standers.2. The being verified I am requesting method of verification such as filing dated dismissal date what was included in the BK address used in the filing and whom you spoke to and when you spoke to them and at what number so I am to talk to them in regards to your verification Well that brings me to the number XXXX The federal tax liens you have it all wrong the dates the amount whom they belong to and that they are withdrawn given that again I am requesting method of verification it is my right and your duty to provide me with this information or remove it under the FCRA they also are reporting XXXX collection accounts from XXXX XXXX XXXX this company is being reporting illegally on my credit and this company has been reported to the XXXX because of hippia violations and they are now involved in that XXXX they are also reporting southwest recovery and they agreed to be removed through this web site

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 11-08-2017 about Checking or savings account (CD (Certificate of Deposit)) with BARCLAYS BANK DELAWARE (CA).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I have several on line CDS with Barclays Bank US. Barclays Bank US, sent me an email, as they do every month on line Statements ready to view. When I logged into my account as I have been doing for the past almost 4 years not only was there no statement, but all the prior statements had disappeared as well, as if the accounts were non existent. 

I had also earlier written a review about Barclays Bank as I had become concerned about this Bank, when earlier I had inquired about Loans and interest rates. I was kind of shocked when they asked me did I have an invitation. They only lend by invitation, what a strange Bank I thought, so I asked them all the money I am putting in this Bank where is it all going? They refused to answer that question, so I did research about that and wrote a review on Barclays recommendations. This they deleted of course, as it seems they only want great reviews not truthful ones so they can suck in more people to deposit money. 

I had become so concerned that the quarterly filings Banks file on earnings etc, I asked them where I could locate that, so I could check their financial condition. Their response shocked me that is not available and they are not required to file. While they have FDIC Backing and supposedly my money is insured. My question is why is this Bank not required to file as all other Banks do?
I became so concerned that the one savings account that I had left that could be closed without Penalty I did, and requ
ested a transfer that same day of all the interest earned on my CDS. I was told that it would have to be one transfer. This again was not completed on the Business day of Friday as I requested, but then on Saturday it was done that I had requested transfer of this money, it was all individual transfers from each CD. I am very concerned about this problem of deleting Statements and not making them available to customers. Am I the only Customer this is happening to? Or is Barclays Bank retaliating against me because of the questions I have posed to them

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 monetary relief
Consumer complaint received 08-09-2017 about Debt collection (Medical debt) with Senex Services Corp. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid these companies the money I owe them but they refused to delete the collections off my credit report after they agreed to. I received letters stating that the debt has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Student loan (Federal student loan servicing) with MOHELA (DC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I paid off my loan to Mohela account no. XXXX. But Mohela took out my monthly payment anyway, so they caused an overpayment of {$130.00}. I have called Mohela to try to get that money back but they have refused to send me the {$130.00}. 
This is a consolidated student loan. XXXX 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 04-11-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Experian has shared my credit report to specific merchants who had no permissible purpose. The companies are listed on the attached letter.

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 02-01-2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have no knowledge of XXXX debt and I would like it removed as it 's reporting to the XXXX credit bureaus and negatively affecting me

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Other

Complaint: I have XXXX ( XXXX ) credit cards from Capital One Bank. I attempted recently to combine my cards and Capital One denied me with good cause as according to there website, I did not qualify. 
I worked very hard for over a month to meet the requirements. I attempted again meeting the announced requirements and yet again, I was denied. The requirements listed were : " XXXX of my cards must be in good standing, XXXX of my cards must be at a XXXX ( XXXX ) balance, both of my cards must be linked to online banking, and neither XXXX of my cards should have pending transactions ''. I called the bank and was told they could not tell me why I was denied because I met all the requirements. I also filed against the bank VIA XXXX. I received the same response from the bank VIA the " XXXX '' as I did from the customer service reps. All I want to do is combine my cards to make it easier for me to manage my credit and pay my bills. If this is not possible and the account combination is a hoax, it is not funny and it should be taken down.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Debt collection (Mortgage debt) with Resurgent Capital Services L.P. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: This account was including in my chapter XXXX bk. The payments have been made and the bk is discharged. The debt buyer will not release the lien against my property as such I cant sell, refi, or repair my home.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Debt collection (Payday loan debt) with General Financial, Inc. (NC).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: This debt is placed in collections on my credit report under XXXX XXXX, they say I owe them {$560.00}. As I never signed a legally binding contract with that collection agency. I disputed this debt with all 3 credit bureaus and wrote the address listed on my credit report asking them to validate the debt with them by sending a contract. They have since then, sent me emails, sent a contract and are now calling and leaving voicemails on my phone. I have since then responded and asked that they only communicate thru US mail, as debt collectors are very aggressive and rude people. I then got another repeated email from this company as soon as I hang up the phone. ( shown in the proof ). They sent a contract thru the mail, which has an e-signature on it, they say I signed for, and address that I do not live at and a social security number with X 's followed by 4 number in which they claim is my social and the original contract that I signed. The contract also says that I agreed to pay XXXX XXXX XXXX   and or their successors ( which I am assuming are them ). When I try to look over the original contract in my email, I see that they have disabled the original link with the ORIGINAL contract on it. This contract also says that I agreed to pay the state of DELAWARE, this collection agency is out of XXXX, CA. I reside in North Carolina. I owe no one in California. I am asking for the original contract, an authentication or proof that the alleged e-signature is in fact mine. As I am not obligated to pay back money under a FORGED/edited contract. I feel as though I am being manipulated into paying a credit company that I have not signed a contract with. They are threating to take legal action against me, but have disabled the link showing the original contract so that I no longer have access and have instead sent me a typed up contract. 
They keep saying that I had 30 days to respond to the original debt notice sent but they don't even have my correct address on the alleged loan contract. They only have my current address because I wrote them FIRST.

Company response to consumer: Untimely response
Consumer complaint received 08/23/2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech collected an additional month of PMI insurance after my loan was paid off. 
Statements show : PMI Disbursement for XXXX, XXXX 2016. Payoff amount included XXXX and XXXX 2016. The loan was paid off XXXX XXXX, 2016. Escrow disbursement after payoff did not include the additional PMI they collected. 
I called Ditech twice regarding this issue, they hung up on me once and the second time told me to request an account review in writing or they would n't address their mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
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. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Affected by recent Equifax security breach, personal information stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: My Loan was originally with XXXX XXXX and in deferment, XXXX XXXX stated I defaulted on the loan and sold it out. Now the loan is in Nelnets hands and I have seen the principal go up and up after paying every month going at this rate I will be died and still paying the loan. The education I received for this loan was not even worth it. Wish I could go back 13 years and change this.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with STATE FARM BANK, FSB (NJ).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: While getting car insurance with State Farm, the insurance agent suggested a credit card and life insurance for my son. It was to lower our car insurance and put the down payment on the card. Well, the card never came but it was approved, and ALL of the insurance payments were being applied to the card. I called my agent, he directed me to call State Farm Bank. They could n't do anything without an account number. But I could n't let my insurance drop so I paid the car insurance through XXXX XXXX XXXX and not through the State Farm Bank credit card. But they still are changing me for the car insurance. I spoke to my insurance agent and explained what was happening. He called State Farm Bank and put us on a 3 way call. The bank rep had nothing more to say other than to pay my credit card bill on full along with the late charges or it was all going onto my son 's credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Mortgage (Conventional fixed mortgage) with BB&T CORPORATION (IA).
Issue: Loan servicing, payments, escrow account

Complaint: Several years ago I refinanced my mortgage loan to pay off my school loans. When I did so, I was assured the flood insurance would be the same as the the loan I initially had my loan thru. In the refinance process they sold my loan to BB & T assuring me the flood insurance requirement would be handled as it had previously, that being I would pay for flood insurance on the outstanding principal of my loan. My house is assessed for taxes at {$78000.00}. Resale value is between {$80000.00} and {$85000.00}. My refinanced mortgage balance is {$45000.00}. BB & T is assessing my flood insurance on {$110000.00}. I contacted them several time and received no satisfaction. I was told the rules set forth by the National Flood Insurance Refort Act of 1994 is a standard, not a law, and the bank is not required to follow it, that they make their own rules. I feel this practice is unfair and deceptive.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (TN).
Issue: Loan modification,collection,foreclosure

Complaint: We received on XXXX XXXX foreclosure sale of home, this is the XXXX that we had hears about the sale. We did not received a Registered letter indicating the sale of the home, I was told that the Certified letter was returned to processor because of undesirable address,. We receive our mail at a PO Box because we have had problems with kids taking mail out of our mail box. All the processor had to do was look at the address that we have received mail at for over a year by Nationstar.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Credit card () with TD BANK US HOLDING COMPANY (TN).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I recent had my credit pulled and was alarm about a target card that appear on my credit report that I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Consumer Loan (Vehicle loan) with World Omni Financial Corp. (GA).
Issue: Managing the loan or lease

Complaint: I PURCHASED AND NEW XXXX IN 2014 FROM XXXX STARTED HAVING ISSUES WITH THE CAR IN LESS THAN 3 MONTHS TOOK THE CAR HAD TO GO BEFORE THE STATE OF GA PANEL AND THE CAR WAS FOUND A LEMON XXXX TOYOTA FINANCIAL ALSO KNOWN AS/XXXX HAD REPOTED ME AS LATE WILL NOT REMOVE FROM MY CREDIT. I HAVE CALLED THEM SPOKE WITH SEVERAL PEOPLE STILL WILL NOT REMOVE. SAID THE MARKS WILL STAND I TOLD THEM THAT THEIR CORP OFFICE TOLD ME THAT ALL WOULD BE HANDLED LATER FIND OUT IT WAS REPORTED NO ONE EVER TOLD ME THIS WOULD HAPPEN. I AM SO NOT HAPPY WITH THIS CO. DOCUEMNTS SHOW CAR DEEM A LEMON. BUT STILL THEY WILL NOT REMOVE THE MARKS I FELT WHY SHOULD I PAY FOR SOMETHING THAT WAS NO GOOD THEY KNEW THIS. SO THE MISCOMUNCATION WAS I FELT I SHOULD NOT BE PAYING FOR A LEMON ALSO WAS TOLD THEY WERE TO GIVE ME A NEW LOAN BUTPAYMENT WOULD STAY THE SAME THIS DID NOT HAPPEN. THEY CHANGES THE VEN NUMBER ON THE LOAN TO THE NEW CAR. WHICH I DID NOT KNOW ABOUT UNTIL THE LAST MINUTE. ALSO THE PAYMENTS STAYED THE SAME PER CORP REP FROM XXXX. SO IT WAS MESSED UP FROM THE START. THEY SHOULD HAVE SHOWN THE OLD LOAN PAYED AND CLOSED BUT DID NOT.PLEASE HELP I AM TRYING TO GET THE LATE PAYMENT REMOVED FROM MY CREDIT REPORT. 
THANK YOU XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Consumer Loan (Vehicle lease) with Radius Global Solutions LLC (NV).
Issue: Managing the loan or lease

Complaint: I have received a letter from a company named Central Credit Services LLC XXXX XXXX XXXX XXXX , XXXX XXXX, MO XXXX telf XXXX The letter states that I have a pending debt of {$800.00} with XXXX XXXX XXXX XXXX, and this company has been hired by XXXX to collect this payment. As of now I do n't have any notification from XXXX regarding this debt. The car that they are talking about was fully paid by XXXX since it was part of a trade in, and my credit report is showing this car as a closed account. CENTRAL CREDIT SERVICES is urging me to send them the payment or to contact their office to set up a payment arrangement. I believe this should be a total scam, that 's why I 'm filing this complaint.

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 04/13/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OK).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have XXXX Stafford loans being serviced by Navient. These are my highest interest loans of all my student loans, so I have been paying extra money towards them in order to pay them off more quickly. On the navient website, when you pay extra, it gives you the option to select whether or not to advance your due date, just as every other loan servicer I have ever dealt with. I always select NOT to advance my due date and have the extra simply go towards the principle, however, they have been advancing my due date nonetheless- meaning that they have NOT been putting the extra money simply towards principle as I had intended, but using it as simply a payment towards the extra due date. Thus, they 've been making more money off of interest payments by not allowing me to pay down my principle as quickly as I have been trying. When I emailed them about this, their response was as follows " ... Please note that each payment received will advance the due date by one month if it equals the minimum due, even if you request to not advance the due date, but it wo n't advance the due date more than one month. If you select online to not advance your due date and do n't want it advanced by the one month that it will automatically advance, then you will need to send us an email after each payment is submitted with your specific payment instructions ... '' I find this extremely misleading, and purposefully so. I also feel they are making this process much more difficult then it needs to be. I have several student loans, serviced by several other large lenders ( XXXX, XXXX, etc ), and none of them are this complicated.

Company response to consumer: Closed with explanation