milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/26/2016 about Payday loan () with Enova International, Inc. (MO).
Issue: Received a loan I didn't apply for

Complaint: did not apply for loanDear XXXX Thank you for choosing CashNetUSA as your trusted online lender. 

We have received your email/facsimile advising us that you did not apply for this loan. However in order to stop collection procedures, we will need to receive a police report specifically stating that fraud has occured with CashNetUSA under your identity. Please remember to have our company name on the report. 

Until we receive the report, collection procedures will continue and you will be held responsible for the loan. 

If you have any questions or concerns please contact our Collections Team. We are available 24 hours a day, seven days a week. 

CashNetUSA Collections Department Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXXXXXXXXXX www.CashNetUSA.com

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Mortgage (Other mortgage) with Specialized Loan Servicing LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold to Specialized Loan Servicing on XX/XX/2016. My mortgage payment was due on XX/XX/2016 I made the payment of XXXX on XX/XX/2016 to the original creditor. The new company is now applying my payments a month behind and reporting my account as delinquent. I have sent them proof of all payments but they will not correct the mistake. I have also called the original creditor and they claim they are due that payment from XX/XX/2016 and when the loan was transferred it was marked current with the next payment due on XX/XX/2016.

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 06/18/2015 about Mortgage (FHA mortgage) with LoanCare, LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX, my township tax office was contacted by Loan Care ( who serviced my XXXX XXXX ) and was told that a tax payment made on my property earlier in XX/XX/XXXX was not intended for my property and needed to be refunded. At Loan Care 's request, the tax collector issued a refund ( equal to XXXX quarter ) back to Loan Care - thus making my property taxes delinquent. The initial tax payment was paid from MY escrow account and was then refunded to Loan Care and NOT back into my account. I was not notified of this until my tax collector contacted me several weeks after the request was processed. 
In reviewing my detailed escrow statement, these funds were never returned to my account, although I had made all escrow payments as scheduled while Loan Care serviced my loan. The loan was since closed as I refinanced through another company, but this was never resolved. 
Over the past several months, I have contacted Loan Care 's customer service at least XXXX times and submitted XXXX requests for a " customer advocate. '' To date, I have received ZERO response or resolution to my multiple requests. The fact that my requests are being completely ignored is beyond comprehension. I need a response. As far as I can tell, Loan Care owes me a significant amount of money and is refusing to acknowledge that fact.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Diversified Consultants, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There were several accounts listed on my credit report that 's inaccurate and has hurt my credit scores. I have on several occasions disputed alleged late payments on my credit report. These companies have yet to send me. 

Section 168 of FCRA law ( s ) info on report does NOT match my records. I demand this item to be Updated to Paid as agreed, never late from my credit report ASAP. 
The below listed Late Payments that are being reported within my credit report is inaccurate account information. I have never been late with my payments of these accounts. It is not clear to me how these late payments could have become merged within my credit file. Perhaps it was the result of a mixed file incident on behalf of you, the credit reporting agency or the original creditor. Whichever it is, the fact remains these late payments are incorrect payment history information. Under Section 168 FCRA this Late Payments Dated does not match my records nor the original creditors records to what reflects on my credit report, there-fore this item MUST be deleted and UPDATED under this law. The late payments never happened!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/14/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a bunch of medical collections on all XXXX bureau 's I have asked for proof of debt from collection agencys they responded they could not supply any. I have disputed these item about 10 times now for the last several years. sent proof of certified letters to collection companies to credit bureaus and they still do not take them off they say they are verified everytime I dispute them. and everytime one collection company gets a certified letter from me a new collection company puts the same debt on my credit report as new. THis has been going on for 5 years now and it has cost me a higher interest rate on my mortgage and car insurance. I have paid all my debts that I have obligated myself for and yet I can not get a credit score over XXXX because of this illegal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was talked into obtaining a private student loan from XXXX by a school program for pilots that promised to teach me how to fly. The school fell through on their promise and I was terminated with no previous warning. I contacted XXXX at the time to see if they could help me and all they did was put me on forbearance and after years on forbearance they have started threatening phone calls and harassing both my cosigner and myself. I later found out that the school I was with obtained the loan on my behalf by using their Part XXXX designation when I was not a Part XXXX student I was actually a Part XXXX student which is not allowed to obtain student loans. Now they call on a daily basis multiple times a day and I have tried to arrange for payment but they want me to pay an outrageous amount of money per month that I nor my cosigner can afford. I do not know what else to do and have ran out of ideas.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CO).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I have a charge made for {$58.00} with XXXX. I disputed because I did not recieve the merchandise. The merchant failed to provide proof that the flowers were delivered to the shipping address. Under the commercial code the merchant is liable for any item I did not recieve. Chase incorrectly sided with the merchant on the dispute WITHOUT ANY EVIDENCE THAT THE ITEM WAS DELIVERED TO THE DESTINATION. I sugguest chase should take a hard look at this and apply the standards of a dispute for this. Please refund the money I am owed.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Debt collection (I do not know) with Arnold Scott Harris, P.C. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: A collection company XXXX Harris & Harris XXXX put a garnishment on my salary for a {$90.00} account that was already paid, But the collection company got a garnishment for {$1700.00} and does not want to give back the money they took over.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Identity theft / Fraud / Embezzlement

Complaint: A some point in my XXXX year marriage my wife opened credit cards for herself using herself as primary signing for them, and then adding me as secondary without my knowledge or signature. I never received cards, statements, or used these accounts. We are now separated and going through XXXX and she has been been delinquent on accounts purposely to ruin my credit, which she has XXXX to a XXXX FICO in XXXX months, and I am being told no one can help me. She has bank accounts with XXXX plus, so paying XXXX was no issue. 

I have always paid every thing on time and early, and have as many as XXXX vehicles paid for in full over the past XXXX years. I own my home out right, and never am late on bills, taxes or utilities, but now I ca n't get a credit card, or apply for loans because she let a {$650.00} balance go two months late to Kohls Department Store. When I disputed to XXXX and XXXX they reviewed and then deducted and additional XXXX points from my credit!!!! For disputing it?? This is crazy.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I went to the " ANNUAL CREDIT REPORT.COM '' site to receive all " XXXX OF MY BUREAU CREDIT REPORTS FROM EQUIFAX, XXXX AND XXXX '' ; filled out the form, and the XXXX credit reporting agency showed on my screen, I went to click on print, however a window popped up stating technical difficulties and to try again later. I clicked out of that window, I than clicked on " save as PDF '' however, same thing happened, a window popped up stating technical difficulties and try again later. I waited for an hour to see if I could try again, however, this time a window popped up stating I had already received my free annual reports from the XXXX bureau credit reporting agency 's for the year. SO I NEVER EVEN RECEIVED ANYTHING, NOTHING AT ALL, MY EMAIL IS XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Mortgage (Other type of mortgage) with JPMORGAN CHASE & CO. (MD).
Issue: Trouble during payment process

Complaint: Chase incorrectly applied one of my payments to principal instead of payment and they have been hanging me late fees ever since. I have tried to fix this 3 times! In addition, I believe that their XXXX  has caused me to miss an important mortgage reduction offer.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (PA).
Issue: Problems when you are unable to pay

Complaint: I took this loan out with americredit financial thru the car dealer XXXX in XXXX, pa. The loan was taken over by GM financial. I made my payments. When the loan was drawing to a close, they said i owed twice as much as what was actually due on my car. I questioned this when the loan was transferred from one company to the other, and no one would respond. Towards the end of my loan, I was also involved in a XXXX situation, that, given the amount they said I still owed on this loan, there was no way i could continue to pay it. The person i was involved with hacked my checking account and ran my account negative XXXX dollars. I had no choice at that time but to let them reposses my car enlight of everything.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: Received a letter that a judgment had been entered against me. Threatened further legal action. And threatened to garnish wagers, bank levy and liens.

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 05/28/2015 about Credit card () with SYNCHRONY FINANCIAL (DE).
Issue: Other

Complaint: I sent funds to my Paypal Smart Connect account that is backed by Synchrony Bank in error. Once I realized it was sent to them, I called XXXX, was transfered to Paypal Smart Connect and hung up on XXXX times by the automated system. When I could finally figure out how to get thru the IVR to a real person, I got transfered again. The IVR would accept my account information, social, or zip code. This processed has been repeated multiple times. I call, get transfered, hung up on/transfered again. When I spoke to a manager, he demanded the adress on the account, I have him my address. This was not good enough, I had to find the address, by calling the attorney that settled my account, and call back.. I finally speak to a manager, XXXX XXXX, he needs to research.Please note that I was never asked to confirm the address. He calls back, I now have to call another department. I call XXXX. I get told I have to speak to someone else, I get transferd. After XXXX hours on the phone, XXXX people, I am told I have to send a payment request in writing to a XXXX . There is no fax available so I can expadite this request. My Smart Connect account was enrolled in a repayment program in XX/XX/XXXX. There was a settlement reached in XX/XX/XXXX and the final payment was made XXXX. I sent a billpayment to the wrong XXXX account on XX/XX/XXXX and it should be arrived electronically on XX/XX/XXXX. Now I have to have proof of payment along with my signed dated request to get the funds back. Infuritating! 

This is n't their money and I should not have to dance like a dog throug hoops to get it back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-06-2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX, 2008, TILA Recission Letter sent and the Notice of Default was filed at XXXX XXXX County Recorder Office.

Company response to consumer: Closed
Consumer complaint received 01-12-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: I was trying to add a newly issued Chase credit card to my existing online account. I called Chase customer service to request their assistance. They made two attempts to send me a verification code via text, both of which failed. The rep then transferred me over to a member of their security team for alternative verification. He proceeded to ask me questions to which I responded correctly. He then started to ask me questions about my sister. I confirmed the name of my sister, which is straightforward enough. He then asked me for her birthday, at which point I refused and questioned the legality of him asking questions about an individual who had not given her consent during the conversation. I said I would not answer the questions. He threatened to put my account on hold. 

I then recalled that my provider XXXX occasionally blocks these kinds of text messages. I called XXXX and sure enough, they had to change some settings on my account to let the messages through. 

Upon calling Chase, I was immediately transferred to the Fraud Department because the security guy had indeed blocked my account. Because I was now able to verify with the text code, my account hold was removed. I then asked again about the legality of being asked questions about my sister and was not given a satisfactory answer. 

I do not see how it can be legal for any financial institution to ask questions about and individual not present during the conversation and therefore unable to give consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Collection Information Bureau, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Its never been on there before. A collection from 2015 was just listed on my credit report that was paid and is found under collections. I called Doctors Business Bureau form XXXX Florida which is the offending party, to have it removed. It was paid but they are reporting it in collections but paid. 

I spoke with XXXX at the company. WOuld not give me any proof that they will remove it. They have to remove it. It is incorrect, and the status is NOT in collections. It is paid.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Debt collection (Medical) with Community Health Investment Company, LLC. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My Husband had an outstanding medical bill with the XXXX of XXXX we do not share insurance. the first bill that was sent it only had my husbands name on it. The second bill that came was addressed to my Husband and I. When I asked why the collection agency ( XXXX ) Professional Account Services Inc. said that because PA is a spousal state I am responsible for this bill as well as my Husband.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (IL).
Issue: Application, originator, mortgage broker

Complaint: I worked with US Bank to secure financing for a condo XXXX. I worked with XXXX XXXX at US Bank to get information on my loan. Initially, I was informed that I had sufficient information. Once I started working with Loan Processor XXXX XXXX XXXX, it all went down hill. Due to US Banks extremely high closing costs, I reached out to XXXX to update the amount of my down payment, so I could free up cash for closing cost. XXXX informed me this was ok. Feel confident and getting reassurance from US Bank , I proceeded with the loan. However, things started feeling odd. For example, XXXX was persistent that I pay for an appraisal BEFORE their 'internal ' condo approval board even said that the place was ok to extend lending. I was able to catch this and refused, saying we needed to wait for US Bank to approve the condo 's XXXX financials. XXXX was extremely pushy and said that we would not make the closing date if I did not pay for the appraisal. I said that was fine and worked with the sellers. 

At this point, XXXX informs me that they need to run my credit again under my married name. So they do a hard hit not once, but twice because she could not do her job right to begin with. 

What is the worst part is that after I had written confirmation from XXXX that $ XXXX down payment would be fine for the loan, US Bank called to request that I pay an application fee. After I paid the {$390.00} application fee, US Bank informed me that I needed to come up with $ XXXX more for closing. At this point I am completely dumbfounded. Not only do I never get complete answers from US Bank, they systematically lied to me throughout the entire process. If I would not have caught the appraisal that XXXX XXXX was pushing on me, I would be out close to {$900.00}. Instead, I am out {$390.00} that was charged to my US Bank credit card ( so much for loyalty, right!? ) Needless to say, I was I have loan approval through another lender and I am closing on my place on XXXX, with a lower interest rate. I was able to easily secure financing without the incompetence of XXXX XXXX and the rest of the people at US Bank. It was complete night and day between my new lender and US Bank as far as keeping me informed and making sure I understood the process and what I was paying for. US Bank made it clear that they just wanted my money-so enjoy the {$390.00} application fee you should have never accepted US Bank. Needless to say, I will be closing all my accounts soon.

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 04/21/2015 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: I had a house ( bought in XX/XX/XXXX ) put {$65000.00} of my own money into. I could n't make the payments on without a loan modification. At the time the mortgage was held by XXXX XXXX. We were working on a loan mod. I was making all payments and complied with all requests to get the loan mod. Suddenly my mortgage was sold to GREEN TREE. At first they did n't want to honor the deal I had going with XXXX XXXX, but finally relented. We worked out a 6 month deal that if I made my new amount of payment for 6 months we couls work out a loan mod. I did. The deal they offered me was the amount I owed on the house plus the amount of missed payments and they were going to work out a kind of vraiable interest rate. something like 3 % first 3 years 4 % next 3 years and then I think is was XXXX the rest of the loan. Totaling somewhere around $ 250,000+ for a house worth around {$160000.00}. I counter offered at {$170000.00} 5 %. They immediately said No my house was foreclosed on in a couple of months and sold at auction for {$110000.00}. I wanted to short sale, they said If I could get it done before the foreclosure date which was less then 60 days away. I let the house go. I was beside myself and felt so betrayed.I finally lost the house in XX/XX/XXXX. I just saw that GREEN TREE settled a lawsuit from you with similar cicumstances. I still owe {$49000.00} of the {$65000.00} I put into that house. Can you help me?

Company response to consumer: Closed with explanation