milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/19/2017 about Student loan (Private student loan) with DISCOVER BANK (ND).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I received a letter from Discover Student Loans stating " lat year we sent you a check as agreed under a Consent Order with the CFPB. Our Records indicate the check we mailed to you has not been cashed or deposited. '' After XXXX XXXX, 2017 they had to remit the funds to the CFPB and i would have to contact the CFPB in order to have a new check reissued. I contacted the CFPB on XX.XX.17 and they could not issues a new refund because Discovery Student Loans did not provide a 3rd party admin contact number to distribute the funds. 

As of right now I have no way of getting the check reissued until Discover provides the needed information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-05-2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax refuses to properly report my student loans with XXXX and Department of Education/XXXX as being paid in full, closed, in good standing, with XXXX. I have provided extensive documentary proof numerous times but Equifax continues to stubbornly refuse to properly report these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Dear sir or madam : Experian states that my dispute should be reported to you at consumerfinance.gov. This is off of the report number XXXX for Experian. Original Creditor is XXXX. XXXX has reported to Experian that I continue to have a {$46000.00} balance with this hospital. The amount submitted to and approved and paid by XXXX did no exceed {$30000.00} from 2013 to now.

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 07/18/2016 about Consumer Loan (Vehicle loan) with BMW Financial Services NA, LLC (CA).
Issue: Managing the loan or lease

Complaint: BMW FINANCIAL wrongfully reported a 30 day negative mark on XXXX accounts dropping my credit score about XXXX points. On or about XXXX XXXX, 2015 I posted two payments on XXXX accounts with BMW FINANCIAL. The payment was post " on '' the 30th day. BMW FINANCIAL still reported both accounts as 30 days late. This is a false reporting as a complete 30 days did not pass without a payment. I brought this up to BMW FINANCIAL and they states it is policy. I stated how can an account be reported 30 days late if only 29 days passed without a payment. The representative stated that it is open to interpretation. Policies should not be vague and ambiguous. I then requested documentation that supports their policy regarding reporting late payments. Representative said they could not provide documentation. I then asked if how they report late payments in the agreement with them. They said it is not. I also informed them I disputed the reportings through XXXX. Agent from XXXX said their notes show that BMW FINANCIALS could not give a reason why they reported the 30 day lates. XXXX then asked if they could remove the negative reportings. BMW Financial told them no. So BMW Financial can not provide documentation to support their policy, they admired their policy is open to interpretation, and still refuse to remove the 30 day marks. If BMW FINANCIAL does not correct their mistake in their reporting my next step is to retain counsel and file a complaint in civil court for punitive damages for negatively impacting my wife 's and I credit and request sanctions against BMW Financial for violations under the FCRA. I have proof of payments made and if it goes legal then can subpoena communication between XXXX and BMW Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Mortgage (Conventional fixed mortgage) with BB&T CORPORATION (SC).
Issue: Loan modification,collection,foreclosure

Complaint: I sent in information for a loan modification. The person who was handling my loan modification left the company. Now my calls are not being returned. My check was returned and my loan is now in default. Also, while I was waiting for an answer to my loan modification, a second signature was requested for the tax form. I have requested a loan modification in the past, ( I cancelled the loan modification because I did n't agree to the terms ) and I did not have to have a XXXX signature. It clearly states on the form that a XXXX signature is not required. I have called the company several times, and they have refused to return my calls. I have no idea why they are refusing to talk to me. I do n't understand it. I ca n't be that bad of a customer. I am not mean or rude to anyone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (GA).
Issue: Loan modification,collection,foreclosure

Complaint: Unfortunately, I currently have a loan that was modified with Flagstar Bank. According to Consent Order XXXX, I should receive have received information about being added to the list of consumers defrauded by this company. The Order purports that Flagstar made it hard for mortgagees to receive these modifications and once they did receive the modifications, they paid months of trial payments when only 90 days was sufficient by law. I started the modification process XX/XX/XXXX, but did n't receive the finalized paperwork until XX/XX/XXXX. During the process I had to filed bankruptcy in order to keep the modification process going forward, because Flagstar and it 's Georgia lawyers illegally proceeded with the foreclosure process even though I was in the middle of the modification process. After the modification was approved in XX/XX/XXXX, I made trial payments up until XX/XX/XXXX, six months. Three months longer than necessary. I would really like for someone to look at my files and help me understand what really going on. My modification documents show an excess of arrears that makes no sense at all.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Debt collection (Other debt) with Hunter Warfield, Inc. (MN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Hunter Warfield XXXX, Fl after reviewing credit I notice debt on my account, no prior information was sent regarding acct. Believe this is fraudulent charges from landlords who take advantage of their tenants. Was told all was ok after moving out. Received Certification of rent paid but nothing regarding debt. Believe XXXX XXXX are making false claims and trying to get others to pay for the wear and tear of their property that they always refused to fix.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Debt collection (Other debt) with Rent Recovery Solutions (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I n  XX/XX/XXXX , I w as resubmitting an application for housing at the apartment complex I was residing due to the complex being bought by another company. I was informed at that time {$5000.00} was on my credit report from Rent Recovery Solutions. I was also told  Rent Recovery had in fac t put another charge of {$5000.00} on my credit, both reported  on  XX/XX/XXXX . I  have disputed both of these charges with Rent Recovery Solutions and the credit reporting agencies as well and yet it remains! Because of this, I have been homeless for th e last 7 almost 8 m onths. As I have continuously explained, I never signed a contract with this company. I can not even begin to fathom how a company can charge a person  XXXX  different amounts and on the same day! It is beyond maddening that NOT  ONE single   person can see there is an issue!

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Checking or savings account (Checking account) with CITIBANK, N.A. (CA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I was sent a letter XX/XX/XXXX notifying me my account would be subject to fees starting XX/XX/XXXX. I called to find out why, and was told to " ignore the letter '' I asked that I receive a written notice of what Citibank was planning to do with my account and notified them I was uncomfortable with an agent telling me to " ignore a a letter '' - especially when the letter states my account will be subject to new fees. 

I would like to receive a written notification of what my account will be subjected to in terms of fees, if the letter they sent to me is wrong. The agent I spoke with on the phone told me he can be identified by # XXXX and his name was XXXX. 

I am concerned my account will now be subjected to fees when it should not be. I have never had fees on my account and the agent was unable to explain why I would be subjected to fees now.

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 04-10-2015 about Credit reporting () with Sortis Financial, Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: ClearSpring Loan Services states I have a debt of {$950.00}. This is the XXXX or XXXX debt collector who has provided me with this debt. XXXX debt collector must be selling to another debt collector. They have stated this debt is a result of a foreclosure I had in XXXX XXXX. However, my research unveiled by calling the county court 's office of where the property was located, that the bank bought back the property for what was owed on the mortgage, no more. I reached out to the debt collector to give me more information about this debt on numerous occasions with a breakout of what this charge is for so I can verify. They 've agreed that they would do so on XXXX different occasions, but they never have. Each time, I get the same letter in the mail that says I have a debt of {$950.00}. No breakout whatsoever. They keep making empty promises, as the debt collectors call me every few days for the last couple years trying to collect. I grew so tired of them not abiding to their promises that I stop answering their calls. It is very frustrating, I keep getting the same runaround, and this has happened for several years. Additionally, I got a notice from them stating this : " As required by Section 46A-2-128 of the XXXX XXXX XXXX, ClearSpring Loan Services , Inc. is required to notify you of the following information concerning the account referenced above : " The law limits how long you can be sued on a debt. Because of the age of your debt, XXXX - XXXX MRT Deficiencies can not sure you for it and XXXX - XXXX MRT Deficiencies can not report it to any credit reporting agencies. '' Even after receiving this notice, they still call me and try and collect on the apparent debt they say I owe. I called them to question this, and they stated that this notice does n't mean the debt goes away. I 've done everything I know of to research to see if there was a debt, requested the debt collector to send me a breakout of the debt so I can verify, but this has n't solved anything. I was so frustrated with them, I asked them never to call me again and that I wo n't pay them without being able to verify if this really is a debt of mine. However, they keep calling. I am writing because the debt still shows up on my credit report ; I would like that to be removed because I 'm under the impression when I go to get my next mortgage the bank securing the loan wo n't give it to me with a debt collection being reported. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CO).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Synchrony Bank closed  my Walmart Store Cred it Card without notice or warning a few days ago. I have n't used the card lately. I 've never been late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I kept receiving bills from XXXX XXXX Department of Health Services ( DHS ) about some medical expenses i do not owe. I have n't used any of their services so this debt is absolutely not mine. Now I 'm receiving a " Notice of Debt '' from Linebarger Goggan Blair & Sampson , LLP attempting to collect this money I DO NOT OWE! I 've attempted to call several times and do n't get an answer and I am starting to feel extremely harassed by these collection letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Navient and XXXX are not working with me for Repayment options. I have told them that I can not make the monthly payments off of my income and they said they can not help me. They told me that there was no other options for payment plans and that I can not go into forbearance. They never told me this when applying for their loans. They advertised flexible payment options. Not to mention the interest rate the loans are at when interests rate are at an all time low right now. I can not make ends meet with paying them and trying to live.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (WA).
Issue: Loan modification,collection,foreclosure

Complaint: I submitted a complete Borrowers Response Package on behalf of my clients on XXXX/XXXX/2016. The Borrowers were finishing a Forbearance period upon submission of the package for review of modification and other options. As of XXXX/XXXX/2016, the SPOC, XXXX XXXX at PHH Mortgage Servicing Center reviewed the file with me. She stated that she sees the documents were scanned to the Borrowers file. However, no action has been taken to open a review. I inquired about an Acknowledgement letter being sent to the Borrowers. She verified that one was on the file, but was never sent to the Borrowers. I requested escalation of the file. She stated she will email the Document Review Department. This file was submitted on XXXX/XXXX/2016. It is now 40 days from the submission of the Borrower Response package without being looked at.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Caliber Home Loans, Inc. (MA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I  currently notified the mortgage company because I noticed that my mortgage does n't report to the credit bureau. They informed me that since my xhusband filled for chapter  XXXX  in  XX/XX/XXXX  that is the reason. I explained to the mortgage company we have been legally divorced since  XX/XX/XXXX and that in the divorce decree my xhusband relinquished all aspects of the property and a quick deed has also been issued to the mortgage company. The mortgage company informed me that since my xhusband never reaffirmed the dept that there 's nothing they can do. I informed my xhusband of the new findings and he stated he was never notified or informed that he needed to reaffirm the dept with whom he filed chapter  XXXX  with nor did he keep any of the paperwork. Not even the mortgage company that we previously had informed us as to why I could n't receive or why they were not reporting to the credit bureau until this new mortgage company that the loan was sold to informed me as to why I never get a mortgage statement and why they do not report to the credit bureau. Now I need to have the mortgage company to report to the credit bureau since I make all the mortgage payments since  XX/XX/XXXX .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/30/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Settlement process and costs

Complaint: During the final weeks of closing, Bank of America provided poor service that made us almost lose our closing / home. We received a closing disclosure letter contacting Bank of America if there was something significantly different that what was promised. No contact was required unless there is an issue with the loan costs. 

A day later, we received a call from the builder / Bank of America that our closing would be delayed as we did not contact BoA to tell them we received the closing disclosure. No document said we needed to contact BoA but we were told " new Frank Dodd requirement. '' I said we did not have any language about this requirement and was told it was our responsibility. 

In addition, the letter was incorrect in that it did not have required Georgia disclosures ( i.e. wiring of funds ). 

The writing of the disclosure document is incorrect.

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 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CREDIT ACCEPTANCE CORPORATION (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have disputed this unauthorized unknown inquiry on my credit report with reporting bureaus. It has not been removed from my reports, therefore I am submitting a formal complaint. I have never requested any services or funds from this agency. I have never shared my ssn or any other personal information with this company. I have never signed or entered any type of agreement with this company. I have never visited or applied for any services online with this company. I have no knowledge of this business, how they received my personal information, or why they are reporting on my credit report. Any and all information they are listing on my credit report is inaccurate and unauthorized by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (AZ).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: One of my loan holders has filed a lawsuit against my co signer and never contacted me. My father is XXXX years old and on a fixed income. I have not had reliable income in years. I am finally able to go back to school to finish my degree. I do n't know who is filing the law suit, and they do n't give any information on the summons my father got. It does not list the date or time of the hearing, just that he is being summoned.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: wells fargo bill me for atty services XXXX, XXXX this is the XXXX time they did this and do n't explain it. There a court date on XXXX XXXX, About a settlement for judgment, they need to explain things to me. 

And they s/b be suing the XXXX who created this mess, thinking they could foreclose on pty that the bank owns, by not serving them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I have applied on several occasion for a home loan modification with OCWEN Loan Servicing and a Deed-In-Lieu and each time they have denied it or lost my paperwork until I stopped paying the mortgage all together. In 2012 there were enhancements made to the HAMP program that they did not follow as I am XXXX military and was displaced by a XXXX move.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Debt collection (Payday loan) with TOWER LOAN OF MISSISSIPPI, INC. (MO).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I am no long able to pay this debt. I informed the company of this in XXXX 2016 also informed them to take whatever action they needed to take. They have not taken any legal action to resolve this debt instead I am receiving daily phone calls. I have asked then repeatedly to stop calling me. My attorney sent them a letter asking them to stop contacting me and to only contact his office with any further contact. I am still receiving daily phone calls.

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 10/23/2017 about Debt collection (Auto debt) with Mission Financial Services Corporation (NC).
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint: mission financial sued for the remaining amount on the truck for XXXX then they reported XXXX on the credit report. they are displaying unfair debt practicies by re-aging the debt and changing the amount owed. Everytime I call they give me a different amount but they put XXXX on my credit report. They clearly have violated [ XXXX XXXX ] subsection XXXX ( XXXX ) my mis-representing the amount owed.

Company response to consumer: Closed with explanation